Notes

Travel Insurance - 5 Ideas to Avoid Hefty Bills Abroad
Travellers are more aware nowadays than ever before of the significance of taking out travel insurance before a vacation. Most travels will probably go smoothly, but why take a chance and risk ruining that much-needed holiday.

Various travel mishaps and problems have dominated the news in the past few years and the importance of experiencing travel insurance, in addition to understanding your rights, hasn't been more in people's minds. Here are a few ideas to consider before planning the next trip:

Tip No. 1 - Check that your travel insurance policy covers all of your planned activities

Not absolutely all activities are covered under all policies, so this is important. If you are on a package holiday and elect to take part in activities outside those included you might find they're not covered if you don't took out separate travel cover. However, beware of travel cover that seems very cheap or is offered being an incentive as the levels of cover may have been reduced - or the surplus (the amount you pay towards a claim) increased. Your travel insurance policy should include a listing of covered activities, such as for example elephant rides, scuba diving, bungee jumps, etc. Never assume that everything is automatically covered!

Tip No. 2 - Check that your policy includes adequate medical cover, liability and legal expenses

If you pick up an awful stomach bug it might potentially put you in hospital. If you trip and break a leg, or sustain a significant injury it could bring about high medical bills for medical therapy. If you cause injury to another person you could be liable and incur legal costs. If a personal injury results in medical repatriation to create you home by air ambulance the necessity for additional seats on the plane, and/or medical escort, could set you back plenty of pounds. Your consulate or the airline does not cover these costs. Someone has to pay and - without insurance - that someone is you, or your unsuspecting family or family members.

And also adequate travel and medical care insurance, always check your policy includes cover for air ambulance and medical repatriation. That is vital.

Air ambulance fees to bring you back to the united kingdom from your own holiday destination could potentially cost a lot of money alone, and up to an astounding �50,000 from the united states! If it is essential to fly you home on a stretcher with a medical escort the fees from even closer holiday destinations could be almost as financially devastating.

Tip No. 3 - Obtain a European MEDICAL HEALTH INSURANCE Card

If you live in a EU country and so are travelling within europe make an application for the free European Health Insurance Card (EHIC) and make it with you. According to the country, it entitles one to free or reduced-cost emergency treatment on a single basis as a national of this country, in a state-run facility (not private). The EHIC shouldn't be used instead of travel insurance, but can save you a lot of expense and inconvenience should you sustain an injury or become sick while travelling. It is very important realise that the EHIC will not cover anything much apart from emergency medical care. It generally does not cover repatriation to the UK or air ambulance costs. You will need travel cover to cover a range of travel problems, such as for example non-urgent health care, ongoing treatment, lost luggage, missed flights, scheduled airline failure, etc.

Tip No. 4 - RESEARCH YOUR OPTIONS!

Research shows that few people actually take time to research the local laws and customs of their destination country before they set off. Knowing of read more could save many expense and grief. For instance, are you aware your destination country's rules for a single adult travelling with a kid? Do you know which over-the-counter medicines you can and cannot legally take in to the country? Which are the basic rules of the street before driving in another country? The purchase of an excellent travel guidebook, or time spent reviewing travel advice provided online, such as for example on the Foreign Office website could help avoid becoming the victim of a scam, or being arrested or fined for violating a local law that you were not aware of.

Tip No.5 - Take note of Consulate/Embassy and Emergency Numbers

Before you travel, why not programme emergency numbers into your cellular phone and also keep a note of them together with your travel documents. Getting the number for the neighborhood emergency services programmed into your cellular phone could save amount of time in the function of a robbery or accident - and also save lives. Consider registering with the Foreign Office 'Locate' service (or your own government's equivalent) to better enable the authorities to assist you if an emergency should arise. Their assistance in contacting friends and relatives will be a very welcome lifeline if needed and save you time, frustration, and expense.

It is time to be an educated traveller, as well as a savvy one. Why not pass these tips along to your friends and family. Remind them to obtain travel cover and do all they are able to to protect themselves and avoid unnecessary and hefty bills on the travels.

Jean Andrews can be an employee of TRAVEL COVER Agencies Ltd (TIA Ltd). Jean regularly contributes informative articles about travel cover and travel related matters.
Here's my website: https://wren-larsson-2.technetbloggers.de/travel-cover-5-tips-to-avoid-hefty-bills-abroad