3. Pre-existing medical conditions
Insurers will ask you questions about your health before you take out any travel insurance policy. Make sure to answer these questions honestly and remember to declare any conditions you have had, even though this may push the price of a policy up.
If it is found that you have withheld any information, your policy can be deemed invalid and any claims can be turned down. If you make a claim due to medical reasons, your insurer has the right to request access to your medical records.
In terms of Covid-19 pandemic, if you have ever been diagnosed with Covid-19, you had better disclose this as a medical condition. Whether this is counted as a pre-existing condition will vary between different insurers. Therefore, you need to talk to your insurance company to double check.
4. Your levels of cover
In addition to looking at what your policy covers you for, you should also pay attention to how much you will be able to claim back for items, including medical expenses, cancellation, as well as lost possessions.
This varies between different travel insurance providers. In fact, many insurance companies offer policies with different levels of coverage – commonly named bronze, silver, and gold, or something like that.
It may be worth paying a few more for extra cover in order to have peace of mind in case something goes wrong. For instance, on its bronze policy, AXA will cover customers for up to £1,500 for personal belongings and money and this increases to £2,000 under its silver policy and £2,500 under its gold policy.
Compare levels of cover carefully for: medical expenses, lost or stolen cash, lost baggage, personal liability, cancellation, and delays.
Moreover, ensure to also look at the excess amounts on your policy, or the agreed amount of money that you will pay in the event of a claim.