Simon Bentley
Author: Simon Bentley, Head Of Customer Interaction

Simon has over 15 years experience in the insurance industry and looks after our website, making sure our customers have the best experience possible!

Originally posted: 17th Jan 2014

Read our guide on the do's and don’ts

The purpose of travel insurance is to protect you when things don’t go to plan, but fail to mention something of importance to your insurer and you may not have the protection you think! Our list of Do’s and Don’ts are design to stop you from getting caught out.

Travel Insurance - Do’s

DO cover yourself from the day you leave the UK to the day you arrive back in the UK. 

DO purchase cover as soon as you have booked the holiday to protect against cancellation.

DO get a quote for the USA, Canada and the Caribbean before you book your trip. Travel insurance to these destinations can be more costly, especially for people with pre-existing medical conditions.

DO tell your insurer if you’re taking a cruise. Failing to do so could invalidate the policy. 

DO add your travelling companions to your policy. If you or your pre-existing medical conditions cause any trip complications they too can claim and vice versa.

DO declare if you are taking part in any activities such as skiing and snowboarding, and buy winter sports cover to protect you in case you have an accident. 

DO check the excess limit on the policy you intend to purchase. The excess is the amount you have to pay out when making a claim. You need to decide if the amount is affordable to you. 

DO tell your insurer if you’re travelling to more than one country, even if you're not stopping long. This will ensure you're covered properly for all the areas you intend on visiting. 

Travel Insurance - Don’ts

DON'T be tempted to omit vital information in the hope of saving money. It’s important to declare all your medical conditions. Failing to do so could result in a claim being refused. 

DON'T underestimate the importance of travel insurance, especially if you have pre existing medical conditions! Medical costs abroad can be very expensive. 

DON'T forget to tell your insurer about any conditions for which you are prescribed precautionary medications for, such as blood pressure, cholesterol and osteoporosis. Just because your medical conditions don’t affect you, do not assume that your insurer will not want to know. 

DON'T forget your EHIC card if you’re travelling to another EU country. It doesn’t replace travel insurance but can give access to local, non-privatised healthcare free of charge or at a reduced cost, should you need it. 

DON'T base your decision to buy travel insurance on price alone but the level of cover the policy offers. Always check the cover offered is enough to fully insure you and your trip. 

DON'T forget to check the maximum duration per trip when buying annual multi-trip policies. You don’t want to get caught out when taking long stay holidays. If the limit is not enough, consider buying single trip cover instead. 

DON'T forget to buy travel insurance. Once you take off, its too late!

Frequently Asked Questions

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!
It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.
Once you've declared all of your relevant pre-existing medical conditions we'll only show you quotes based on the conditions you have told us about.
No, we are unable to provide cover with any of your pre-existing medical conditions excluded.
If you don't travel much then a single trip cover is perfect as you can cover specific dates suited to your trip. If you have cancellation cover, you'll also benefit from this as soon as you buy your policy. If you travel 2 or more times a year, it may be cheaper for you to go for an annual trip cover. It's best to start your annual trip cover as soon as possible, as if you have cancellation cover, you'll only benefit from this from your policy start date.
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