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Travel insurance terminology explained


What is the difference between ‘specialist’ and ‘standard’ travel insurance?

As a specialist travel insurance provider, Free Spirit is dedicated to providing holiday insurance for people of all ages and cover for most medical conditions and disabilities (subject to medical screening) so that you have full protection both before and during your trip. This means that if you were to cancel your holiday or fall ill abroad as a result of your medical condition(s), you would be covered. As with all policies, terms and conditions will apply, so you will need to read the policy wording carefully. Most standard policies, on the other hand, may not cover your particular existing medical condition(s), which means you may find you are not fully covered if you needed emergency treatment abroad or if you had to cancel your trip as a result of your condition(s).

What is medical screening?

Medical screening provides the insurer with all the relevant facts to make a decision on whether they can offer holiday insurance. It is used to calculate a risk score, which is determined from the questions you answer during medical screening. There will be a score for each of your medical conditions. The total score may also be affected by where you are travelling to. This is then used by the insurer to determine whether they will cover you and on what terms. All of this may sound daunting. However, you will just need to answer a series of multiple-choice questions that takes a few minutes. Some of them might seem personal, but your answers are completely confidential. It is very important that you answer the questions as accurately as you can to ensure that you are covered. If you do not answer the questions, correctly, it may affect any claim.

What does IPT mean?

Insurance Premium Tax, or IPT, is a government tax on general insurance products. Travel insurance attracts a higher rate than other general insurance products and is currently set at 20%.

What is a Policy Schedule?

This is the document that you will be issued with once you have paid for your holiday insurance. It forms part of the policy and provides details of the insured persons, type of cover purchased and travel dates. In the event of a claim, you will be required to provide the Schedule of Insurance as proof of purchase.

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