UK Travel Health Insurance Scope and Price
UK Travel Health Insurance: Scope and Price
Travelling can be a wonderful experience, but it also comes with some risks. Accidents and illnesses can happen, and they can be expensive to treat. Travel health insurance can help to protect you financially and give you peace of mind. In this article, we’ll look at the scope and price of UK travel health insurance, so you can make an informed decision about whether it’s necessary for your next trip.
Scope
Travel health insurance covers medical expenses and emergency medical treatment when you’re travelling outside your home country. It can also cover the cost of repatriation (bringing you back home for treatment) and emergency evacuation (getting you to a hospital quickly). Policies can vary, but most travel health insurance covers:
– Emergency medical treatment, including hospitalization and surgery
– Prescription drugs and medical supplies
– Emergency dental treatment
– Pre-existing medical conditions (some policies may require you to disclose these when you buy the policy)
– Repatriation
– Emergency evacuation
Some policies may also cover non-medical expenses, such as trip cancellation or interruption, lost or stolen luggage, and trip delay. It’s important to read the policy carefully to understand what’s covered and what’s not.
Price
The price of travel health insurance depends on several factors, including:
– Your age
– Your destination
– The length of your trip
– Any pre-existing medical conditions
– The level of coverage you want
On average, a basic travel health insurance policy can cost around £5-£10 per day for an individual. However, the cost can increase if you have pre-existing medical conditions, if you’re travelling to a high-risk destination, or if you want comprehensive coverage.
It’s important to shop around and compare policies to make sure you’re getting the best deal for your needs. You can use comparison websites to compare policies and prices.
FAQs
Q: Why do I need travel health insurance?
A: Travel health insurance can protect you financially in case of unexpected medical expenses while travelling. It can also give you peace of mind, knowing that you’re covered in case of an emergency.
Q: What’s covered by travel health insurance?
A: Travel health insurance usually covers emergency medical treatment, including hospitalization and surgery, prescription drugs and medical supplies, emergency dental treatment, pre-existing medical conditions, repatriation, and emergency evacuation.
Q: How much does travel health insurance cost?
A: The price of travel health insurance depends on factors such as your age, destination, trip length, pre-existing medical conditions, and level of coverage. A basic policy can cost around £5-£10 per day, but the cost can increase for more comprehensive coverage.
Q: Do I need travel health insurance if I have a European Health Insurance Card (EHIC)?
A: The EHIC covers emergency medical treatment in the European Economic Area (EEA) and Switzerland, but it may not cover all medical costs or non-emergency treatment. Travel health insurance can provide additional coverage and may also be necessary for travel outside the EEA.
Q: When should I buy travel health insurance?
A: It’s a good idea to buy travel health insurance as soon as you book your trip. This ensures that you’re covered in case of a cancellation or unexpected medical emergency before you even start your trip.