When it comes to arranging a foreign holiday, travel insurance is a must. Anyone who has fallen ill or had an accident abroad will know that healthcare costs for travellers can be astronomical, and that travel insurance can be a life saver.
It is not just the cost of medical treatment itself that you may have to pay for. Many travellers fail to include the possible costs of repatriation, or for the accommodation and travel needs of visiting relatives.
Most European countries now have arrangements with the UK government allowing UK visitors free or low-cost medical treatment during their visits. You should be aware however that this does not cover all treatment, which must be state-provided, and that travel insurance should always be obtained.
For this reason, countries within the European Economic Area will require less insurance cover than countries outside of the EEA. As a general rule, a policy of 1 million GBP is recommended for travel within the EEA and 2 million GBP for travel without.
When choosing an insurance policy, make sure to look for a policy that covers twenty-four hour emergency service. Some insurers will not cover you for emergencies outside of working hours, so look out or this exclusion.
For added peace of mind, you should always carry the phone number of your insurance provider with you and your insurance reference number. You should also make sure that you take out a policy that gives 24-hour emergency cover.
Before purchasing any travel insurance, it is advisable to check any existing medical policies or credit card policies, as both can include some level of travel health insurance too.
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