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Travel insurance is probably not the most glamorous topic to talk about, travel insurance is however a vital part of the holiday process. Buying travel insurance is not as easy as asking “what is the best hotel to say in”, particularly if you are looking for travel Insurance for pre existing medical conditions, it can be very frustrating and confusing. Therefore don’t leave buying your travel insurance to the last minute. Travel insurance can sometimes be a grudge buy, but it is important to buy your travel insurance as soon as possible after you have booked your holiday, the cancellation aspect of your policy starts straight away and gives you valuable cover.
If you have bought pre existing medical conditions travel insurance, you must ensure you have fully declared all your medical conditions and those of anyone whose health your trip relies on. For example would you want to cancel your holiday if a close relative is taken ill or dies? If so you must ensure that you have declared any medical condition they have that may cause you to cancel your holiday. Another point to remember is that your European Health Insurance Card (EHIC) is not a substitute for travel insurance.
It is very important that you have a valid EHIC card when you are travelling in the European Union States, however the EHIC card will not always provide medical assistance free of charge, some countries may ask you to pay a proportion of your medical care, this can sometimes be claimed back when you return to the UK, but not in every case. Another problem is that there may not be a state run health facility near to where you are visiting, and in an emergency you would need to use a private health facility; private clinics and hospitals will not accept the EHIC card as payment for your medical treatment.
It is also vital that you tell the truth about any medical conditions you have, even if they seem irrelevant. An excessive amount of information is the best when buying travel insurance with medical conditions, as not providing full details of your medical conditions could later invalidate any claims you need to make.
It is important to always make sure you have right policy for your holiday. If you’re going backpacking, skiing or rock climbing, you’re going to have to have an insurance policy specifically for these activities to ensure you’re covered in case of an accident. Buy for the family and save, if you are travelling as a family then it does stand to reason that a family policy will be the best value for you, there are also policies for couples which offers a saving on buying two individual policies.
Check what excesses are on the policy you buy, there could be different excess amounts on different sections of the policy, for example if you have a travel insurance with pre existing medical conditions, the medical excess could be higher than say the lost baggage excess. The best piece of advice is always read you travel insurance policy after you buy it, make sure that it covers all your needs. You have a 14 day cooling off period after you buy an insurance policy, if you are not completely satisfied that the policy will cover your needs you can cancel the policy (provided you haven’t already started your journey) and receive a full refund.