Many Britons do not invest in travel insurance. Save yourself from being caught out – get travel insurance to fully cover yourself in the unfortunate event of needing it.
If you have any on-going or pre-existing conditions such as epilepsy, you will not be covered for charges for events related to this illness, such as an epileptic fit. In the event of a cancellation of the holiday, you will probably not be entitled to any compensation. If you have a family disaster and don’t go on holiday, you will still have to pay the insurance, which may make your time even worse.
Injuries gained whilst partaking in “dangerous” sports on holiday are often not covered by many insurance companies, but you will have to contact your insurance company to see which sports they class as dangerous.
In addition to there being a limit on what you can claim for, there may also be a limit on how much you can claim for any particular incident, and you also may have to pay an excess charge of 50 for each case of claim. Some policies have a limit as low as 300 as the maximum that can be claimed for a single item. However, if taken out with “all risks” insurance, these types of valuables will be covered on a household contents policy.
People not declaring their pre-existing medical conditions, and therefore being disappointed are the major reason for complaints to the Finance Ombudsman, who state that one in eight complaints are in reference to travel insurance. Unfortunately, there is often nothing that can be done, leaving disgruntled travellers with both insurance and large medical bills to pay.
Jeremy Browne, Minister of the Foreign and Commonwealth Office (FCO) said “Helping out Britons is our job, but we can’t get you out of jail or pay your hospital bills”. Many Britons would not have these problems if they have adequate travel insurance in place before they leave. Mr. Browne suggests people prepare properly for their trips and emphasises the importance of arranging appropriate travel insurance.
To get all the work done with no hassle, use a business insurance broker. Home Insurance travel insurance You would be surprised by the number of Britons travelling abroad without adequate travel insurance in place. Many Britons do not invest in travel insurance.