Cheap Travel Insurance tips from the InsureAnts
No matter what your choice of holiday, there’s always a keen sense of anticipation about getting away from it for a week or two. The last thing you want to do is think of boring things like travel insurance. But much more than a stiff drink, a good travel insurance policy can ease the stress of a holiday disaster.
However, it’s not good enough just to have any old policy, you need to spend time understanding it and being ready if you have to make a claim. We know, that’s the last thing you want to be doing as you stuff the sun cream into your suitcase, but a little bit of time can save you a lot of money and stress further down the line.
Insurers estimate that around 10% of travel insurance claims are fraudulent, so here are a few tips to make sure you have everything you need when it comes to travel cover:
The small print
Ok, so you’ve compared the deals on offer through our partners and now you’re weighing up your options. But before you buy a policy, read it carefully to see what it actually covers. Read the small print; each policy will be different and you shouldn’t assume that certain things are included. It will be too late when you have to make a claim and find out you aren’t covered for something.
Compare Cheap Travel Insurance Carefully Before Buying
Keep an eye out for:
- Check out the excesses offered as these can vary greatly from each policy. For example, if the excess states £50 per item, you will have to pay £50 towards each item you are claiming for.
- Look closely at the level of medical protection offered. Medical treatment costs can be quite high in countries like the USA and some policies won’t cover existing medical conditions.
- Whether your policy covers you for lost or stolen cash and whether loss is included in your policy.
- What to do in an emergency – does the insurer offer a 24-hour emergency assistance, either as standard or as an add-on?
When you get travel insurance online, there are various things you have to think about to ensure that you get the most out of your policy. Ensure that you’re honest and upfront with your insurer so that your policy will fit your needs well.
Anything to declare?
When you apply, make sure you tell your insurer everything (ok, well maybe not the colour or size of your swimming trunks). Let them know if you have any existing medical conditions as some policies may not cover them. You should also inform your insurer of what kind of activities you will be doing while away, even if they don’t seem particularly dangerous.
It’s always best to tell your insurer if you are taking expensive items such as jewellery or cameras on your travels. If possible, keep receipts for items you want specifically protected by your policy.
And if there’s anything else you think is relevant let your insurer know beforehand. A lot of the time, insurers reject claims because they argue that information wasn’t disclosed to them earlier. If in doubt, let them know. You should also take a copy of your policy documents with you so you can check exactly what you are covered for should the need arise.
If something is lost or stolen, report it to the local police as soon as possible and get a crime number or their equivalent. If you are on a package holiday, you should also report any loss or theft to your rep or hotel.
In good health
If you are travelling in the EU, there is now a European Health Insurance Card (EHIC) which replaces the old E111 forms. It entitles you to free medical treatment within Europe similar to what you would get from the NHS. You can get an application form the Post Office and need to fill it in and send it back at least 10 days before you travel.
Study your policy carefully before you go to see what exactly you need to do in a medical emergency. If you have to buy medicines or pay for treatments abroad, keep the receipts.
If you have to make a claim when you get home, make sure you have all the details documented and all relevant paperwork like receipts and documents from local authorities as well as photographs and anything else you think might be helpful. The more thorough you are, the easier you claim will be to deal with.
If your claim is rejected you can appeal, but bear in mind companies won’t pay out in certain circumstance, for example alcohol related incidents. If you are still not happy, you can take your case to the Financial Ombudsman.
If you are looking for a brilliant deal on your travel insurance, just relax and let us do all the heavy lifting. You can always call the Ant-Line and speak to a friendly UK-based team on 0800 479 2821*