Apart from a few slight headaches and the occasional case of sunburn, most of our holidays run to plan without any untoward mishaps to spoil the fun. We have the chance to relax and enjoy some quality time with our families, as well as spending some great days out in new and interesting locations.
Just because most of our holidays have been incident free in the past, it does not mean that we should sit back without taking the correct cautionary measures when we book our next vacation in the sun.
In fact, most travel specialists highly recommend that we all have some form of medical insurance when we book tickets for our overseas vacations. Remember, in many countries, medical attention can cost a small fortune, which can easily put a serious dent in anyone’s holiday fund.
However, before you go out and buy a medical insurance package, there are a few things that that you should most definitely consider.
1. Buy Cover before Booking Your Holiday
If you buy your medical holiday insurance cover before you book your holiday, you are covered if for some reason you are ill before you leave. You can recoup the money lost if you have and accident or cannot travel due to sickness. To be fair, it is rather unlikely, but it doesn’t cost any extra, and you are covered before you leave.
2. Pre-Existing Medical Conditions
If you, or a member of your family has a pre-existing medical condition, there are a number of specialist comparison services that can help to find the right cover for you. So, if you think your first quotes from your regular insurers are a bit on the steep side, get in touch with a specialist pre-medical condition provider.
3. Policy Types
There are two basic types of medical holiday insurance policy; these are the standard single trip policy and the multi trip policy. If you plan to take more than one vacation overseas per year, the multi policy can work out considerably cheaper. If on the other hand, you are only planning one holiday during the year, the single journey policy would better suit your requirements.
4. Adventure Sports
If you enjoy taking part in adventure sporting activities on your holidays, such as climbing, scuba diving or surfing, most standard policies won’t cover you if you happen to have an accident. However, don’t let this put you off, as there are plenty of insurance providers that do. It may cost a little extra, but of course, worth every penny if you are one of the many people that enjoy the thrill of adventure sports.
5. EHIC Cover
You can apply for EHIC cover through certain National Health Service channels. This gives you a limited amount of medical cover in the EU as well as certain countries outside of the EU that have reciprocal healthcare agreements with the UK. You can check, which countries have these agreements with the UK, as well as finding out more about the actual medical cover you are entitled to by visiting the NHS website.
6. Shop Around
If you want to get the top deals on the best medical insurance packages, you will need to spend a little time browsing online. Don’t be tempted to buy the first one that is offered to you, as you may well find yourself paying well over the odds. It’s also well worth reading the small print on policies, to make sure there are no hidden charges or service restrictions.
7. Driving Abroad
If you plan to be driving on your holiday, you will need to be insured. You may be fully covered already on your existing policy or your provider may possibly charge an extra fee. Regardless of fees, you will need to take along your paperwork just in case you happen to have a slight holiday prang.
With the correct insurance policy, you will be covered for pretty much every eventuality that may occur on your annual holidays. For the small costs involved, it really is worth both the time and the effort in sourcing a good medical cover and travel package.
By Olivia Breen
Olivia writes on a freelance basis for Medical Travel Compared — travel insurance comparison site for a wide range of medical travel insurance packages in the UK.