Five Questions You Should Ask About Your Travel Insurance Policy

Travel insurance is something that can seem inconsequential when its bought and as a result too many people take choosing a policy lightly. It is essential to do a bit of research yourself or seek some impartial advice as to the specific protection and quality of the products you are considering.

One of the key factors in higher premiums is existing medical conditions or history, because the risk of further problems in that area is greater. But don’t be tempted to keep quiet about an issue which you might need treatment for in the future, because if the insurance company find out you have withheld the truth they are not obliged to cover the costs of your treatment.

Knowing the right questions to ask and when is vital. Always ask before you buy. Here are five questions to consider that might save your life one day.

1. Ask your provider exactly how payment works. Do you have to pay for treatment yourself and claim it back? Or will the insurer set up a tab, as it were, for you at the institution treating you?

2. What is the maximum amount you’re covered for? Don’t underestimate the cost of a long hospital stay. It is advised that you have at least £2,000,000. Many policies have up to £10,000,000.

3. What is the procedure for informing your insurer that you have had an accident or problem? Sometimes you must inform them before receiving treatment for non-emergency issues if you want them to foot the bill.

4. Not all medical treatment is covered. Dental is a prominent example. What happens if you need a dentist or other non-essential medical service?

5. In the event of a very serious injury where treatment in your home country is necessary, will your insurer pay for you to be airlifted home? Or even from a remote region to one with a hospital? Particularly pertinent to more adventurous travellers.

Visit etravelinsurance.co.uk for your student travel insurance and get an instant quote backpackers travel insurance and buy online from our safe secure and easy to use website, or if you have any special requirements or need to cover a pre-existing medical condition you can talk to one of friendly call centre staff.

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Author: Mathew Sabri

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