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Got holiday cover? But have you got the RIGHT holiday cover?

FCO Insurance Checklist May 2015

It’s at this time of the year that we get wind of new campaigns from the Foreign and Commonwealth Office. This year they are highlighting the need for travellers and holidaymakers to get the right insurance cover.

Why?

According to research, 30% of travellers aged between 16 and 24 were uninsured in 2013-14, and 41% of overall British travellers didn't think it was necessary to purchase travel insurance for their trip abroad. That’s surprising! We all know that travelling uninsured can lead to costly bills and all kinds of heartache and financial problems.

However, this year the FCO campaign is focusing on the problem of people going abroad without the right cover – something that can also lead to similar problems. How so? Well, if you don’t declare pre-existing medical conditions, aren’t aware that drugs or alcohol can invalidate your policy and don’t get cover for activities like diving or climbing then you could end up coming unstuck. If you don’t have the right cover your travel insurance company is perfectly within its rights to refuse to pay out.

That could prove costly. If you had an accident diving, for example, and needed to be airlifted to a decompression chamber, then needed specialist care followed by an airlift home it can run into many thousands of pounds, hundreds of thousands even. That might sound extreme but it does happen. What’s more likely is that you twist an ankle and need an ambulance to take you to a clinic to get an x ray and a plaster cast while on holiday in Spain. That could cost you a few thousand. And if you did it under the influence your insurance company might refuse to pay up.

So how can you make sure you have the right cover?

  • Read the small print to make sure your cover is right for you.
  • Check that the activities you intend to do are covered by your policy.
  • Declare all your pre existing medical conditions.
  • Take a look at the FCO’s list of things to check.

It might be worth taking a look at the It All Adds Up video here. It makes a very good point.

The next thing to do is to give us a call on 0845 90 80 161 or get a quote online. If you have medical conditions we can help. We cover 1000s of them and can arrange cover for more serious or chronic conditions. We also insure over 150 sports and activities automatically as part of your policy. All you have to do is tell us what you plan to do and we’ll take care of the rest.

 

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