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Travel Insurance Tips

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You can never really tell the worth of travel insurance if something goes wrong when you are traveling. Usually this is the last thing on a traveler’s mind. However one should never underestimate its usefulness. In UK travel insurance can be a real blessing when you are thousands of miles away from your home and something unfortunate happens.

There are a large number of travelers in UK and they all take out UK travel insurance policies. The UK travel insurance companies estimate that over 10% of the travel insurance claims made are fraudulent. In such a scenario, the procedure for settlement of claims for travel insurance in UK is very strict. Hence you should be very careful in getting all the things right for settlement of your claim quickly.

Look for the small print and the cover provided before getting a policy

Not all UK travel insurance policies are the same. They all provide different levels of cover and hence it is important to find out what is covered and what is not before buying the policy.

Look for the excess that you would have to pay for any claim before the UK travel insurance company would pay you anything.
Find out the maximum amount you can claim for any individual item.
Check the level of medical cover provided.
Check if you are covered for loss or theft of cash, loss or theft of other belongings etc.
Look for what is not covered under the UK travel insurance policy.

Disclose pre-existing medical conditions if any

If you have any pre-existing medical conditions, disclose it before taking the policy as it might become the basis for rejection of your claim. If you are unsure whether to declare something or not, declare it to avoid any issues later on.

Carry a copy of your policy documents with you while traveling

This would ensure that you have a ready reference for the procedures to be followed and the people to be contacted in case of an emergency.

Document your high value items that you plan to take on the trip

It is recommended that you take photographs or receipts of the high value items that you are taking on the trip as a proof for making a claim in case of loss or theft.

Be prompt in reporting any theft or losses

If your possessions get lost or stolen, report it to the local police or travel rep in case of a package holiday immediately and get a copy of the report. In case of loss of baggage at the airport, report it and get a receipt from the airline or baggage counter immediately.