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Annual travel insurance policies can be deceivingly luring because you have an entire year to enjoy travel funds without having to repay the loans. Upon closer inspection, many policies reveal incomplete cover of travel needs.
Because people today travel for all sorts of reasons, ranging from business to family vacations to adventure travel, holiday insurance policies have evolved to meet the needs of a wide variety of consumers. It’s no longer one-size fits all, so it’s important to look at the various policies to decide which ones are suitable for your needs. As an example, if you are taking a vacation to a cold climate to do some skiing or mountaineering, you ought to give a winter sports insurance policy a look.
You may not know that fewer than 60 countries have a healthcare agreement with the UK. If you have an skiing accident in Swizerland, for example, the associated healthcare costs can cost you a fortune and will certainly ruin your holiday. Taking out a winter sports policy will cover any unfortunate injuries that may happen when skiing or snowboarding, as well as covering the theft or breakage of sporting equipment.
Backpackers insurance is great when planning to take a backpacking holiday, as it allows up to’ months of coverage for long term trips. For people like students who are studying or working abroad, traveling insurance can also be useful, as long as you make sure all the countries you are visiting are covered in the policy. Be sure to check if you EHIC card is valid in certain areas, such as third-world countries where coverage may be more difficult to attain.
If throwing on a backpack, sticking out your thumb or buying a train pass is your idea of a great holiday – well, there is an insurance policy for you too. Backpackers insurance will cover injuries and accidents in multiple countries. However, before purchasing one it’s important to double-check that these the countries you plan to visit are covered – many third-world ones are not. This type of policy is is also long-lasting: many last for’ months, which is perfect for the wayward backpacker.
* Regardless of your age if you have any pre-existing medical conditions it is vital to let your insurance company know before buying the insurance. Such a condition is likely to increase the cost of your policy but it is a little fee to pay; if you fail to declare any medical issues your insurance policy is unlikely to cover you and this could result in a large bill for any medical treatment.
Before taking out any kind of policy, it’s important to let the insurance company know of any health concerns or pre-exisiting medical conditions you may have. While disclosing this information may raise the price of the policy, the costs of illness while on holiday can be ruinous – it’s a small price to pay in the end. One other thing to consider is that many standard insurance policies have an age-limit – often this is 65. If you are over this limit, this throws you into the high-risk category. But, you’ll be happy to know that there are insurance companies that have policies that specialize in affordable insurance for the older traveler. Whatever type of travel you plan to do, or whatever your age, there is a travel policy for you that will give you peace of mind and allow you to enjoy your holiday.
Susan Reynolds is the webmaster for a leading South African Insurance Provider who specialises in Travel Insurance Policies.
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Tags: Finance, health, insurance, Travel, travel health insurance, Travel Insurance