Once you leave your home for traveling then it is not in your reach to stop mishaps to happen. It is considered that journey is full with uncertainties and completely out of your predictions to restrain anything bad from occurring. But you can at least take some measures on your part so that these mishaps could not cause you unbearable harms in your journey by taking a travel insurance policy.
Travel insurance policy reduces the probability of danger during travel by giving the full protection in case of any disaster. Usually travel insurance policy covers for medical cost which you might have to incur in case of any accident because health is the major concern during traveling. Due to change in weather and climate you may suffer great loss for small illness in foreign country because you are not aware about the medical treatment and expenses in foreign land. Your travel insurance policy will pacify you by giving the reimbursement of medical cost and even will cover you by giving emergency ambulance and medical repatriation facility. Travel insurance policy will also cover for third party damage if accidentally you cause any injury to third person during traveling. Coverage for theft, burglary and loss of your passport and other important documents is also given with travel insurance policy.
There are a number of insurance companies in the insurance market as so many are forms of travel insurance policies. As per you choice you can buy any travel insurance policy like annual travel insurance policy, multi trip travel insurance policy, adventure travel insurance policy and student travel insurance policy. Generally the coverage given with different policies of travel insurance is different so when you go for buying any travel insurance policy then it becomes pertinent to check carefully the coverage with any particular travel insurance. Coverage given with travel insurance policy is the only option of getting rid of any impending danger in foreign land.
Through a proper online navigation you can collect all the current information about the policies of travel insurance. Online you can also get information about the new travel insurance policies as per your choice. So you can easily search the policy of travel insurance which suits your needs if you do the online search. In online search you are also not supposed to worry about the time wastage as online search for travel insurance policy can be done within a few seconds.
In fact, there are some insurance firms which will not offer any insurance at all to those who have had or do have cancer. Of the companies that do offer insurance, they sometimes charge you more than the cost of your flights. For instance, one company, Free Spirit, charges a 48-year-old woman who had breast cancer five years ago £248.70 for a 17-day worldwide policy. Compare this to someone without any health concerns where the insurance costs are as little as £20.
This example has been backed up by a recent survey conducted by the charity ‘Cancerbackup’ which reveals that nine in ten people struggle to get travel insurance if they have had cancer. Even if people are fit to travel, seven in ten are offered policies with sky high premiums or else refused insurance all together, the survey suggests. And so as a result of insurance problems, one in 20 people linked to cancer choose to travel without insurance. One in ten, as a result, cancel their trip.
But there is now, perhaps, some hope. As a result of the survey conducted by ‘Cancerbackup’, the Association of British Insurers (ABI) is investigating whether companies are in fact discriminating against cancer sufferers. The association says it also wants to make sure the ‘Cancerbackup’ survey results have not put people off taking out travel insurance all together before going on holiday. A spokesperson for the charity Macmillan Cancer Support calls for this sort of probing saying: “The insurance industry needs to recognize that not all cancers are the same and treat people accordingly."
Cancer as a disease itself is so grueling for people it is only natural many of them want to give themselves a relaxing overseas holiday when their treatment is finished. And rightly so says, one of the firms that does offer cancer suffers insurance – Medi Travelcover. A spokesperson for the company says the extra costs for the insurance are worth it because when someone is feeling low, a holiday can be just what they need. The company says it has sympathy with people who are refused travel insurance outright. “Being refused insurance can have a terrible impact on their morale", the spokesperson says.
When it comes to life insurance or private medical insurance it is quite understandable how someone might be refused the opportunity to take out cover. But then it seems crazy that someone who has had cancer a long time ago cannot get any reasonably priced medical insurance for a straight forward holiday. The situation is likely to become more of an issue too, with one million people having been diagnosed with cancer sometime in their life. So it is no wonder the Association of British Insurers is now doing some probing about the situation – some might argue that the probing has not happened soon enough.
Websites which offer more information include the Cancerbackup website (www.cancerbackup.org.uk) and Cancer Research website (www.cancerresearchuk.org/).
Both James Roy & Michael Challiner are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.