Below are some top tips and advice when arranging your insurance before you travel:
- Make sure you have disclosed all pre-existing conditions, that they are covered and that you are aware of any terms imposed.
- Keep your insurance details with you when you travel and make a note of emergency assistance numbers.
- Acquaint yourself with details of your nearest state or public hospital upon arrival at your destination. That way you are fully prepared in the event of an emergency as these facilities can usually deal with most emergencies no matter how big or small.
- Call the travel insurer emergency assistance company before getting medical treatment if this is possible; hospital costs and treatment can be checked and payment guarantees issued once coved has been confirmed.
- Use state hospitals where you can, even if you are being urged to use a private hospital. If you have an EHIC card a state hospital should not refuse to take it.
- If you think that anything is suspicious contact the insurer. If a claim is exaggerated it might not be paid.
- You will need receipts for any items that you want to claim for later, such as medical bills or prescriptions.
The Association of British Insurers (ABI) website has a useful consumer factsheet on travel insurance which gives explanations of policy limits and tips on comparing cover. Click here for more details.