Your Guide to Buying Travel Insurance

Getting travel insurance can look a bit daunting, especially when you consider the consequences of getting things wrong. Travel insurance should be there to help you feel secure, not confused – we’re here to help!

Here’s the answers to a few of your burning questions about travel insurance:

What does travel insurance cover me for?

Travel insurance is designed to cover you for events or situations that are unexpected and out of your control. That could be a medical emergency, lost baggage, or the cost of cutting your trip short.

The advantage of travel insurance is that there is a wide range of options to choose from, so you should be able to find a policy to suit you!

If you have no pre-diagnosed medical conditions, you may find that you’re given options for standard or budget travel insurance policies. These policies will still cover any medical emergencies that happen on your trip but won’t cover anything in relation to illnesses or conditions that you have already experienced.

If you, like the majority of the UK population, are prescribed regular medication for a pre-existing medical condition you need to declare full details of the condition when you buy your policy. This ensures that you get the right level of cover to suit your needs and that medical treatment relating to the pre-existing condition is covered correctly.

If you’re waiting on a diagnosis, or you’re on a waiting list for treatment you may find getting cover tricky. If you’re not sure what’s right for you, give our team of experts a call – we can help.

Your policy should also cover a range of other benefits, such as lost or delayed baggage, theft of your travel documents, flight delays, or having to cut short your trip due to a range of factors.

Remember each policy is different, so be sure to check what your policy covers you for before you buy it!

When is the best time to buy a travel insurance policy?

It depends on what sort of trip you’re planning and the type of policy you’d like to buy.

If you’re buying a travel insurance policy for a single trip, then you’ll be covered for cancellation from the time you buy your policy.

Annual Multi-trip policies can be useful if you’re going on more than one trip in a year. You can choose the date that you’d like your policy to start up to 60 days before you travel.

How do I add a medical condition to my quote/policy?

If you have a pre-existing medical condition, it’s essential that you declare it, so you’re covered correctly. When doing your quote, you’ll be asked about your medical history, and complete a quick screening, which will gather any important information about your condition.

If you already have a policy, it’s very important that you notify us of any changes in your health as soon as possible. You can call our team to update your information on 03300 880 3600.