The purpose of travel insurance is to protect you when things don’t go to plan, but fail to mention something of importance to your insurer and you may not have the protection you think! Our list of Do’s and Don’ts are design to stop you from getting caught out:
DO cover yourself from the day you leave the UK to the day you arrive back in the UK.
DO purchase cover as soon as you have booked the holiday to protect against cancellation.
DO get a quote for the USA, Canada and the Caribbean before you book your trip. Travel insurance to these destinations can be more costly, especially for people with pre-existing medical conditions.
DO tell your insurer if you’re taking a cruise. Failing to do so could invalidate the policy.
DO add your travelling companions to your policy. If you or your pre-existing medical conditions cause any trip complications they too can claim and vice versa.
DO declare if you are taking part in any activities such as skiing and snowboarding, and buy winter sports cover to protect you in case you have an accident.
DO check the excess limit on the policy you intend to purchase. The excess is the amount you have to pay out when making a claim. You need to decide if the amount is affordable to you.
DO tell your insurer if you’re travelling to more than one country, even if you're not stopping long. This will ensure you're covered properly for all the areas you intend on visiting.
DON'T be tempted to omit vital information in the hope of saving money. It’s important to declare all your medical conditions. Failing to do so could result in a claim being refused.
DON'T underestimate the importance of travel insurance, especially if you have pre existing medical conditions! Medical costs abroad can be very expensive.
DON'T forget to tell your insurer about any conditions for which you are prescribed precautionary medications for, such as blood pressure, cholesterol and osteoporosis. Just because your medical conditions don’t affect you, do not assume that your insurer will not want to know.
DON'T forget your EHIC card if you’re travelling to another EU country. It doesn’t replace travel insurance but can give access to local, non-privatised healthcare free of charge or at a reduced cost, should you need it.
DON'T base your decision to buy travel insurance on price alone but the level of cover the policy offers. Always check the cover offered is enough to fully insure you and your trip.
DON'T forget to check the maximum duration per trip when buying annual multi-trip policies. You don’t want to get caught out when taking long stay holidays. If the limit is not enough, consider buying single trip cover instead.