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Balancing the cost of medical travel insurance with the cover provided

Before planning a trip you probably always have that thought in the back of your mind: “What kind of travel insurance do I need for this trip – and how much will it cost me?”

If there were such a thing as a simple answer to this question, then we’d all have the same kinds of insurance policy at the same price, covering every circumstance in a generic fashion.

However – we all know life isn’t this easy.

What’s important is to make sure you are getting the right insurance for you and your circumstances, as opposed to a one-size-fits-all policy. Of course, being specialists in health and age related holiday insurance as well as medical travel insurance we can say this with confidence.

Why it’s important to shop around for the right policy not just the cheapest one

To address your needs, there are two overriding considerations you must weigh up – no matter what the cost.

The first is your overall health. Don’t convince yourself that you have fewer medical concerns that are actually present – if you have any pre-existing medical condition it is not only important to take note of them but it’s also imperative to declare them all to ensure your policy has the associated cover for it.

Senior Couple Relaxing In Hammock

Often people look at the price of the policy being a predominant factor behind decision making; however doing so without ensuring full medical cover for your existing conditions could invalidate your claim resulting in you incurring the costs.

As a tip – make sure that you read the policy carefully – or speak to an insurance specialist to make absolutely sure that your specific needs are covered.

The second thing you should consider in line with the medical aspects of travel cover are any risks associated with the destination you are travelling to.

Consider the risks of where you are travelling

Travelling to certain countries will inevitably carry more risk than others. Spain and nearby France for example are popular destinations. The health care in these developed nations is good – as is the quality of hotels, restaurants, transport and customer service – generally speaking.

Therefore you shouldn’t have too many concerns about travelling to these countries.

On the other hand, travelling to developing nations, with poor infrastructure or questionable hygiene, will inevitably put you at a greater risk of incurring a medical problem.

Ultimately your choice in destination will affect how you balance the cost of medical travel insurance with the cover provided.

Further reading

At Free Spirit, we’re acutely aware of the risks involved of purchasing cheap or low cost medical travel cover and pride ourselves on the cover we provide meeting your individual medical travel insurance needs.

Whatever your level of cover, we highly recommend that you research your travel destination thoroughly so you can plan your trip accordingly.

The Foreign Travel Advice section of the Foreign and Commonwealth Office (FCO) still remains one of the best sources of information for international health and safety risks abroad.

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