Buying insurance for your holiday can be tricky but it is necessary to protect you from a mountain of medical expenses you can encounter abroad. There are many misconceptions that people hold regarding travel insurance and overturning these is a priority for many.
The biggest misconception about travel insurance is thinking it is some kind of con. This is simply not true; the insurance industry help millions of people who sustain illness or injuries abroad every year and is a vital product. Insurance policies may be complicated but buying the right comprehensive cover will mean you will be taken care of financially if the worst happens. You must also keep abreast of all the movements in the insurance industry.
The second big misconception concerns what is, and what isn’t included within a policy. Assuming caravan insurance is included in standard travel policies, for example, is a huge error. If you are travelling in a caravan you should buy separate caravan insurance to protect yourself. If you need regular travel insurance then symondstravel.com has a range of travel insurance policies.
Expecting to make claim for undeclared pre-existing medical conditions is another error. Standard travel insurance policies are meant to cover illness or injury as a direct result of your holiday. If complications arise from an existing medical condition that you have not declared to the company then you will be liable for the expenses, not the insurer.
Be sure to declare all known medical conditions with the insurance provider when obtaining the policy. The rate may be slightly higher but it is still likely to be cheaper than footing the bill for expensive medical treatment yourself.
Annual travel insurance doesn’t necessarily cover you for everything. Sporting or adventure holidays carry extra risk and therefore may not be covered by standard annual policies. Be sure to check your policy for specific mention of these activities and check your cover for each holiday you take. In the event you are not covered, you may be able to negotiate the additional cover with your existing insurer for a small fee. This will be preferable to not having full coverage and incurring large medical expenses.
Cheap travel policies will have limitations on medical and cancelation cover, as well as higher excesses. This means they may end up costing more in certain circumstances, offering you nothing more than a false economy. It is always best to choose the policy based on what it covers rather than what it costs – after all, it is your safety which is at stake otherwise.
Having an EHIC card will not mean full coverage in Europe. The card only provides basic care that citizens in a particular country are entitled to. Travel insurance policies cover far more than these simple rights, with food costs and alternative travel arrangements all included in their cover. Also, the EHIC card will only work in Europe, so those travelling to other continents will certainly need travel insurance.