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Bad weather and natural disasters: Travel insurance helps

Travelling is one of life’s greatest pleasures! And good weather is a big factor when booking your ideal vacation. But considering the changes in climate conditions around the world, prompting unexpected bad weather and natural disasters, there’s no guarantee for perfect weather when travelling. Travel insurance policies can helpTrip cancellation Insurance Canada protect you from unexpected expenses during these unfortunate circumstances. Ask your insurance agent the right questions and read and understand your policy wording carefully.

A few facts to get you started:
1. Coverage does not apply to a forecast (or “known event”) of bad weather because it isn’t an “unforeseen” event (ie. It rains the whole week at your destination).
2. “Bad Weather” or “Natural Disaster Coverage” in a travel insurance policy means that you’re covered if those events haven’t happened but are likely to cause serious harm or financial losses IF they do happen (ie. snow storms, hurricanes, fires, earthquakes, etc.).
3. Travel insurance can include coverage for delayed, cancelled or interrupted trips due to inclement weather. Be sure to get familiar with the details surrounding each situation.
4. Some natural disasters are classified as Acts of God and no coverage is provided.
When dealing with bad weather or a natural disaster, each travel insurance policy is different. Prior to purchasing the policy, ask your insurance agent to explain the terminology, definitions and the fine print you can’t comprehend. Here are some common terms to look for:
a. Trip Cancellation: In many cases, trips that are completely cancelled require a 24-hour shut down of common carrier services. If you cancel your trip within 24 hours of your scheduled departure date and, and if your trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, full reimbursement may be issued within the guidelines of the policy.
b. Missed Connections: You may be reimbursed for additional costs to catch up to a cruise or tour if it is a carrier-caused delay or documented weather condition.
c. Trip Delay: Generally caused by bad weather or a carrier delay, you may be covered for additional expenses incurred during this delay (ie. food, accommodation). Long delays of more than 50% of the length of your trip can turn into a trip cancellation.
d. After death/Death & Medical/Dental Care: If you are injured or killed while traveling and as a result of a natural disaster, benefits may be paid to reimburse you, the medical facility who treated you, or your beneficiaries up to the travel insurance plan limits.
e. Trip Interruption: If you unexpectedly return home early from your trip (including official/forced evacuation or your travel accommodation is uninhabitable), you may be reimbursed for unused prepaid trip costs and one-way airfare.
f. Non-medical emergency evacuation coverage pays for all reasonable expenses incurred for your transportation to the nearest place of safety.

Travel Insurance for cruise vacations

You’ve decided to cruise into your next great adventure! Luxurious moments of relaxation, decadent buffets, spectacular cruise vacationsentertainment and recreation at your fingertips—what more could you want? Peace of mind, of course! So leave your worries at the dock and protect yourself by planning for unexpected events before and during your luxury liner vacation.

Cruise companies are typically not responsible for events like personal illness or accident, trip cancellation, airline delays, lost baggage or a travel agency going out of business. In these situations, travel insurance provides the greatest protection and the fees are usually a small percentage (5% to 8%) of your vacation expenditure. So before you walk the gangplank and do the royal wave to shore, here are a few things to keep in mind:

  1. CRUISE LINE INSURANCE: These plans typically offer modest benefits and more restrictions compared to a third-party insurance provider. For example, cruise insurance can help you catch up if you missed your flight and the ship sailed without you, but may not provide coverage for a restricted or non-refundable ticket.
  2. THIRD-PARTY INSURANCE: These policies are more comprehensive and can provide you with different levels of coverage instead of a one-size-fits-all plan. For example, if a broken leg forces you to cancel your trip, travel insurance can reimburse you, but the cruise line cannot.
  3. FINANCIAL DEFAULT: Cruise line coverage generally doesn’t cover its own financial default. If your cruise line or tour operator goes under, “supplier default coverage” (among other cruise vacationsclauses) in your policy ensures that you recoup your travel investment.
  4. PRE-EXISTING MEDICAL COVERAGE: Travel insurance is required if you have a pre-existing medical condition and must be purchased when making a final cruise payment.
  5. FLIGHTS: Travel insurance can be estimated according to the pending purchase of your airfare and cruise regardless of which one is purchased first. However, most policies need you to buy travel insurance within a specified booking window.
  6. WEATHER CONCERNS: If cruising during hurricane season, purchase travel insurance prior to the formation of the hurricane, not after a weather advisory has been issued. This assures coverage of travel cancellations or delays caused by the storm.
  7. INSURING YOUR CRUISE FARE: You can insure a cruise fare (ie. $1,599.99) which could include coverage for: trip interruption/cancellation/delay; missed connection; lost/stolen/damaged baggage, emergency evacuation; medical/dental and more.
  8. FAMILY COVERAGE: You can purchase an insurance policy with an annual fee for medical evacuation family coverage domestically and when travelling abroad.
  1. SEASICKNESS & NON-EMERGENCY ILLNESS: A cruise is essentially a floating city, with an infirmary in operation 24/7 and staffed by qualified doctors and nurses. Non-emergency conditions treated on board include seasickness, influenza, Norovirus, minor injuries and more. Passengers with respiratory and bacterial ailments are quarantined for up to 72 hours. In case of a more serious illness, you’ll be disembarked at the next port to get proper medical care during which a current and comprehensive insurance policy, and medical documentation, will provide the insurance protection you need.
  2. MEDICAL TREATMENT ON-BOARD: If you receive treatment or medicine from ship physicians, the cost will be charged to your cabin. You would then file a claim with your personal insurance carrier to recoup what’s covered by your health policy. Travel insurance would typically cover the rest. Always best to review your policy details.
  3. MEDICATIONS: If you’ve boarded the cruise ship and realize that you’ve forgotten important meds (heart meds, insulin, etc.), your travel insurance policy could provide coverage for you to legally access the same meds at the next port.

PERSONAL BELONGINGS: A travel insurance policy could help to recover lost/stolen wallets, passports, visas and more.

Myths about travel insurance

travel insurance mythsDon’t leave home without it. Travel insurance, that is. After all, you would never leave on a trip without money, luggage or your camera, right? So if you got a great deal on a trip, and you’ve  maxed out your travel budget, consider this. Spending a few extra dollars on travel insurance gives you peace of mind and savings on medical and travel expenses due to an unexpected illness or accident. Travel insurance isn’t a waste of money. In fact, many group tours, seniors’ travel excursions and cruises require you to have it. Still not convinced? Here’s a look at the truth behind 6 common myths about travel insurance:

  1. MYTH: I’ll be fine! Nothing is going to happen to me. WE KNOW: Traveller’s typically take more risks and do more extraordinary things on vacation. Unexpected accidents and illnesses are a reality anywhere. Additionally, travel insurance comes with emergency assistance to take care of your needs, when you need it the most.

 

  1. MYTH: I’m travelling in Canada, so I’m completely covered by government health care. WE KNOW: Typically, you are only partially covered by your provincial health insurance, but likely not enough for Canadian trips outside your home province. It’s best to have additional travel insurance that fills in any gaps in coverage.

 

  1. travel insuranceMYTH: Medical coverage through work or a credit card is all I need. WE KNOW: Non-medical travel insurance may be necessary even if you have coverage through work benefits or a credit card. Review your existing coverage to ensure you’re covered for everything, including customized coverage for special needs. (ie. pre-existing conditions, adventure activities, etc.)

 

  1. MYTH: Travel Insurance is too expensive & complicated. WE KNOW:  The high cost of medical care abroad is far more expensive than the daily cost of travel insurance. Travel insurance is good for domestic, US and international trips. Online or by-phone applications, with often less than 5 questions, makes the process simply worth it.

 

  1. MYTH: Travel Insurance won’t cover my age group or pre-existing medical condition. WE KNOW: Ensure your pre-existing condition is stable, and you’re not within the “high-risk” category prior to your trip. Many policies can provide you with customized coverage, based on accurate and complete medical information. Also, source an insurance plan without age limits and one that will cover an unexpected illness or injury (ie. food poisoning or a broken bone).

 

  1. MYTH: Travel insurers always find a reason to deny a claim: WE KNOW: An insurance policy is a contract between the policyholder and the insurer. Insurers must pay all valid claims based on the applicant’s original information provided.

Adventure & Extreme Sports Travel Insurance

travel insurance back packingMost travellers plan scenic, fun-in-the-sun holidays designed to achieve rest, relaxation and rejuvenation. But there is a growing market for adventure and extreme sports travel involving high-risk activities–not for the weak hearted.

Every year, adrenaline junkies partake in domestic and international thrill-seeking adventures including skydiving, parasailing, extreme-risk skiing on black-diamond hills, bungee jumping, motorized speed sports, scuba diving, parachuting, mountaineering, mountain biking and more. And the price of an unexpected, adventure-related accident could be costly. So for those who love to live life on the edge, having the right kind of travel insurance protection makes sense.

Here are some tips for purchasing insurance for needs outside the box of regular travel insurance products:

Look for insurance with coverage for high-risk activity–termed “hazardous sport” or “adventure sport.”
• Scan the insurance policy & look for an exclusion list (ie. age, pre-existing medical condition, length of stay, etc.) which clearly details & defines if a particular activity is deemed to be “hazardous.”
• Consult a licensed insurance broker who can provide guidance towards higher-risk policies to suit a more daring lifestyle.
• For existing policies, ask if additional protection (typically called a “rider”) can be purchased to include protection for engaging in high-risk activities while travelling.
• For professional athletes in an organized sport: Travel insurance should be obtained through the sanctioned body of the sport (ie. athletics association) to ensure full coverage.
• If adventure travelling overseas, obtain additional medical coverage not included in a domestic healthcare protection plan. Features to include: 24/7 emergency assistance, hospital stay, doctors’ visits, prescription medications & more.
• Scan the insurance policy for features including travel to & from the adventure sport, medical & evacuation coverage, coverage for competitive & non-competitive activities & other requests tailored to specific needs.

travel insuranceNote: Aside from adventurists who live life without limits, industry surveys show that travellers are generally more prone to “risky behaviour” (apt to try new things!) when vacationing abroad. According to the Travel Health Insurance Association, about 75 per cent of travel medical insurance policies offered to Canadians would exclude skydiving or parachuting.

Documentation for Overseas Travel

Travel InsuranceBon voyage! Gute reise! Miłej podróży! Have a good trip… overseas that is! So while planning for the excitement of a new place, people and culture, it helps to research what to take with you and prepare for unexpected events.

 

Crossing international borders can be complicated and requires the right documentation. Here’s what you need, where to get them, and which ones get you across the borders safely, quickly and easily.

1. Obtain a passport: A passport is the most reliable and universally accepted travel identification document. It proves your right to return to Canada. Processing times: 10 business days (urgent requests in less time) at a Passport Canada office or 20 business days at a Service Canada or Canada Post office.

2. Obtain a visa: This endorsement on a passport grants permission (if necessary) for the holder to enter, leave, or stay for a specific period of time in a country. Processing time: up to 60 business days at the destined country’s foreign representative office located in Canada. Service Canada can assist with this.

3. Buy travel insurance: Protect your health, safety and travel plans from unexpected illness, accident, trip cancellation or other crisis events. Given the various foreign laws and processes, travel insurance offers the cross-border protection you need.

4. Obtain a signed consent letter: If a child is travelling with only one parent, a consent letter from the other parent eases the entry into other countries and re-entry into Canada. Carry the child’s passport, birth certificate and a consent letter at all times.

Travel Insurance5. Present photo identification: All passengers boarding a flight must show documentation with a photo, date of birth and address on it as further I.D.

Aside from carrying travel documentation (and photocopies of all) valid for air, land and sea, a trip overseas requires advance planning and research. Take note of travel alerts and warnings, contact information for the Canadian Embassy in case of emergency, requirements for an International Driving Permit (IDP), packing smart, handling foreign money, local laws, customs and language (learn a few key phrases), vaccinations, medical facilities and valid travel and health insurance. Be prepared. Be safe. Bon voyage!

Multi-trip Annual Travel Insurance: An affordable route!

travel insurance
With all the great deals on vacations and flights these days, it’s tough to resist that get-up-and-go urge to take off. So it makes sense to be prepared for a spur-of-the-moment trip. It makes even more sense to have travel insurance coverage, especially if you’re going to travel more than twice a year.
Consider a Multi-trip Annual Plan. It’s simple, affordable and a great way to protect against the cost of unexpected emergencies. When you’re travelling outside your home province or outside of Canada, as a business traveller, a student, a vacationer or a cross-border shopper, this annual travel insurance plan covers you for an unlimited number of trips (4, 10, 18 and 30 day duration on each trip) taken within 365 days.
Let’s face it, buying travel insurance increases the price of that cheap flight or that tempting, rock bottom priced, all-inclusive trip to the Caribbean. But when you purchase a Multi-trip Annual Plan, the savings makes travel insurance a more attractive essential, not to mention the peace of mind you gain from having coverage. You’ll stay safe without even thinking about it!
Here are some other benefits to a Multi-trip Annual Plan:
• Freedom and flexibility to travel whenever and wherever you want.
• Be insured for up to $5,000,000 million in emergency hospital, paramedical, dental and medical protection
• You have a choice of additional flight accident coverage only OR additional flight accident plus trip cancellation and interruption coverage
• Coverage for expenses related to death.
• Return home of a travel companion or of children under your care.
• Coverage for baggage loss or delay.
Multi-trip Annual Travel Insurance is the most convenient and cost-effective way to get travel insurance coverage all year long. As a frequent traveller, with a passion for short haul or long haul trips, you’ll appreciate our Multi-trip Annual Plan. It is outstanding value considering the level of coverage you get! Bon voyage! Fai un buon viaggio! Gute Reise! Enjoy your trips!

5 Tips for Buying Travel Insurance

Insurance with Assurance: 5 Tips for Buying Good Travel Insurance

An option for some, but a must for others. Travel is on many bucket lists. And it requires take-it- or-leave-it trip essentials that stir up some decisions. “Should I? or Shouldn’t I?” get travel travel insuranceinsurance? According to an insurance industry poll, 7 out of 10 travelers say spending the extra bucks for travel coverage has a big impact on budget. So if buying insurance is the deciding factor on the price of travel, then consider this: your health and well-being is priceless.
Good travel insurance stands up to its price, its promises and its commitment to help you handle the unexpected. Whether it’s for business or pleasure, travel insurance is your assurance for proper medical coverage, health benefits, hospital visits and more. When unexpected illness, injury or emergencies arise, good travel insurance is clear and leaves no room for misunderstanding, misinterpretation and misinformation. Given the recent news about hefty ambulance charges for unexpected situations, it pays to get familiar with the travel insurance coverage you purchase…before you leave the province or the country. Here are some tips for buying the best policy:

 

1. Know what you need : Good quality coverage that meets your specific needs is most important. Shop for these specifics, compare rates and ask lots of questions. Ask if your insurance company can match competitor rates (online and by phone), offer trip cancellation and extend the policy to multiple trips…and give you a number that’s accessible from anywhere.

2. Tell all: To get the best insurance package for you, disclose any medical conditions, the type of vacation you’ve booked, your travel destination and the activities you’ll do. But be aware that risky adventures, like bungee jumping or scuba diving, nullify your policy.

Travel Insurance3. Collect information on your current coverage:
Review your group health benefits, cardholder agreements and banking agreements before you make a policy purchase. You may already have coverage (even if it’s very minimal) that just needs to be supplemented.

4. Adjust the deductible in your favour
Sometimes changing the deductible affects the price. A higher deductible means a lower premium, maximum peace of mind and minimum risk.
5. Get referrals:
Friends, family and colleagues always have an opinion on good insurance companies. Referrals are your ticket to calling on reputable companies with the most comprehensive coverage, for the best price , and with smooth claim policies.

Top 5 Romantic Roundabouts in Canada!

It’s been all about having fun with the kids and family this summer!  But school is fast approaching and it’s time to plan a romantic getaway just for two! Escape to Canada’s breathtaking landscapes, culinary culture and activities to please all.

But before setting out on that trip, be sure to add travel insurance to your list of must-haves, just in case of unexpected illness, injury or hospital visits. Travel insurance is your safety net, especially for unplanned expenses. Gain peace of mind with protection that offers benefits like medical coverage, healthcare and emergency services. After all, you need to concentrate on each other, not worry about the unexpected! Protect yourselves and travel safe.

Here’s our Top 5 list of romantic destinations in Canada:
1. Niagara Falls:
Travel Insurance canadaBest known as a honeymoon destination, Niagara Falls attracts millions of travellers to its gushing waters (illuminated at night!), lush parks, casinos and entertainment district. Big-name acts serenade nightly and a variety of casual and fine dining restaurants and entertainment venues cater to the big kid or the romantic soul. Couples love the newly-renovated hotels with Falls view rooms, in-room whirlpool tubs and “theme” rooms designed to keep the fires burning. Venturing outside the hotel now and then is a treat too! A revitalized landscape and the 24-hr casinos keep the town hopping!

 
2. Quebec City:
Travel Insurance CanadaMany say it’s a little piece of Europe in Canada! Steeped in history and filled with romantic restaurants, quaint shops and cozy hotels, Quebec City has gained a reputation as one of the most romantic places in the world. This provincial capital is ideal for strolling along the cobblestone streets, sipping on lattes in a cafe, and exploring its 17th Century architecture. The French-speaking locals take pride in their culture, food and romantic offerings. It’s an ideal destination for couples seeking a relaxed, scenic, and French-inspired concoction of flavours, sights and sounds.

 

 

 

3. Cape Breton:
Travel Insurance CanadaA romantic getaway to Cape Breton offers a laid back way of life and dramatic landscape designed to inspire a deep connection with the land, the people and your partner. As part of Nova Scotia, CB’s distinct Celtic heritage draws visitors to its music, food and cultural charm. Stroll the shores and streets or take a scenic drive along the Cabot Trail for some stunning views. The picturesque landscape is an ideal backdrop for photography, picnicking and breathless moments of stillness. And seafood lovers can delight in reasonably-priced lobster suppers!

 
4. Banff:
Travel Insurance CanadaThis Alberta destination is a charming town nestled in the Canadian Rockies, less than an hour from Calgary. The world-famous Banff Springs Hotel and Chateau Lake Louise welcome visitors seeking awe-inspiring views, spa-pampering and seasonal activities. Get cozy in the Banff hot springs overlooking the majestic mountains and the turquoise waters of Lake Louise. Hit the slopes for powder snow skiing, hike through gorgeous natural landscapes or take a dogsled ride while snuggled under a blanket. Banff has perfect private spaces ideal for stealing a few kisses, marriage proposals and more!

 

 

5. Vancouver Island:
Travel InsuranceHome to the province’s capital city of Victoria, Vancouver Island sits off the coast of British Columbia and features many romantic inlets and harbours. Do a little wine tasting at MooBerry Winery, sample some fine cheeses at Little Qualicum Cheeseworks before and take a romantic stroll through Butchart Gardens before retiring for the night at one of Canada’s most romantic resorts–The Wickaninnish. Exquisite cuisine, ocean views, cozy fireplaces and beautiful vistas of the Pacific Ocean enhance any stay.

TOP 7 MUST-SEE LANDMARKS IN CANADA!

Natural beauty. Inspiring people. Cultural diversity. Tasty cuisine. And scenic wonders. This is Canada! Over half a million international visitors travel to Canada each year. More than 350,000 Canadians book domestic trips yearly.

And many are adding travel insurance to their list of trip essentials, just in case of unexpected events. A slip and fall, an illness, or a hospital visit could mean unplanned expenses or a vacation brought to a disappointing halt. Travel insurance serves as a safeguard. It offers calm during a crisis, travel benefits, medical coverage, healthcare services and emergency protection overall.
Travelers need peace-of-mind before taking to land, sea and air. With so much to see including the bustling city centres, the serene wilderness, the quaint countryside and the peaceful lakes and rivers of the Canadian landscape, having travel protection adds ease and comfort.
Speak to a travel insurance advisor before embarking on a fun-filled trip to Canada.

And to kick off a truly Canadian visit, here’s our pick for 7 of the most famous and fascinating landmarks:
Travel Insurance1. The Canadian Rockies are the perfect backdrop for photos taken in British Columbia and Alberta. The majestic mountain terrain and crystal cold lakes and rivers make it an ideal setting for the outdoorsy tourist. Travel insurance is a must here, especially for thrill-seeking adventurers and extreme sports enthusiasts!

2. Banff National Park in Alberta attracts visitors to serene surroundings and rough terrain perfect for hiking, hunting, fishing, skiing, snowboarding, snowshoeing, or sleigh riding.

3. The Northwest Territories is the largest and most pristine natural wilderness in Canada. It is home to bison, moose, beaver, grizzly bears, whales and more. The “Aurora Borealis,” also called the Northern Lights, is a natural light show of brilliant colours seen in the night skies of the NWT from September to October and from March to April.

4. Niagara Falls is one of the Seven Natural Wonders of the World located in Ontario. Also known as the Horseshoe Falls, this gushing waterfall produces over 6-million cubic feet of water every minute and boasts breathtaking views, including the waterfall’s edge.

5. The CN Tower stands 553 metres (147 Floors) high above the urban city of Toronto. It is one of the tallest free-standing structures in the world and is seen from virtually anywhere in the city. The Tower offers a quick elevator ride up, a revolving restaurant at the top and an outdoor EdgeWalk adventure for fearless travelers with life insurance too!

6. Hopewell Rocks are unique rock formations, pounded and shaped by tidal erosion, and located in the Bay of Fundy, New Brunswick. Plants and trees grow atop the stones which are formed Travel Insurance Canadathicker than the lower portions, making it a unique sight. The rocks won’t tumble, but travel insurance is perfect to have!

 

 

 

 

7. Peggy’s Cove is Nova Scotia’s tiny, quaint seaside village that sits on top of cliffs that were naturally carved by glaciers. The scene is completed with an iconic lighthouse and the sea salt waters Travel Insurance Canadaof the Peggy’s Cove Preservation Area, Indian Harbor, and Hackett’s Cove. Travel protection while you enjoy sailing, boating or fishing with the locals means a more enjoyable and relaxed time for all.

 

 

 

 

 

For more information OR To purchase travel insurance click here!

Travel Insurance FAQ's

Travel Insurance FAQs

Travel Insurance FAQs

There are a lot of misconceptions related to travel insurance, and understandably most people aren’t as well versed in the fine details of travel insurance as I am – I can’t say that I blame them! However, many misconceptions put people at risk of spending unnecessary amounts of money on areas that could and should be covered by their travel insurance policy.

So, I’ve compiled this mini travel insurance FAQ to assist those who have doubts, worries or questions about travel insurance.

Q: What should I do before going abroad?

A: Make sure you have adequate travel insurance and that you have checked the FCO Travel Advice for the countries you are visiting. Check you have sufficient money and that your passport is up-to-date. Take a photocopy of your passport details and keep in a safe place. Check what inoculations and visas are required. Note down the numbers and addresses of the UK embassy and consulate in the country you’re traveling to.

Q: Should I take out travel insurance before my holiday?

A: I may be a little biased on this one, but yes! It is extremely important that you take out adequate travel insurance even for short trips or visits to Europe, and absolutely imperative in countries outside the EU where different conditions make illness more likely and affordable medical cover that bit more difficult to get hold of. It also covers for cancellation as soon as you book your trip.

If you travel to a country, or part of a country, against FCO advice, it is unlikely that your insurer would meet any claim, however. Should the FCO advice change after you have booked a holiday, check the position with your tour operator and travel insurance company.

Q: Should I be looking at single trip or annual multi trip travel insurance?

A: Only you can answer that really – although single trip insurance is (generally) cheaper, it does exactly what it says and covers you for just the one trip. By contrast, annual multi trip travel insurance will cover you for the whole year on various breaks, making it the choice if you think you’re likely to travel that much. You may find that just taking two trips a year would make annual multi trip travel insurance cheaper than the single trip variety!

Q: What sort of reason for cancellation is valid to ensure cover from travel insurance?

A: As long as your reason is within the scope of cover provided by your insurance, then you should be entitled to claim in most cases. Legitimate reasons for canceling your trip could include an illness or death in the family (as defined by your policy), freak weather conditions suspending travel for 24 hours, burglary or damage to your home, being a victim of criminal assault resulting in you being medically unable to travel, being called up for emergency military service or jury duty (subject to the specific terms and conditions of the policy). Likewise, if the hotel or resort (for independent travelers) you’re due to visit suffers from a terrorist attack in the days leading up to your travel, you will generally be able to claim.

Q: Who pays if I need to be hospitalized overseas or flown back to the UK?

A: If you have proper travel insurance, the insurance company should pay such fees. If not, the cost will fall to you or your relatives and friends.

Q: Is a European Health Insurance Card (EHIC) the same as health insurance?

A: No. The free European Health Insurance Card (EHIC) shows that the holder is entitled to reduced or free emergency care only within the EU. You will still need travel insurance to ensure you will be covered fully in the event of illness or injury. The EHIC card will help though, by reducing your initial outlay before you can be reimbursed by your travel insurance company.

Q: Is my pre existing medical condition a big issue?

A: Generally, yes. Check the wording of your policy to ensure it covers pre-existing medical conditions. Often they’re not covered unless you pay an extra premium, and if you fail to declare your condition when you buy the travel insurance, you’ll be unable to claim on it. As always the key advice here is to check the policy wording with a fine tooth comb.

Q: How can I find out whether it is safe to travel to a particular country?

A: It is strongly advised that you check the FCO Travel Advice section of their website (fto.gov.uk). This information is regularly updated and should give you solid advice on where is and is not safe to travel (remember, areas officially outlined as ‘unsafe’ will seldom be covered by travel insurance policies).

Q: Is it safe to travel after a terrorist attack overseas?

A: Unfortunately, there is no such thing as risk-free travel, and the absence of advice against travel to a particular country or area does not imply that the FCO guarantees safety in that country or area.

I hope this travel insurance FAQ has proved useful – it’s only really scratching the service and each policy is different, but with this advice you should be in a better position to shop around, next time you need to purchase travel insurance.