Always declare any current or past medical conditions you think might affect the cover. You may not be covered by your policy if you don’t. Look for a specialist travel insurance policy if a standard policy does not cover you because of a medical condition. An independent insurance intermediary should be able to find a policy suitable to your needs. Find a specialist insurance broker in your area on the British Insurance Brokers Association website.  Read More →

The UK has mutual health care agreements with many countries, but these arrangements do NOT cover all the expenses you can incur: cost of relatives flying out (and back) accommodation for relatives bringing you back to the UK treatment in a country without a mutual agreement – in an emergency you may be taken across a border to be treated. A good travel insurance policy will cover these costs. The Department of Health website explains the level of free or reduced-cost emergency medical cover you can expect in each country  Read More →

Take out a policy with a 24-hour emergency service. Serious accidents or illness will all be managed by the assistance company. They will make any necessary arrangements and provide help and advice throughout the ordeal.  Read More →

Many people deeply regret not taking out travel insurance. They think their credit card accident cover, home insurance, or private health cover is sufficient. The real cost when things go wrong An emergency abroad can be extremely expensive. If you need to be returned to the UK it could cost you thousands of pounds, unless you are adequately insured: £35-45,000 – air ambulance from USA’s East coast £12-16,000 – air ambulance from the Canary Islands £15-20,000 – scheduled flight, stretcher and Doctor escort from Australia Figures supplied...