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When travelling to the USA, travel insurance is essential. Medical
bills can run into thousands of dollars, maybe more. Even if you're
fit and healthy now, there's no knowing what's going to happen
next, whether it be illness or accident, you must be prepared for
any event and have full travel cover.
Travel insurance not only covers medical bills, but also holiday
cancellation, flight cancellation or delay, loss of luggage and
much more.
Policies vary widely, so take some time to shop around and compare,
reading all small print and making sure it's the right policy for
you.
I'd advise against buying the travel insurance that travel agents
will try to sell you with package deals, as it's often overpriced.
There are many places to buy travel insurance these days, including
off-the-shelf at supermarkets.
Wherever you buy insurance from, if you have a pre-existing medical
condition, it must be declared. Failure to do so will result in
that condition not being covered by the policy, which could mean
very expensive medical bills if you should need treatment whilst
abroad.
When you buy your policy, read through the policy documents thoroughly
to make sure the cover is adequate, any medical conditions have
been noted, and all details and dates are correct.
Medical expenses cover should be at least £2 million, and
personal liability at least £1 million. Also check the excess
amount that may apply if you make a claim. Loss of baggage in transit
may not be included in all policies, so this is something else
you should check.
If you're going away more than once in a year, look into annual
multi-trip policies, as they are often much better value. They
may even work out cheaper than single trip policies if you're going
for more than 2 weeks.
Here are some travel insurance websites to check out and
get quotes from-
Go Travel
Insurance
Single Trip From £3.95
Kids go Free!
Annual Multi Trip from £31.28
Click
here
Essential
Travel
Essential Travel - discount online travel insurance
Lloyds
TSB Insurance
Annual and single trip available.
Cover at a glance*
- Help while you're away – assistance with replacing medical
drugs, tracing lost luggage, transferring emergency funds.
- Cancellation or curtailment - up to £5,000 towards unused
travel and accommodation if you have to cancel or cut short your
holiday.
- Medical expenses - up to £5,000,000 towards emergency
medical treatment while you’re abroad and the cost of returning
home.
- Hospital benefit - £25 for each 24 hours any insured
member of your party spends in hospital abroad, up to a maximum
of £250.
- Personal accident - up to £15,000 in the event of death.
Maximum amount payable in the event of disablement or loss of
limbs or eyes is £30,000.
- Personal possessions - up to £1,500 if your baggage is
stolen, lost or damaged. Single item limit £300. Valuables
limit £300.
Click
here for information and quote
American
Express Travel Insurance
- Policies
that you can tailor to your needs.
- Excellent
cover at a competitive price for multiple trips.
- Annual
policy savings available if you travel abroad more than twice
a year.
- Cash benefits
for some of the most common claims, such as unexpected medical
problems.
- Coverage
for lost baggage or stolen money.
- Access
to our 24-hour Assistance and Information line.
- Regular
contact with knowledgeable staff until your problem is solved.
Click
here
Travel
Insurance Online
Single trip, long stay and annual cover.
Click
here
Columbus
Direct
Single and Annual trip cover available.
Click
here
Post
Office
Click here
Companies
that cover pre-existing medical conditions-
AllClear
Personal Travel Insurance
"AllClear Personal has been designed to offer complete
peace of mind to the holidaymaker who has pre-existing medical
conditions or a disability, whilst also offering standard insurance
to their family and friends.
We assess everyone individually and will offer a product to suit all needs."
Click here
Tesco
Single trip and annual cover from Tesco Finance.
Click here
JD Consultants Travel Insurance
Telephone: 01689 856 984
JD Consultants provides a friendly individual insurance
service for those travelling with any kind of disease or existing
condition. They cover all destinations and conditions with the
only exception of a terminal prognosis of less than 4 months. They
have screening health lines, which make an individual assessment
of each caller.
Leisurecare
Telephone:
01793750150
This company provides insurance for those travellers
with illness or disability travelling to EU countries under the
age of 64.
Free Spirit Travel insurance
Telephone: 0845 230 5000
www.free-spirit.com
Specialist travel insurance for people with pre-existing
medical conditions. To apply for a quotation, please telephone
Free Spirit or visit the website. You can also buy online from
this site.
If you have any insurance companies you can recommend, please
email me the details.
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