Do I need travel insurance?

Travel insurance isn’t a legal requirement but it is strongly recommended, before you travel. A key reason for having travel cover is of course, for medical care – just in case you or a family member becomes ill abroad. But it’ll also help protect you from life’s other little surprises like cancelled or delayed flights and stolen or damaged baggage. Find out more about the different types of policy on offer as well as what else you should take into account in our guide: ‘Do I need travel insurance?

What type of travel insurance cover is right for me?

Travel insurance comes in all shapes and sizes and the best one for you will depend on where you’re going, how much you’ve paid, what you’ll be doing and how long you’ll be doing it for; if you have any pre-existing medical conditions you will also need to declare these when you do a travel insurance quote. Our guide to finding the right travel insurance for you will steer you through the maze of what’s on offer so you can make the choice that’s right for you.

My child is travelling for a student exchange programme; what insurance will they need?

It depends on what activities they’ll be doing whilst on their exchange – will they be working, will they be travelling and also, how long will they be away for? The best place to start is by checking whether your child’s university or college has any insurance already in place and take it from there – find out more about the questions you need to ask in our simples guide to student exchange programme insurance.

What is a European Health Insurance Card?

Also known as an EHIC card, this little piece of plastic entitles you to the same healthcare as locals within EU countries. So that means you’ll get free or discounted medical treatment in hospitals should you need it – find out more and where you can get hold of one with our guide to the EHIC. Please be aware that treatment available varies from country to country and any treatment in a private hospital is still subject to a charge regardless of whether you have an EHIC card.

Do I need travel insurance for my family?

Insurance is always strongly recommended. Travel cover isn’t just about medical expenses (which can be costly when you’re abroad), it’s also about compensating you for lost, stolen or damaged luggage, delayed flights and cancellations. Read our ‘Do I need travel insurance for my family’ guide for the ins and outs of family travel insurance.

What’s the best student travel insurance for a young student travelling abroad?

The best one for you will depend on what you’ll be doing, how long for and where. Our guide to finding the best travel insurance when you’re a student travelling abroad gives you all the information you need to choose the best policy for you.

I have a pre-existing medical condition; how does this affect my travel insurance?

It depends on what your pre-existing condition is, but in some cases you could be charged a slightly higher premium. Tempting as it is not to, it’s important to disclose any conditions you do have – failure to do so could invalidate your policy or mean your medical expenses claim is not paid leaving you with no cover at all, regardless of whether your claim is linked to a previous condition or not. Find out about the importance of travel insurance and comparing travel insurance if you’ve got a pre-existing medical condition.

Does family travel insurance still cover us after separation?

You’ll need to check exactly what your policy states – some will only cover children (or step-children) if they live with the policy holder, so if you’re no longer all living at the same address then your existing policy may not cover you or all the children travelling with you. So if you’re not sure whether you or they are covered or not, or want to find out about what family policies are available, read our simples guide to family travel insurance after separation.

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