Holiday Insurance
March 15, 2009 by Jack
It is essential to take out an adequate holiday insurance policy.
In many countries, the cost of medical treatment in the event of illness or accident has to be met in full and can be frighteningly high. Even in most of the countries with which Britain has reciprocal arrangements for health care, at least part of the cost of treatment will have to be repaid. Insurance may also be required to cover the cost of property that is lost or damaged while on holiday, to recoup money if the trip has to be cancelled or to provide some compensation for delays. Holiday insurance is generally associated with overseas travel but is also available and should be considered for a holiday in Britain.
Although some of the problems that disabled people used to face are no longer usual, it can still be difficult to obtain a policy that meets some specific requirements. Before opting to take out the insurance policy offered by a tour operator or travel agent, check that it does not exclude people with any “pre-existing condition” that is relevant to you. You may also need to check that there is adequate cover for any equipment or other property you will be taking with you because of your disability. If the travel agent cannot fully answer your questions, contact the Insurance Company itself.
Brokers and other intermediaries offering special services for disabled people.
Inclusion does not imply any particular recommendation. Readers are advised to make their own enquiries and to used their own judgement in relation to their needs. Some policies contain conditions that at first sight may seem to exclude you; this may not be the case so speak to the company concerned. It is also important to note that your premium or excess may be higher because of your diagnosis.
Many companies arrange insurance for people with disabilities through the assistance of a ‘Medical Line’. This is a company who specialise in calculating the risk of somebody going on holiday, and they may ask you to produce a letter from your doctor confirming your fitness to travel. The assessor should be a registered Health Care Professional.
