Everyone knows that the most expedient thing to do when planning a trip abroad, or even a domestic trip in some cases, is to take out sufficient travel cover. However, the unfortunate thing is that there are some conditions which must be met in order for the insurance to cover the loss or illness and if those conditions have not been met, chances are the insurance company will not pay up.
There are times when some travel inoculations are mandatory by law and must be verified before you are granted an entry to a foreign country but there are other times when known diseases are at pandemic proportions there and health organisations advise being inoculated prior to leaving. If you have been made aware of an existing condition or disease that could have been prevented by getting the proper vaccinations and were remiss in so doing, your insurance company very well may refuse to pay for the expenses that would have otherwise been covered. The best thing to do if you are in doubt is to contact a medical facility such as the London Travel Clinic that can tell you exactly what vaccinations are required as well as those being advised for any particular destination.
Understanding Trip Cancellation Cover
The typical trip cancellation policy will cover such things as a cancelled trip or leg of the trip in the event that you or a close family member who is traveling with you as a companion should get sick, die or hurt. However, this would be excluded if that sickness was the result of not getting the proper travel inoculations. Interrupted trips are covered for the same reasons as stated above and then there is emergency medical and evacuation insurance cover. Then there is trip delay cover or lost and stolen or damaged luggage cover. In fact, there are a number of different types of loss which can be covered under a trip cancellation policy that you need to make sure that you read the small print to see what the exclusions would be. Understanding exclusion is a big part of understanding what you are going to be covered for.
In recent months everyone has been hearing more and more about something called the Zika virus that is causing so much panic amongst families who may become pregnant. This virus is typically very mild when a healthy person contracts the illness but it is known to cause significant neurological birth defects in the child born to an infected woman. To date only 29 countries have verified reported cases of the Zika virus emanating from bites of the Aedes Aegypti mosquito, but the danger is significant enough to cause concern. Why is health cover so important? Since there is no vaccination from this disease and if there have been no reported cases in the country you intend to visit, it is vital that you understand this exclusion and how to fight it if the insurer refuses to pay for an illness caused by this species of mosquitos.
The final word is that you can ensure cover on travel insurance by ascertaining that you are not falling prey to any of the exclusions. If all is in order, you can and should expect to be paid if all conditions are met.