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The five key travel insurance policy questions

By: mathew sabri

Research into travel insurance is the best way to ensure you get a policy which provides adequate cover to you personally. Professional advisors can help you with this and may save you time because of their knowledge of the market. Online watchdog sites such as Which? also give impartial advice on products. Making sure you buy a reliable and comprehensive policy could mean the difference between life and death in the most extreme circumstances.

While saving money is desirable, don’t gloss over your medical history to try and get a lower premium. Covering up a medical condition or past incident could land you in trouble. If the insurer finds out you have lied and you need related treatment, they are legally entitled to refuse to pay for it.

Knowing the right questions to ask and when is vital. Always ask before you buy. Here are five questions to consider that might save your life one day.

1. What are the conditions of payment for any medical treatment you receive abroad? Whether or not you pay up front and are reimbursed is a big issue.

2. What is the maximum amount youre covered for? Don’t underestimate the cost of a long hospital stay. It is advised that you have at least £2,000,000. Many policies have up to £10,000,000.

3. Is it necessary to contact your insurer before you have treatment? This is sometimes the case and can lead to the difficult situation of an insurer refusing to pay if you have not made them aware that you are receiving medical attention.

4. Medical emergencies are covered, but what about minor problems? Visits to a GP, replacement of lost prescriptions and so on are often exempt.

5. Travel to other countries where medical and transport infrastructure is not as advanced as in the west poses problems. Will you get flown out in the event of a rock-climbing accident, for example?

Article Source: http://ezine-articles-planet.com

If you have been saving up to go abroad in your gap year, you do not want to have to pay a fortune for backpackers travel insurance. etravelinsurance.co.uk offer special rates to provide student travel insurance to protect you and your valuables while you are away.

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