There are many misconceptions about travel insurance, and most people do not understand the fine details of this type of blanket well enough than I do – I can not say I blame them! However, with many misconceptions, people are in jeopardy of unnecessary money in the areas that they may and should have their policy.
So I've compiled this mini travel insurance FAQ to help those who have any doubts, concerns or questions to look for?
Q: What should I do before going abroad?
A. Verify that FCO Travel Advice has been verified in the countries visited. Make sure you have enough money and your passport is up to date. Take a photocopy of passport details and keep it in a safe place. Check what kind of inoculation and visa you need. Describe the number and address of the UK Embassy and Consulate in the country you are traveling to.
Question: Should I be able to travel before my leave?
A: Maybe I'm a bit biased on this road, but yes. It is imperative that you also make good travel insurance for short journeys or visits to Europe and is absolutely necessary in countries outside the EU where different conditions make the disease more likely and more affordable for healthcare that is more difficult. It also covers the cancellation of your flight as you travel.
If you travel to a country or a country, despite FCO advice, your insurance company is unlikely to make any claim. If FCO advice changes after the holiday is booked, check your position with the tour operator and the travel insurer.
Question: Do I need a one-time trip or multiple annual travel insurance?
A: Only you can really answer – though one-off travel (usually) cheaper, exactly what you say and only covers one trip. In contrast, the annual multiple travel insurance covers you through various breaks throughout the year, giving you a choice if you think you are likely to need so many trips. Perhaps you could say that two trips per year would require multiple travel insurance, the cheaper than the one-time travel form.
Q: What is the reason for deletion in order to provide coverage?
A: As long as the cause is within the framework of your policy coverage, you should be eligible in most cases. Reasons for cancellation of travel may include family illnesses or deaths (as defined in the policy), foreign weather conditions, suspension of 24 hours of travel, burglary or household damage, victim of a crime that causes medical treatment unable to travel, urgent military service or jury in accordance with the specific terms and conditions of the policy). Likewise, if a hotel or resort (independent travelers) who are visiting for a terrorist attack on the days before their trip can usually be defeated.
Q: Who pays if I need it? overseas hospital or be returned to the United Kingdom?
A. If you have the right cover, the travel insurer has to pay such fees. If not, the costs are between you or your relatives and friends.
Q: Is the European Health Insurance Card (EHIC) the same as health insurance?
A: No. The European Health Insurance Card EHIC shows that the beneficiary is eligible only for reduced or free emergency care within the EU. You still need travel insurance to ensure that you are fully covered in case of illness or injury. The EHIC card, however, helps you reduce your initial costs before reimbursing the insurer.
Q: Is my existing health status a big question?
V: Usually yes. Check the policy formulation to ensure that you cover existing health conditions. They are often not covered unless you pay a premium and if you do not publish your status when you buy the cover you will not be able to claim it. The most important advice is always to examine the rules with a fine tooth comb.
Q: How do I know if it's safe to travel to a particular country?
A: It is strongly recommended that you visit the FCO Travel Advice section of your website (fto.gov.uk). This information is updated on a regular basis and provides sound advice on where and how safe it is to travel (remember that "unsafe" outsourced areas are rarely covered by travel insurance.)
Q: Safe travel after overseas terrorist attacks?
A: Unfortunately, there is no risk-free travel, and lack of advice on traveling to a particular country or territory does not mean that FCO provides security in this country or area.
I hope this travel insurance FAQ proved to be useful – only very scrupulous service and each policy is different but with this advice you have to be in a better position to buy, next time you need to buy travel insurance.
Source by sbobet