Do You Need Travel Insurance?

Everyone thinks of going on holiday as one of the most fun and relaxing times of the year. However, it’s not always that fun or relaxing. If you have some kind of financial or medical emergency while you’re travelling, your holiday could turn into a serious problem. When you’re travelling within the UK, you’re generally covered for health care costs in the same way you would be at home. However, when you travel outside the UK, you are going to have some other factors to consider.

For example, the United States has incredibly advanced medical facilities, but it does not have widespread public funding of those institutions like the NHS. Americans and visitors to the United States are responsible for paying for their own healthcare based on their needs. If you don’t have health insurance, that could be incredibly expensive. Most Americans carry health insurance that covers them at certain facilities, but not all of them. When you’re traveling to a country such as the United States that doesn’t have the infrastructure for public funding of healthcare, you need to have insurance of your own. You need travel insurance. Other countries have public funding of healthcare, but it might not cover foreign visitors, or it might only cover certain things.

In addition to medical expenses, certain kinds of travel insurance also cover personal effects. There are many nuances to the types of medical conditions and personal effects which are covered.

Medical Insurance

Budget holiday insurance isn’t always easy to come by, but when you find a provider, it could be a literal life-saver. Medical travel insurance is a series of different coverage plans that will cover you in case you need medical attention while you’re traveling abroad. This can be increasingly difficult to find if you have a pre-existing condition. A pre-existing condition is any kind of condition that you had before you signed up for travel insurance. That doesn’t typically include common and temporary conditions such as the flu or a cold. However, it does include things such as asthma, cancer, or any other list of chronic conditions. Which conditions are covered depends on which provider you choose and which cover plan you choose.

Travel Insurance1

Certain providers don’t actually charge you extra for certain pre-existing conditions. Some of the most conditions are covered at no or little extra cost. These common conditions are usually asthma, chronic obstructive pulmonary disorder, past heart attacks, higher than ideal cholesterol, or high blood pressure. These are fairly common conditions, so the best medical travel insurance tends to cover these conditions.

Adventure Travel Insurance

Many people are choosing to move towards more adventurous holiday travel. Fell walking, hiking, windsurfing, skiing, and snowboarding are just a few of the activities that have become increasingly more popular over the years. However, that can complicate your travel insurance for several different reasons.

When you’re dealing with medical insurance, adventurous holiday travel could actually jeopardise whether or not you’re covered. In certain situations, especially with lower quality holiday insurance, you could actually find yourself not covered because of your actions. For example, if you have medical insurance while you’re snowboarding, but you fall and break your leg, you might not actually be covered because you were taking part in a risky endeavour. For that reason, you should make sure that the provider you choose will cover you even when you’re taking part in adventurous activities.

Adventure travel can jeopardise some of your personal effects cover. Personal effects cover tends to cover you up to about £3,000 or so. If something is lost or broken, you can get it replaced up to the amount that you’ve insured it for. However, certain personal effects cover plans don’t cover you if you are engaging in adventurous activity. For example, if you’re snowboarding and break a binding when you fall, it’s likely that you won’t be covered for your broken binding. You should make sure that you have adventure travel insurance to cover your personal effects.

Cruise Insurance

Cruises are very popular holiday destinations, but they have some specific considerations that make them a little bit harder to insure. You have to make sure you are getting cruise insurance and not just standard travel insurance.

Cruise insurance includes specific provisions that wouldn’t be relevant in other kinds of holidays. For example, if you miss the departure from the port, the ship will leave without you. Getting to the ship or getting to the next destination could cost you a lot of money. You should look for cruise insurance that covers you up to about £1000. Also, medical problems that occur while you’re at sea could be much more expensive than if they’d happened while on land. Most cruises have onboard medical facilities, but they’re not very sophisticated. If you have a serious medical issue while at sea, you’ll likely need to be flown off the cruise ship by helicopter. That’s going to be incredibly expensive, which is why standard insurance doesn’t cover cruises. It’s not equipped to handle that kind of expense.

You need to make sure you are choosing a cruise travel insurance policy that covers any pre-existing conditions you might have as well.

Specialised Insurance

Some types of travel have specific needs or insurance requirements that you might need to cover. For example, there’s a very low risk of injury on a golf holiday, but you do have to pay for green fees, tee time reservations, golf equipment, and so on. These can get fairly expensive if you plan to do a lot of golfing. Golf travel insurance could cover those for you and save you a lot of money in the long run.

There are many different kinds of travel and many different kinds of medical conditions. When you’re travelling around the world, you might need more than one kind of cover. You need an insurance company that provides multiple kinds of cover at multiple rates.