Your travel insurance guide

Travel insurance is a travel necessity as medical costs abroad can be very high indeed, and in the case of an emergency, you want access to the best treatment possible. Here we look at some tips to follow when you are looking for health cover for a trip abroad.

When considering travel insurance, you not only need to look at the amount of medical cover that may need to be provided for, but also at the costs that may be incurred when a family member needs to stay while you are receiving treatment, and the costs incurred by repatriation. The amount of cover you need to take out depends on your chosen destination. Some countries have much better healthcare than others and so you may need repatriation from one, while being able to safely receive treatment in another.

Generally speaking, the recommended policy amount for a European holiday is around 1m GBP. For travel outwith the European Economic Area, a policy of 2m GBP is recommended.

For this reason, countries within the European Economic Area will require less insurance cover than countries outside of the EEA. As a general rule, a policy of 1 million GBP is recommended for travel within the EEA and 2 million GBP for travel without.

The UK has mutual medical care agreements with many countries, especially within the EEA. However, these agreements do not mean that all of your expenses will be covered and so additional travel insurance cover is always recommended.

Those who have any current medical conditions should also always let their insurer know about this before purchasing a policy. If you do not declare an existing condition, then your cover may be null and void when you come to need it.

One last tip is to take a look at what travel insurance you may already be covered for. Check your private health care policy, if applicable, as your policy may include some holiday health cover already.

For great deals on travel insurance at competitive prices and top quality cover visit Go Travel Insurance.