How can the destination of a holiday affect insurance?

When heading on a trip, most people understand the importance of insurance – but some may not be aware of the effect their destination can have on a policy.
 

It may seem like common sense to some, but  many people are unaware that their travel insurance cost could rise sharply if they plan on visiting a country or location that would be considered high-risk.

If you were to travel to the USA for example, you're insurance cost would be normal, but taking a trip to the Congo of the Gaza Strip would result in the premium rising sharply as you are considered at higher risk of injury.

If considering a trip to somewhere off the beaten track – for example a country in Africa not usually associated with holidays – the first port of call could be the Foreign and Commonwealth Office's website.

Here you can find out what the government's stance is on travelling to the country and whether is it generally advised.

If the Foreign Commonwealth Office seeks to dissuade people from going to their desired destination, it is unlikely an insurer will offer cover. This can be very frustrating for those wishing to travel, but the advice offered is for your own safety.

Some of their recommendations are regional, so it is also important to check if there are specific parts of your destination that are affected. Certain towns and districts can be labelled as "no go" zones and will adversely affect your chances of getting cover.

The activities undertaken on a trip can also alter a policy. If you're going parachuting, skiing or base jumping then the cost for cover will be proportionately higher than normal.

If, for example, you decided to go rock climbing somewhere, you are likely to need more comprehensive cover than if you plan to relax on a beach. Although sea monsters are an apparent danger, falling down the side of a mountain and breaking a few bones is slightly more likely to happen!

Existing conditions should also be declared before travel, as failure to do so could invalidate a policy should you're condition worsen. Any breathing or heart difficulties should always be mentioned immediately, or you could find yourself facing huge medial bills should anything happen.