Travel Insurance

Core cover concerns emergency medical expenses under the policy. Baggage, cancellation, sports and pre-existing conditions may require extensions. Check the schedule, limits, deductibles and exclusions.

Generally, pre-existing conditions are not covered or only partially covered. You must disclose existing medical conditions when purchasing. Some policies offer extensions for existing conditions for an additional fee.

Arrange insurance before departure, ideally when booking. Cancellation cover is not automatic: check that the relevant extension was purchased, when it starts and which reasons qualify. Buying while already abroad requires a separate eligibility check with the insurer.

In a medical emergency, contact local emergency services immediately. Contact the insurer’s assistance centre as soon as possible for guidance and coordination, and keep medical records and receipts. Do not delay urgent care while waiting for an agent or claim approval.

Disclose the hospitalization and medical condition in the health declaration. The insurer may request documents, offer an extension or special terms, or decline cover. Confirm coverage and exclusions in writing; a doctor’s fitness-to-fly approval is not insurance approval.

There is no single family price. A quote needs each traveller’s age, dates, destination, medical information and activities. Compare quotes for the same people and cover, including baggage, cancellation, deductibles and any sports extension.

Check the specific benefit: activation, insured people, days, destinations, medical conditions, limits and extensions. A free benefit may not cover the whole trip or family. Compare its documents with your actual needs.