What is travel insurance?

Exactly what is travel insurance and what does it cover?

We have different policies depending on your circumstances. Simply click the appropriate button at the bottom of the page to obtain your quotation and to book online.

Our experience has shown us that many people have expectations about travel insurance policies. When these aren’t met, usually when a claim is made but declined, there is often, understandably, a sense of disappointment, even anger.

We don’t like the thought of any of our clients experiencing this, simply because of a lack of understanding about travel insurance, so we thought we’d try to address the most common issues that arise. We hope this provides a greater understanding not only of our particular travel insurance policy but of travel insurance generally.

So, what is travel insurance?

Travel insurance is an insurance policy sold on the basis of trust between the purchaser and insurer. This means that a policy is sold on the basis of what is understood to be someone’s situation at the time of taking out the policy. This understanding is based on what is declared or not when taking out the policy.

If an insurer needs you to declare certain situations, they will say so at the time of booking. An example of this would be if you have a pre-existing medical condition.

If a claim is made and, during investigation, it’s found that the client’s situation was not as declared, there is a risk that it will be declined. This can have very serious consequences if the claim is medical because bills can quickly run into thousands of pounds – many thousands if an air ambulance is require.

What’s covered and what isn’t?

No one likes to read policy wordings but how else is an insurer able to get across exactly what’s covered by their policy and what’s not? No travel insurance policy is going to agree to cover every possible situation. If they did, premiums would become incredibly expensive for everyone in order for there to be enough money available to meet all the claims!

Every policy has exclusions – either specific and that apply to a particular part of the policy eg medical, delay, cancellation etc or general exclusions that apply to every section.

These are the kind of things that generally aren’t covered by travel insurance:

It’s therefore important to read the policy wording to check what the policy is covering you for.

Why take out travel insurance if you have a European Health Insurance Card (an EHIC)?

A European Health Insurance Card merely puts you in the same position as an insured person in the country you’re visiting. It doesn’t necessarily mean that any treatment or medication you need will be free.The EHIC covers you only for medical treatment. It won’t cover you for things like:

It's therefore adviseable to take out adequate travel insurance to meet your needs when you travel and we hope you choose us to provide you with your policy.