| Travel Tips |
| 1. Take your travel insurance documents with you –
the Policy Wording gives emergency helpline telephone numbers and
provides full information on the details that will be necessary should
you need to make a claim. |
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| 2. Obtain an European Health Insurance Card. Application forms can be obtained from the Post Office or apply online at http://www.ehic.org.uk/.
This enables you to benefit from reciprocal health agreements, which
exist between European Union countries. |
| 3. Make sure all passports, visas, vaccinations and
health requirements are up-to-date and valid for the duration of your trip, and be sure to take all necessary
documents with you. |
| 4. Declare to your insurers
any medical conditions you or your travelling companions may have.
Ensure you have full cover before you accept the insurance. Remember
to declare if a close relative is seriously ill – this can affect
your cover if you have to cancel your policy. |
| 5. Ensure that your travel
insurers are aware of any hazardous activity you intend to participate
in – such as mountaineering, canoeing, bungee-jumping, marathon
running etc. These may be included automatically in the cover, or may be added if you ask, possibly for an additional premium. |
| 6. Always ensure that at least
one of your travelling companions is insured on the same policy as
you. Otherwise a sick or injured person may have to travel home alone.
Remember some travel insurance providers are willing to cover all
the party but would exclude anyone with an existing medical condition.
Take the example where Mum and Dad book a holiday for themselves and
three children. Because Dad has undergone heart surgery the travel
agents/bank policy is issued for Mum and the children only. Dad has
to arrange a separate policy. In the event of cancellation of the
holiday due to a recurrence of Dad's heart problem, the travel agents
or bank policy is unlikely to reimburse the cost of the holiday for
Mum and the Kids. In these circumstances all the party should be on
one policy – one that accepts Dad's condition. |
| 7. Take sufficient medication.
Include extra supplies and where possible always pack this in your
hand luggage. |
| 8. Check your home contents insurance. Make sure that your
more valuable items are covered whilst you are on holiday. Most travel
policies only cover individual items and have an overall limit for valuables up to a set figure, such as £200.
Take care of your belongings at all times. If you fail to take good
care, the insurers may not settle your claim. Remember any loss MUST
be reported to the local police and/or airline and a written report
obtained. Keep all documentation including tickets and receipts, as
these will be required by the insurer to substantiate your claim. |
| 9. Do not leave personal effects
unattended anywhere. |
| 10. Finally, take the right
precautions and the right insurance to ensure you are Able2Travel
with complete peace of mind. |
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