Travel insurance at affordable premiums

Travel insurance - your frequently asked questions

Travelling, whether on business or for pleasure, can be great fun.

It can also be tiring and in some respects, risky.

That's why travel insurance exists and also why we at Bengo Travel are always happy to provide answers to your questions. Here are some of those that we more frequently encounter together with some general guidance.

Is travel insurance advisory for all destinations?

Ultimately only you can make that decision but it might be worth thinking about a few realities of life as they apply when you are travelling.

There is no reason to suppose that you will be any less likely to be taken ill or suffer an accident when travelling, as opposed to when at home. In fact, you may actually be more at risk of certain types of health problems when abroad than you would be when at home in the UK.

If you remember that you are only entitled to full free-at-point-of-service health care in the United Kingdom and may be charged for help in any other country (including the European Union) then having some form of insurance cover might appear to be highly advisable.

Is travel and health insurance the same thing?

No, travel policies typically provide a wide range of cover benefits in addition to those associated with health issues.

For example, some policies may offer protection against the collapse of the airline you are travelling with and so on.

Will a policy cover any country and all risks?

That might be unlikely.

Typically, all insurance policies of any type whatsoever will contain conditions and exclusions. These need to be read carefully.

In the case of travel cover, some policies might exclude certain geographic destinations or some types of activity, such as the participation in dangerous sports and so on.

How long will a policy's cover last for?

There are various types of policies designed to meet an individual traveller's needs.

Two generic categories of that protection include:

  • single trip cover - sometimes with specified dates and durations of overseas stay etc.;
  • annual or multiple trip cover - which may be more cost-effective in situations where you know that you will be travelling regularly in the year ahead.

Surely I am fully covered for health issues when visiting European Union countries?

Not necessarily. To begin with, that would only apply if you are a citizen of a European Union member state.

Even if you are, the prevailing legislation means that you will only be entitled to the same level of free medical care as would be provided to the citizens of the country you are visiting. (Visit http://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC/Pages/about-the-ehic.aspx for more information)

You should keep in mind that not all European countries offer the same services for free, as is the case in the United Kingdom. In other words, you may find yourself needing to pay for things that you would not need to if at home.

Remember also that if you are badly injured or seriously ill and need to be repatriated back to the United Kingdom, those costs will not be met by reciprocal agreements between the European Union member states. You might end up needing to pay for (e.g.) your own air ambulance and that would be seriously expensive.