We have pulled together the most frequently asked questions we have been asked over the past few months, if you can not find an answer to your question here, please contact us :
I have run through a quote and want to make a change, what do I need to do?
You need give our UK based Call Centre a call on 0845 2307159.
I would like to check I have completed the quote correctly on line, what is the best course of action?
Give our UK based Call Centre a call on 0845 2307 159 and quote any reference numbers you have or give your surname.
Who are Insurancewith?
In most cases the insurance company will review its previous claims experience and then use this as the basis of its criteria to determine what risks they are prepared to cover. If you are turned down for insurance this may mean that they are not able to consider your case in sufficient detail to differentiate between you and others with the same diagnosis but at a different stage of treatment. By fully understanding the condition Insurance with is able to differentiate.
When a patient asks his/her doctor the question “is it ok for me to go on holiday”, his/her GP typically weighs up the pros and cons in relation to the patient’s existing state of health, for example:
Is a flight in a plane or a cruise or a long coach trip going to make him/her worse than he/she is already? Is he/she going to be miles away from adequate medical facilities? Is the risk of acute illness requiring treatment more likely on holiday than at home? What the insurance company really need to know is: What is the statistical likelihood of this person needing to see a doctor or receive any treatment between the date they buy the policy and the date they return home?
This is because the insurer is ‘on risk’ for cancellation of the holiday, not just the risks associated with medical treatment abroad. In practice, on most travel insurance schemes, at least 60% of the monies paid out is for refund or cancellation fees.
This is due to the huge difference in cost of medical treatment, and attitudes in North America compared to Europe. In the UK we tend to take a more common sense approach so that someone who gets a bump on the head after tripping up will call their GP and once it is established they are not suffering from concussion, vomiting, seeing double or bleeding profusely, be told in all probability to take a couple of pain killers and lie down in a darkened room for a bit. The same incident in the US will lead to X-rays, brain scans, possible admission for 24 hours and the opinion of a consultant – all of which will cost your insurer several thousands of dollars. Doctors in the US are scared of being sued for medical malpractice to the extent that they refuse to leave anything to chance. They are also unable to distinguish between a travel policy and a US private medical policy, so will assess the amount of medical expenses based on the maximum cover provided in your policy. If your policy has a maximum cover of $5m, they will look to spend
No we also offer travel insurance cover for the majority of medical conditions and combinations of medical conditions for example asthma, diabetes, high cholesterol, high blood pressure and the like.
What happens if I become ill after taking out the insurance?
The cover under the cancellation section of the policy begins as soon as the premium is paid (unless the cover is excluded) so you can ask your doctor to confirm that you are unfit to take the planned trip and submit a claim in the usual way.
The situation is less clear-cut when you still wish to travel as booked. No-one is covered to travel:
a) against the advice of their doctor
b) in the knowledge that they may need treatment while they are away
c) if they have been given a terminal prognosis
d) if they are under investigation, awaiting or receiving hospital treatment or test results (unless already agreed under the policy)
These are specific conditions and exclusions in the main body of the insurance contract and are quite separate matters from those raised by the screening procedure.
1. If you have already paid the final balance and none of the above apply then you should contact the underwriters to discuss the situation and the possible risks attached to travel to ensure you are fully covered.
2. If the final balance has yet to be paid then you should only pay if you are reasonably certain that there is no likelihood of a subsequent cancellation due to the new health condition. If the likelihood of a cancellation claim is significant then it is not reasonable to increase the exposure of the insurers to the risk by paying further monies as these will not be recoverable.
3. The insured is duty bound to act at all times “as if uninsured”, in other words to be as careful with insurers monies as he/she would be with their own. Our advice therefore, is that in order to avoid misunderstandings in these circumstances, you should discuss all the facts with underwriters so that a course of action can be agreed and any consequences fully explained both verbally and in writing.
When someone is taken ill abroad, there are a range of additional expenses which are a consequence of the incident. Some of these are covered under a policy of insurance, such as the cost of accommodation for someone to stay with the ill person or the cost of a new air ticket home. There may also be expenses which are not recoverable under this policy. These include taxi fares for hospital visitors, additional kennelling for pets, additional car parking costs at the UK airport, loss of earnings and so forth. Insurers do have to draw the line somewhere in order to keep premiums affordable so most travel policies will cover the major expenses and those which are essential to the health and well being of the sick person, but will not always include those peripheral costs which would have been payable anyway had the same incident occurred in the UK. However the policy does not cover all the costs associated with such an event, it only covers those which are set out in the various sections of the cover and for which a premium had been paid.