Travel insurance provides cover for medical expenses, personal belongings, cancellation, delayed or missed departures, and other covers. Having the correct insurance, tailored to your travel plans, is vital to ensure peace of mind should you need help.
Travel insurance is available for a few pounds on the web, but can include many exclusions and limitations. Choosing Alan Boswell Group means you get personal and independent advice on what you do and don’t need. We are able to select from a variety of travel insurance products and aren’t tied to any specific insurer. We’ll take the time to understand your needs ensuring all your risks are covered whether traveling for business or pleasure.
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It is always worth discussing your requirements with an expert as your travel insurance will be influenced by a number of key considerations including: number of travellers, location, activities planned, and purpose of trip e.g. holiday or business.
Options available when purchasing travel insurance include:
Adding this to your policy provides greater cover for your activities and associated risks:
Many sports, such as scuba diving, white-water rafting, and skydiving, may be excluded from your insurance policy given the additional injury risk they carry. Please call to speak to a holiday insurance specialist to make sure you’re covered.
It is important to note any Foreign and Commonwealth Office (FCO) advice on destinations as most travel insurance policies will have exclusions for cover if the FCO advises against travel to that country.
Medical costs and litigation costs also vary drastically in USA and Canada and it is important you have a policy that includes these destinations if they form part of your plans.
It is vitally important that you declare any pre-existing medical conditions (PEMC), no matter how minor, when purchasing a policy.
The FCA estimates there to be up to 14.1 million consumers with a PEMC that look to purchase travel insurance each year. Of these consumers, approximately 0.7% were declined cover, and 11% purchased a policy with an exclusion for their PEMC.
The Money and Pensions Service (MaPS) has launched a travel insurance directory for people with serious pre-existing medical conditions to help them find suitable insurance cover if we’re not able to help.
The contact details for the directory is as follows:
Customer Contact Centre: 0800 138 7777 (Monday to Friday, 8am – 6pm)
Email: [email protected]
No, once you have begun your trip you are generally unable to take out a policy, however there may be exceptions, such as traveling to an airport, where you will be able to take out your policy before boarding your transport.
This will vary from product to product, in most circumstances you will not be able to, but there may be instances where you can for an additional fee. If your plans are flexible and may change then an annual policy is often the better option for you as it will give you wider and longer cover.
We would always advise that you plan your trip, and any activities, in advance to ensure your holiday insurance is appropriate. If a change is possible there will likely be additional costs involved. Any changes will exclude any pre-existing incidents.
There will be various limits and excesses for each product and your experienced adviser will talk you through these before making a purchase. Inevitably, cheaper products will have higher excesses and lower limits and it is worth considering if you could afford to pay a higher excess should a claim occur.
This depends on the medical condition. Some insurance products will completely exclude any pre-existing conditions no matter how minor and some products will cover even the most serious medical conditions. Failure to declare any medical conditions no matter how trivial could result in significant issues should a medical issue occur while on your travels and the condition has not been declared.