The Five Key Travel Insurance Policy Questions

By Author: mathew sabri
Total Articles: 33
Comment this article

Travel insurance is something that can seem inconsequential when its bought and as a result too many people take choosing a policy lightly. It is essential to do a bit of research yourself or seek some impartial advice as to the specific protection and quality of the products you are considering.

One of the key factors in higher premiums is existing medical conditions or history, because the risk of further problems in that area is greater. But don't be tempted to keep quiet about an issue which you might need treatment for in the future, because if the insurance company find out you have withheld the truth they are not obliged to cover the costs of your treatment.

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. Not all medical treatment is covered. Dental is a prominent example. What happens if you need a dentist or other non-essential medical service?

5. In the event of a very serious injury where treatment in your home country is necessary, will your insurer pay for you to be airlifted home? Or even from a remote region to one with a hospital? Particularly pertinent to more adventurous travellers.

Visit etravelinsurance.co.uk for your student travel insurance. You may find that you need to return home during your trip. Unlike most backpackers travel insurance etravelinsurance.co.uk allows you to return home up to 3 times during your trip for up to 14 days at a time without voiding your policy