There are a huge array of travel insurance policies available from many different providers, all offering varying types of cover. However, it’s important to separate fact from fiction, to make sure you’re fully covered when you’re travelling.
Here are some of the most common travel insurance myths to consider before purchasing your travel insurance.
Myth 1 – All travel insurance policies are the same
It’s easy to assume that you’re automatically covered for all possible mishaps, but unfortunately this isn’t always the case. Different policies offer different benefits, depending upon your requirements. For instance, factors like the type of holiday, the destination, and if you have any pre-existing medical conditions can all make a difference. So, make sure you read the small print to ensure you’re fully covered.
Myth 2 – My EHIC card will cover me for all European travel
While a European Health Insurance Card (EHIC) can provide you with free or reduced-cost medical healthcare across Europe, plus Iceland, Liechtenstein, Norway and Switzerland, it isn’t an alternative to travel insurance. It doesn’t cover any private medical healthcare or costs, being flown back to the UK, or lost or stolen property. And neither will it cover delays, cancellations or 24-hour emergency assistance.
Myth 3 – If I don’t declare a pre-existing medical condition, my travel insurance will be cheaper
While it’s true that not declaring a pre-existing medical condition on your policy could save you a few pounds initially, it could cost you far more in the long run. Withholding details of your medical history may mean you are not fully covered and result in expensive medical bills. If you unfortunately need to cancel your trip due to your medical condition, you will not be reimbursed for your costs. If you mislead your insurer and fail to declare a pre-existing medical condition, it could lead to your travel insurance policy being void, leaving you with no cover whatsoever,
Myth 4 – I won’t qualify for travel insurance because of my age or health
Although some insurance providers may have strict conditions, there are several providers who don’t have restrictions due to age or a wide range of pre-existing medical conditions, such as Fish Insurance. Our specially designed travel insurance policies are available for people of any age* and covers a huge range of medical conditions such as a stroke, epilepsy, cancers, high blood pressure, diabetes, angina and other heart complaints.
Myth 5 – Cheap travel insurance is the best option
Often, cheaper policies don’t provide the amount of cover you may want in case of cancellation or lost luggage, or the level of specialist protection required for travellers with disabilities and pre-existing medical conditions. Always check the level of excess you may need to pay before you commit as sometimes cheaper policies may include a higher excess. And importantly, make sure to read the small print and ensure you’re fully covered to suit your needs, so you can relax and enjoy your trip.
Make sure you’re covered
It’s essential to know what your travel insurance covers you for before you go away. At Fish Insurance we have a range of policies suitable for people of any age, including specific benefits to cater for the needs of people with disabilities and pre-existing medical conditions.
We pride ourselves in offering affordable travel insurance and if you apply online we can offer up to 15 per cent discount. So click here or contact the team at Fish Insurance on 0333 331 3770 to get a quote today.
*Applies to Fish Plus One and Fish Plus Two policies only