Policy Wording Explained

A holiday is the perfect opportunity to enjoy some much-needed time away from the everyday stresses of life and the last thing on anyone’s mind when they are heading abroad is; what if I have a medical emergency?

You’re all set to head to the airport, but your airline has just announced a strike is due to take place so your flight may be delayed or cancelled – not the start to your holiday you wanted. Industrial action, or strikes, can take place…

When buying travel insurance, either online or over the telephone, you will be asked about your medical history, this is usually called a medical declaration, and helps the insurer assess the risks and provide a policy with the appropriate cover.

The term curtailment is widely used within travel insurance policies and although we don’t like to think about it, sometimes the worst can happen and you may find yourself cutting short your holiday and returning home early.

You’ve got your case packed, dusted off your passport and you’re ready to head off on your dream holiday. But, the motorway is at standstill, your engine light has come on and you’ve missed your flight! What now?

People tend to overlook connecting flights. A connecting flight is taken within 12 hours of you leaving your international departure point in the UK and enables you to continue on the next stage of your trip.

Cancellation cover is one of the main reasons people take out travel insurance as no one wants to be both disappointed and out of pocket if they are unable to go on their holiday! Expenses can include, loss of accommodation.

You’ve been travelling since 3.30am, there’s no air conditioning in the airport and your suitcase is yet to make an appearance on the conveyor belt – not quite the start you were expecting to your week in paradise.

Rather than booking a holiday through a travel agent or tour operator, almost 50% of British holidaymakers are choosing to book flights, accommodation and holiday extras separately in order to get a better deal.

In our opinion there is nothing worse than reaching the departure lounge just to see the dreaded word ‘delayed’ next to your flight number – especially if it’s the early hours of the morning and you have a tired toddler to keep happy!

Understandably many holidaymakers would want to cancel their holiday if a terror attack took place in or near their chosen destination, however it is worth pointing out, travel insurance does not offer cover for ‘disinclination to travel’.

The European Health Insurance Card (EHIC) allows access to state-provided healthcare when travelling to a European Economic Area (EEA) country or Switzerland for any emergency medical treatment incurred whilst on holiday.

Similar to a car or home insurance, your travel insurance may also have an excess. An excess is the agreed amount of money you will pay towards a claim on a travel insurance policy and can be referred to as a ‘deductible’.

We have all heard horror stories of people having to re-mortgage their homes following a stay in a hospital whilst on holiday, but how do we make sure this doesn’t happen to us? Medical expenses is one of the reasons we take out travel insurance.

A week lounging in the sun sounds like the perfect holiday for some, whilst others will want nothing more than to climb mountains, sky dive out of aeroplanes and gallop along golden beaches.

A visa is an official document that allows you to legally enter a foreign country and is usually stamped or glued into your passport. There are several different types of visas, each of which allows you different rights in the host country.

In layman’s terms, force majeure means ‘superior force’ or ‘chance occurrence, unavoidable accident’. The need for force majeure cover in travel insurance became more recognised following the Ash Cloud in Iceland in 2010.