Q: Who pays if I need to be hospitalised 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.
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