Plan Before You Go Abroad
Most of us love to travel once in a while. A change of scenery is just as relaxing as a rest and you get to do both things at the same time! If you have a pre-existing condition however, it takes more planning to get away.
You need to know that you will be able to obtain travel insurance with medical conditions and before you decide where to go this has got to be the first consideration before you take yourself off to warmer climes.
Obviously, there is a greater chance that you could fall ill whilst away and insurers are now much more understanding that because you are ill, it does not follow that you just want to stay at home.
Because the risk of you falling ill is greater your cover may cost you a little more than if you were healthy and not on any medication. Even so, the difference in price is not so great that it is unaffordable to be insured. Just think of the peace of mind you will feel when setting off for your holiday destination.
When you have your insurance in place, you will obviously have to plan more carefully before you go away. You may need a carer and if so, you should have him or her included in your policy. The reason for this is that if you should fall ill and cannot travel, your carer will have to stay behind too.
Secondly you will have to make sure that you take enough medication with you to last the entire time you are away and beyond. Medication abroad may not be the same or perhaps not available where you are going.
Of course, your insurer needs to know all about your condition and it will be to your benefit to be honest and open about all aspects of your illness. You will be asked some uncomfortable and personal questions but be as truthful as you can.
You do not want to end up in hospital abroad and find that your insurer will not cover the expenses.
If you need more information about travel insurance with medical conditions please visit us at itssoeasytravelinsurance
Medical Travel Insurance Buying Guide
You can buy a budget holiday; you can buy your holiday clothes from Primark, but if there's one thing you shouldn’t do, it’s buy budget travel insurance. It is important that you buy travel insurance with the correct level of cover. Without it, you can amount debts that are, seemingly, unsurmountable. Don’t worry, it’s quite easy to make the right decisions when buying travel insurance, you just need to know what to look for.
- Medical travel insurance: if you have a pre-existing medical condition, it’s always better to declare it and pay a bit extra for medical travel insurance, than to leave it undeclared and unable to make a claim. People assume that medical travel insurance covers you only for that condition, but actually, it’s more complex. If you fall ill or have an accident, and there’s even the slightest possibility that your condition caused the event – whether you think it did or didn’t – they will not pay out if you did not pay for additional cover. Declare medical conditions to your insurers!
- Don’t double insurer yourself: sometimes, you might have insurance cover without realising it. For example, some credit cards come with travel insurance, so too do certain home insurance policies. We’re not sure on the rules, but it’s unlikely that you’re able to claim twice. In fact, there may be laws that prevent you from buying more than one insurance policy at a time, although it’s unlikely because it can happen by accident. Make sure you check your existing policies for both credit cards and insurance, because you may find you're already insured. It’s just an added expense that you don’t need to make.
- The best insurance policies are made to measure: many insurance policies are ‘one-size fits all’. These tend to be the policies that you find on comparison websites. It’s much better to speak to your insurer so that you can tailor the policy to your exact requirements. This means that you receive the correct level of cover, and that the correct eventualities are insured against.
For instance, a ‘one-size fits all’ might insure you against shark bites, but if you're travelling to the Alps, that’s unlikely to happen. What could happen is an avalanche, but the generic insurance policy may not cover you for this. It is much better to speak with an insurance specialist to get the right cover. This becomes increasingly important if you're travelling to countries with a complex climate or history, or you’re going to undertake activities that are relatively rare.
Don’t buy the policy from your tour operator: there’s no other reason for saying this than the cost. These policies will cost far more than policies that you buy from a third-party insurer. Furthermore, the tour operators sell the ‘one-size fits all’ model insurance policies, so you’re unlikely to receive adequate cover. So, for less money, you can buy a better policy elsewhere. Remember that these tour operators earn commission on every policy they sell, so they’ll always be a premium added to their policies.
Travel Insurance Facts To Consider If You Are Ill
You should start looking for holiday travel insurance for people with cancer as soon as possible if you want to take a trip. People with this condition will find it more challenging to find an insurer for obvious reasons. If you do not live in the UK then you should also have a look at non UK resident travel insurance.
Generally it all depends on the prognosis. If you are terminally ill it depends entirely on whether you are expected to survive for at least six months for companies to offer cover. Another consideration is where you want to go on holiday.
Different companies have different criteria. Some of them will cover you even if you have secondary cancers and others will not. This is the reason you ought to look for insurance first and then book your trip.
Insurance is all about protecting your bank balance if something should go wrong. It may be that you need emergency care which can be very expensive in certain countries. You could also be the victim of a burglary or lose your luggage. Of course, these are inconveniences, but health protection is the most important aspect if you are ill.
A way to minimise the cost of the cover, you will also be able to pick and choose the things in your policy that are important for you to insure. You may not care about winter or any other dangerous sport cover for instance.
If you suffer from cancer you can expect your insurer to ask you sometimes some very personal questions. You should be as truthful as possible and not omit to mention any aspect of your particular illness. This will avoid your insurers declining to pay for emergency care you may need.
Companies weigh up the pros and cons of the likelihood of you needing treatment and the price of the policy is based on that calculation.
If you should make a trip with a carer you should make sure that he or she is on your policy. This is so that they are insured in the event of hospitalisation when they will have to stay with you.
If you need any more information about holiday travel insurance for people with cancer and non UK resident travel insurance, please visit itssoeasytravelinsurance
Holiday Insurance For Cancer Patients May Not Be A Problem
It can be difficult to obtain holiday travel insurance for people with cancer but there are several companies that will consider you. Most of these you will find online, but if you have difficulty you could consult cancer charities who can point you in the right direction.
It is advisable that if you want to plan a trip that you look for insurers first to avoid disappointment. You need to realise that if you travel to the United States or the Caribbean medical costs are very high and that may be reflected in the price of your policy.
This insurance will give you peace of mind and security if anything goes wrong. You may lose your luggage, need medical assistance or if you have to cancel your holiday due to treatment in the United Kingdom.
Unfortunately, the greater the risk for the insurance company the more you will have to pay for your travel cover. Insurance companies work on percentages of the risk that you will have to make a claim and, of course, with cancer the risk is greater than most. Your age will also come into it, although some insurance companies do not have an age limit.
If you should need a carer to go with you it makes sense that they take out an insurance policy with the same provider as you. The reason for this is that if they have to stay behind on holiday because you are in hospital, they will be covered. If they had different insurers that company may not look at it compassionately.
If you take out travel insurance if you are a cancer patient, you may have to pay a premium. This is to say you may have to pay the first couple of hundred Pounds yourself before the insurance takes over.
For any insurance in these circumstances, the insurance company will ask you some personal questions relating to your cancer which you may find upsetting.
If you are looking for travel insurance for people with cancer you may find a suitable policy at itssoeasytravelinsurance
Travel Insurance: Should you Buy It?
There’s an age-old adage used by seasoned travellers throughout the world (although, to be fair, they translate it into their own languages!), and it goes a little something like this: ‘You can’t afford insurance? You can’t afford to travel’. So, in answer to the title of this blog, ‘yes’, you certainly do need to buy travel insurance if you are travelling abroad. Here are a few of the things that you might not be aware of, but which is important to know:
1. If you don’t buy travel insurance, you may unwittingly be saddling your family with future debt. This is a horrible thing to think about, but if you die abroad – and it does happen – your insurance will cover the cost of having your body shipped back to the UK. Without insurance, your family/spouse/etc. will have to foot the bill, and it can be very expensive because it’s a situation that is covered with red tape in many countries in the world.
2. Unexpected things happen. Many people don’t take out insurance because they figure they’ve never needed it before, so they won’t need it now. While this might well be true, it might well be false too, and if it turns out to be false, you will often have far steeper bills to pay than a simple insurance premium. For example, imagine you travel to America, you stub your toe, and it fractures. This seems like a small issue – 2 hours in hospital max. However, it will cost you $500 alone for the emergency room visit! Then you’d have an additional bill of ~$250 to fix a simple fracture. A broken toe may require surgery, and then you’re looking at a minimum of $2000! Travel insurance costs on average £170 for a two-week holiday for two adults to the USA (top levels of cover). As you can appreciate, the risk involved with travelling without insurance far outweighs the benefits of traveling with insurance, so it’s a no brainer: insurance all the way.
3. People steal your stuff! Argh, when you’re a tourist you tend to stand out from the crowd. In some respects, this is great: the locals come over to talk to you, people are super nice, they like to tell you the best places to visit, etc. However, there is a darker side to standing out: it makes you a target for thieves. If you've done a lot of travelling, then it’s likely that you have been a victim of theft. Stolen wallets, passports and bags, are commonplace, and it can cost a lot of money to get things straight and in order. Stolen passports are one of the biggest inconveniences, because it takes a lot of time to sort out and it’s hard to prove your identity. Again, insurance will cover you in such instances – they’ll do the hard work for you.
