Travel insurance at affordable premiums

What to look for in a travel insurance policy

When it comes to buying insurance, it’s important to remember that price isn’t everything. That is especially true with travel insurance. Price counts, of course, but even more important is arranging the cover that suits you, your journey and the risks you may be facing.

If you are looking for low cost travel insurance, therefore, what are some of the principal elements to check when deciding your particular, individual needs?

Medical emergencies

  • the case is made easily enough for this element of travel insurance being critical – without it, you might be faced with a bill of many thousands of pounds for the emergency care you need, medical evacuation from some remote corner of the world (or whilst at sea), and repatriation to the UK;
  • remember, though, that different travel insurance policies have different levels of cover, so you need to check the amount insured and whether is likely to meet the worst case scenario for any medical emergency in the part of the world to which you are travelling;

Pre-existing medical conditions

  • on the subject of medical cover, it is also important to take into account the insurer’s policy on cover for pre-existing medical conditions;
  • the fact is that different insurers may exclude different conditions, so if there is anything in your medical history which gives you particular cause for concern, it is prudent to check what is and what is not excluded;
  • either way, of course, the last thing you want to do is try to hide or otherwise exercise any deception about pre-existing medical conditions – to do so might invalidate your travel insurance cover;

Duration

  • any travel insurance policy has a maximum duration of cover – for a single trip, for example, you may be covered for a period of up to 31 days only and once this period has expired, you are effectively left without the cover you need;
  • if you are planning a gap year abroad, backpacking around the world, or visiting friends or relatives for an extended stay, you need to consider specialist long stay insurance – such as that arranged by Bengo Travel – which gives you the full protection of travel insurance for up to 18 months and offers a number of different options for the level of cover;

Acts of Terrorism

  • it is a sad reflection on the state of the world in which we seem to be living that terrorists might strike at practically any moment, in any place – locations which may to all intents and purposes appear entirely unexpected;
  • if you are at all worried about being caught up in any such incident, you need to bear in mind that not all travel insurance policies provide cover against such risks;
  • having chosen a policy which offers the protection you need, however, there are some parts of the world where it is clearly inadvisable to travel;
  • updated lists of such countries and regions are published by the Foreign and Commonwealth Office (FCO) – and if you insist on travelling to places against which a clear warning already exists, you risk invalidating your travel insurance.

As may be clear, therefore, choosing your travel insurance is not just a question of price, but exactly what is covered – and what is not.