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The most common risks that are covered by travel insurance are:

1. Medical expenses

Some medical expenses are not covered though but travel insurance will cover some common medical expenses such as a flu illness or stomach virus but not pre-existing chronic diseases such as tuberculosis or the like.

2. Emergency evacuation/repatriation

These are considered events that are not controlled. This means that insurances will cover this since it is something a customer can control. This is good to have when the unexpected happens in a foreign country such as a war or a natural disaster.

3. Overseas funeral expenses

In the event of unfortunate loss, having this feature comes in handy as it is hard to lose someone while traveling and to pay for it would be even worse.

4. Accidental death, injury or disablement benefit

These events that are caused by unfortunate chance are commonly covered by insurances, which is great.

5. Cancellation

In the event a plane is canceled or a hotel unfortunately cancels your reservation it is good that travel insurance will cover you so you won’t have to worry about where you’re going to stay.

6. Curtailment

7. Delayed departure

8. Loss, theft or damage to personal possessions and money (including travel documents)

9. Delayed baggage (and emergency replacement of essential items)

10. Legal assistance

11. Personal liability and rental car damage excess

12. Accidents abroad

This is also great to know that travel insurance covers. If for some reason you are in an accident it is good to not only have automobile insurance if you are wise to get it but to also have travel insurance that will also cover you for an excessive loss, meaning a car that is a complete loss.

Some travel policies will also provide cover for additional costs, although these vary widely between providers.

By: Justin R Hopley

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If you have a pre-existing condition and you want to travel it can sometimes be problematic in getting travel insurance. Insurers do not like to take calculated risks so they need to know if there is a likelihood that your condition could result in you needing medical assistance whilst you are abroad.

One such condition which is becoming increasingly common is diabetes. This can be a mild form which can be managed by diet or it could be insulin dependant diabetes where you are required to take regular injections. In either case you will need to make sure your travel insurer is aware of your condition. If you fail to notify the insurer of a diagnosed condition your insurance policy will not be valid and will not cover you if you need to make a claim.

Very often when you book a holiday with a travel agent they will often offer you a travel insurance policy. Be aware that these are often very basic policies and will be unlikely to cover all but the very standard traveller. If you have a medical condition, are going on a more exotic holiday or are an older traveller then you will more than likely need a more substantial insurance policy.

There are insurers that can provide diabetics with travel insurance for diabetics. A specialist insurer is much more likely to get you a better deal on your holiday cover and provide you with a policy that will cover you for any medical eventualities.

Every year thousands of people fly from UK airports to destinations all around the world. Some travellers may not realise that they need to make their insurer aware of any medical conditions. One of the reasons that you need to be honest is that if you do fall ill and need repatriating then the doctor who will fly over to bring you back will need to know what if any medical equipment they may need to bring.

Getting a policy does not have to be prohibitively expensive or stop you from travelling and enjoying a holiday. Insurers do have to cover themselves and therefore price policies according to the likelihood of a claim being made and the cost of such resulting claims.

Your insurer will want to know that you are as prepared as you can be for your condition. Being specialist insurers they can also advise you of things that you can do or may need to know about as a diabetic travelling abroad and provide invaluable advice.

By: Monike Tavel

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