Top tips from our health expert
Buying travel insurance
Travel insurance is a necessity for holidays both home and abroad, but deciding on who to book with can prove a daunting experience. Dr Laurence Gerlis, health advisor with the Holiday Extras Expert Panel, offers an overview of key factors holidaymakers should consider when booking travel insurance.
• Have you declared all your previous and current illnesses? You may find that any claim could easily be invalidated if the insurance company can claim that it is linked to a non-declared previous condition.
• Check the age criteria. You may think you are insured only to find certain age groups are excluded.
• Some policies contain many exclusions such as skiing or dangerous activities.
• Some policies only cover medical costs incurred in certain countries with the exclusion of others.
• You may find that the policy only covers costs until you reach the UK. From there, you may not be covered and are reliant on the NHS.
• Do not assume that you're covered if someone else in your party falls ill and you have to cancel. This may be very limited.
• Similarly, do not assume that you're covered if a relative at home is ill and you have to cancel or curtail.
Holiday Extras offers a wide range of insurance policies to meet all requirements and budgets. Visit our travel insurance page and book your cover today.