Watch the small print when buying travel insurance says PJ Hayman Travel Daily News International
1. No cover for pre-existing medical conditions - Some cheaper policies provide no cover if the individual (or anyone who has an effect on their travel plans) has a pre-existing medical condition which results in a claim, for example, cancellation or medical expenses due to a recurrence of a heart condition.
2. Policies with very specific exclusions – Some insurers, in an attempt to get premiums to the absolute lowest level, use a strategy of harsh exclusions which inevitably trap people at the claims stage. Examples include very strict interpretation of unattended personal effects, valuables and money as well as a requirement to get a written police report, even though these are often difficult to get in many countries.
3. Selling policies with low levels of cover - Budget covers often have very low limits for elements such as baggage, money and delay – indeed some do not even cover these sections.
4. Selling policies with very high excesses - The higher the policy excess the lower the premium can be. This is not always obvious with travel insurance until a medical claim is made and the customer finds most, if not all, of their claim falls within the excess. There are now policies on the market with medical excesses as high as £400.
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