When we’re talking about the things to remember with travel insurance, the most important one is to get it in the first place. It’s very easy to overlook this essential if you’re planning a trip yourself in your caravan or motorhome.
Apart from that fundamental, Quotezone.co.uk has put together a checklist of other areas not to overlook when it comes to travel insurance. These are particularly pertinent in a post-pandemic world.
Helen Rolph, an expert at the insurance comparison site, said: “The pandemic has shown us how quickly travel plans can change and has made many of us nervous to travel.
“That’s why it’s important to protect yourself against trip cancellations or interruptions. It can be devastating to miss out on a holiday, so it’s important to ensure that you don’t lose out or lose your money.”
Get a policy that covers Covid
Cancelling campsites, ferries or Eurotunnel all adds up if you haven’t got an insurance policy that covers Covid and you or your fellow travellers contract the virus. Check the Covid-related coverage, exclusions and limitations of your travel insurance policy before purchasing it.
Keep documentation safe
Medical records, receipts and notices of cancellations may all be required if you’re making a claim on your insurance. Create a dedicated place to put all these things, like a large envelope or folder so none of them can go missing.
Don’t forget your GHIC
Now that we’re out of the UK, the EHIC has been replaced with the Global Health Insurance Card (GHIC) for Brits. You’ll need it to access state-provided health care in Europe at a reduced cost or for free. Failure to produce it can mean being charged large sums for medical attention.
Don’t overlook pre-existing conditions
Declaring your full medical history is vital to ensure your travel insurance is valid and you’ll be able to claim if necessary. Some policies may not cover certain conditions so you may need to shop around, but never lie in your disclosure.
Don’t leave it until the last minute
As soon as you start booking your trip you should secure your travel insurance. We live in uncertain times and this will make sure you’re covered from the beginning. It also means you won’t be rushing the answers to medical questions.
Check the FCO advisories
Always check the Foreign and Commonwealth Office’s (FCO) travel advisories before heading off abroad in your caravan or motorhome. Failure to do so can mean you can’t claim, as insurers won’t pay out if the official advice was not to travel to that destination in the first place.
Photo credit: Unsplash/Tom Rits