Top Tips

We understand that travel insurance can be confusing so we have highlighted the key top tips to keep in mind when it comes to purchasing your travel insurance and when you travel abroad.

Read your insurance policy

Top Tip

There’s no such thing as a ‘on size, fits all’ travel insurance policy – everyone’s needs are different. Boring as it might seem, it does pay to read your policy, so that you know what is, and is not covered. Ask yourself, does the policy give you the cover you expect?

Have you declared your medical conditions?

Top Tip

Declare any existing medical conditions and medication to your insurance company. If you don’t you might end up having your policy void. If you are taking medication with you make sure you don’t put it all in your case, have some in your hand luggage if the case goes missing then at least you would not have lost it all. If you do decide to carry it in your hand luggage bring your prescription and/or a doctor’s letter explaining why you need the medication with you in case you get questioned by security. Beware, some of medications regularly prescribed in the UK may be illegal in the country you are travelling to, this is why it’s important to carry the prescription or the Doctors letter.

Check you Excess?

Top Tip

Almost 1/3rd of us don’t know if we have to pay a part of the costs should we need to make a claim on our travel insurance. Unless the policy states otherwise, when making a claim the excess is taken off per person, per claim. If this is something you are concerned about we suggest looking for a policy that doesn’t have an excess.

Make a Note

Top Tip

Always make a note of your travel insurance policy number and the emergency assistance telephone number. Keep a copy in your phone and your wallet. That way, if you need help, you know exactly who to contact straight away. Also, leave a copy of the policy and important phone numbers with family or friends.

Check the Country you are Travelling to

Top Tip

Do your homework about the Country you are travelling to, understand any local cultures and find out which areas are to be avoided. Check the government website for up to date travel advice for the Countries you are travelling to https://www.gov.uk/foreign-travel-advice. Also check NaTHNaC (National Travel Health Network Centre) for health advice http://nathnac.net/

Do you need any vaccinations?

Top Tip

Don’t forget to check if you need any vaccinations for your holiday destination. If you are unsure then contact your GP surgery for further travel advice, or check on the National Travel Health Network Centre (NaTHNaC) web site http://nathnac.net/.

Get your EHIC if travelling in Europe

Top Tip

It is always sensible to have a European Health Insurance Card (EHIC) as it allows you access to free or reduced cost local healthcare when travelling in a European country. The EHIC is free and can be obtained through gov.uk/European-health-insurance-card. Remember though that an EHIC is not a replacement for travel insurance.

Register with Medicare if travelling to Australia

Top Tip

If travelling to Australia make sure you register with the Medicare system when arriving as this will entitle you to reduced medical charges should you need to see a doctor.

Keep your Belongings Safe

Top Tip

Just like at home keep an eye on your things, do not leave your wallet or that expensive mobile on the beach while you go for a swim. Leave your possessions in a locked safe or keep them on you to ensure your cover remains valid, in the event that your possessions are stolen or lost. You will not be covered if you leave your wallet unattended on the beach. It may not always be wise to take expensive items away with you, it is best to leave them and anything sentimental that you don’t want to lose at home.

Unused Activities

Top Tip

If you are taken ill or injured during your trip and unable to take part in any of the activities you have already booked and paid for, you could be out of pocket. Check that your travel insurance will cover you for these costs.

Don’t stand out as a tourist!

Top Tip

Try not to stand out as a tourist as this may reduce the risk of being targeted for theft.

Get a Police Report

Top Tip

If you do have a loss/theft abroad ensure you report it to the police straight away and get a written report.

If you are involved in accident

Top Tip

If you are unfortunate enough to be involved in an accident, whether it is you fault or not, remember these three simple rules: Do Nothing, Say Nothing and Pay Nothing! Your policy might not cover you if you admit liability. The best thing to do is to call the police, obtain names and addresses of any witnesses, take photographs, and exchange names and addresses. You should tell your insurance company as soon as possible. If you receive any correspondence when you get home, you should send it straight to your insurers – do not reply to it - and leave it them to sort out.

Directive image

Do you know what your travel insurance covers you for?

Click Here to Read More
 
Directive image

Need information for an Adventure Holiday?

Click Here to Read More