Choosing Where to Buy
Whoever offers Travel Insurance, whether it's
a Travel Agent, Tour Operator, Bank, Post
Office, Building Society, Broker, Intermediary
or even a Supermarket or Chemist, they should
know about their products and are obliged to
answer any reasonable questions, relating to
these products, that they may be asked.
Customers should ask the person selling them
the insurance as many questions as they need, in
order to fully satisfy themselves that the
insurance being offered, completely meets their
needs. This is particularly important for people
with a pre-existing medical condition.
outlets for Travel Insurance in the United
Kingdom, are authorised and regulated by the
Financial Services Authority (FSA).
Why Do I Need Insurance?
An overseas medical bill could run into many
thousand pounds and much more in the United
States of America and Canada. Many people
believe they are fully covered if they have an
accident or fall ill whilst abroad, by
reciprocal health arrangements that the UK has
with other countries.
The UK does indeed, have reciprocal health
arrangements with certain other countries, but
not all. Full details of these are contained in
a booklet entitled "Travellers' Guide To Health"
available free of charge from the Post Office
and the Department Of Health Offices.
Even in the countries where there are such
arrangements in place, treatment is usually only
available from State hospitals and the quality
of the treatment varies greatly. The only way to
ensure the best possible treatment is to have
good Travel Insurance cover.
EHIC This offers you free or
reduced price hospital treatment within the EEC
and some insurers insist you carry the EHIC,
however it only covers you for emergency
treatment and you may be required to pay for
medicines or even your hospital bed. It
does not cover you for repatriation to the UK,
Private medical clinic bills, private ambulance
or incidentals such as accommodating a
relative in a nearby hotel.
Travel Insurance is a MUST and will cover the
elements not covered by the EHIC providing you
have declared ALL pre-existing medical
conditions. You should also make sure any
medical equipment including wheelchairs etc. are
covered for their FULL REPLACEMENT value.
In An Emergency
you purchase Travel Insurance and are
unfortunate enough to have an accident or become
ill whilst abroad and require hospital
treatment, ensure that you, or someone else
acting on your behalf, informs the assistant
company, the details and 24 hour contact number,
will be in your policy/certificate wording.
They will usually guarantee any medical bills
and ensure that you receive the best possible
treatment, as well as looking after any
dependant relatives that may be travelling with
baggage is covered by insurance, it is not much
compensation, having had it stolen, to be on
holiday with no clothes, toiletries etc. ALWAYS
carry your medication in your hand baggage. Put
wallets, purses, passport and other valuables in
a secure place to avoid becoming the victim of
pickpockets. Always try to look after your
property as though it were not insured. Do NOT