Travel insurance – why it’s so important and how to make a claim and be with the leader in travel sphere the Prompt Bus Charters while traveling in US with competitive rated tour package

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The point is that tour is for enjoyment and at the same time it should also be kept in mind that any sort of Illness, injury, accident and misfortune can make you unfit and your travel plan will spoil in no time as well.

No need to say that illness to the extent of needing urgent medical attention when on holiday can be a frightening experience as well.

Despite the many cautionary real life stories of illness and injury that emerge each and The Association of British Insurers has revealed that last year its members paid out £365 million – that’s £1 million every day – to ‘494,000 individuals and families who needed help’ when they were abroad.

The point is that  “Medical treatment in foreign countries can cost tens of thousands, which is why it’s essential to have a travel insurance policy that will cover you should you need it.”

Still the fact is that many travelers  don’t have travel insurance – and even those who take out a policy run the risk of invalidating their policy by failing to declare, according to research.



What the research says…

One in 10 – some 12 per cent – of Brits with a pre-existing medical condition gamble with their policy by not declaring their condition.



Analysis found that 45% of holidaymakers have a pre-existing condition but not all comply, leaving 1.8 million people at risk of invalidating their policies – and exposing themselves to potential bills of £3,500 if they need to make a claim while away.

The point is that you should  be careful in having right travel insurance policy in place and it’s important to make sure you’ve declared everything, including any medical conditions – even if your insurer hasn’t asked you specifically whether you have one.

The point is that if you don’t tell your insurer, your policy will be invalid and you won’t be covered if you have an accident or fall ill while abroad. For example, if you suffered a heart attack but hadn’t declared a pre-existing condition and the fact you’re on medication, you might have to pay your own medical bills and repatriation costs, which could potentially run into tens of thousands of pounds for those travelling to Europe, or hundreds of thousands for longer-haul trips.
Declaring a pre-existing condition, then, is of the utmost importance when taking out a travel insurance policy, and having cover is absolutely, unequivocally vital – particularly if you’re travelling with young children or older family members, or planning a skiing or snowboarding trip.

First of all, you must make sure you have all relevant documents with you – the travel insurance document itself, including the policy number, and an emergency contact telephone number. It’s a good idea to double check the number before travelling – you don’t want to mistake an office hours contact number for an emergency contact; you should have a 24-hour helpline so that you can reach someone at whatever time of day.

If you’re travelling within Europe, you should also have an EHIC – a European Health Insurance Card. This gives any holder the right to access state-provided healthcare while staying in another European Economic Area, which covers all the EU countries – still the UK, for now – plus Switzerland, Iceland, Norway and Liechtenstein.

Essentially treatment should be made available in the same way it would to a permanent resident of that particular country.

Provide details of the incident, and recount what has happened in as much detail as you can recall. It might be useful to make a few notes before initiating the conversation so that you have as much information as possible.

You may be faced with an emergency situation, and that could mean you don’t have the time to get treatment effectively signed off by the insurer first. If this is the case, you might have to pay up front for the treatment and then claim these costs back later from your insurer.



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