Travel Insurance Jargon Buster – don’t get caught un-insured

We’ve put together a jargon buster guide to travel insurance to help you avoid any insurance pitfalls.

This relates to any medical condition that you had before you took out the travel insurance. It is really important that all pre-existing medical conditions are declared to your insurer before taking out the cover.

If your medical history changes after taking the policy but before you travel you should make sure to contact the insurer before you travel to ensure that they will continue to cover you.

This is any pre-existing medical condition that is currently under investigation or has not yet been diagnosed. Most travel insurers not be unable to offer cover for an undiagnosed condition.

Any activity where there is an increased risk or injury to both yourself and to others will be classed as a hazardous activity. Most insurers specify activities that you will be covered for automatically however high risk activities such as winter sports cover will need to be added to the policy.

It is really important to check what activities are included before you travel.

If you fall ill or are injured and need to return home for further treatment the insurers can cover the costs of getting you home. In the event of death overseas this cover will also cover the costs of returning you home.

This is a type of travel insurance that will cover you for 12 months allowing you to take multiple holidays all covered policy. These policies will usually have a limit for the number of consecutive days you can be away for. Most policies will require a trip to either start or finish in the UK.

This will cover you if your belongings are lost, damaged or stolen, either during transit or whilst you’re on holiday.

You should check the limit on the policy to ensure that you have enough cover whilst you are away. Higher value items may need to be covered under your home insurance.

Cancellation and curtailment will cover the cost of your holiday should you need to cancel, or cut your holiday short – i.e. If you or a close member of your family falls ill and can no longer travel or you need to return home early.

Did you know that if your flight is delayed for more than 12 hours you might be eligible for compensation? With this cover the insurers will pay up to the limit shown in your schedule as compensation for the travel delay. However it is vital to keep all receipts during the delay, and take confirmation of the length of the delay from the airline.

This confirms the areas in the world that you will be covered for.

This covers you if you were to injure someone else whilst on holiday. Personal liability will cover the damages should they make a claim against you.

It is important to know exactly what you’re covered for before heading off on holiday. Here are Greenfield Insurance we are able to talk you through what is and what is not covered. We will explain what you should do in an emergency and will also help you with presenting a claim to an insurer to ensure that your claim is settled quickly and efficiently.

We are experts in travel insurance; if you need any help or advice then please call us on 01489 579808 or reply to this email with your query.