So you've booked your holiday but have you purchase an insurance policy? Many people travel abroad uninsured and find that when things go wrong it can be very costly, running into thousands if you need to be repatriated to the UK.
Following the recent political unrest in Tunisia and Egypt it is vital all travellers check what their insurance policy actually covers them for. The FCO says that 60% of travel policies now cover terrorism, but most will not cover you for political unrest.
A recent report in the Journal of BTHA[i] states that holidaymakers in Europe could have their insurance claims rejected if they do not have a valid EHIC card. These cards allow you to access state-provided healthcare in all of the European Economic Area (EEA) countries and Switzerland at a reduced cost or sometimes free of charge. It should not be used as a substitute for private travel insurance as it does not cover things like mountain rescue or repatriation to the UK. You can apply online and the card last up to 5 years. If you are due to travel to Europe soon apply or check yours is in date today. Children need their own card.
What happens when things go wrong?
holidaytravelwatch.net shows many examples of what can happen when things go wrong. The one that drew my attention was the importance of having travel vaccinations. A couple had to cancel their holiday to Egypt as they had been told by their travel agent that inoculations were not required for travel to Egypt. Whilst there is no entry requirement for vaccinations to Egypt, vaccinations are recommended for your own protection. This couple had to cancel their holiday as their insurance would not cover them as they had not had their vaccinations. Speak to your doctor, nurse or travel clinic for advice when travelling.
What to look for when taking out insurance?
· Shop around for travel insurance, the cheapest policy may not be the best – always check what is excluded.
· Check your policy covers you for sports such as skiing, white water rafting or water skiing for example.
· Check the cancellations section carefully – what are you covered for?
· Always tell your insurance company about pre- existing medical conditions. If you fail to reveal a medical condition it may invalidate your insurance.
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