Below are a few of the questions customers often ask about Age UK Travel Insurance – we hope the answers will be helpful for you.
Q. Will I get my money back if my travel or accommodation provider goes out of business?
A. Your policy covers you for the failure of the travel or accommodation provider where there is no other protection or recovery available to you (such as a bond or protection under a credit card).
Q. I am travelling abroad and suffer from a pre-existing medical condition – should I tell anyone when I apply for cover?
A. Yes, this is very important, whether you’re taking out cover for a Single Trip policy or an Annual Multi-trip policy. If you are travelling outside of the United Kingdom and answer ‘Yes’ to the medical declaration on page 4 of the Policy booklet, you must declare all medical conditions before taking out or renewing your policy. If you have an Annual Multi-trip policy, you must call Ageas on 0345 128 8008‡‡‡ if there is a change in your health during the policy year, which means that you answer ‘Yes’ to any of the medical declaration questions.
Q. Will Age UK Travel Insurance accept everyone as a customer?
A. Some travellers have medical conditions that simply cannot be covered by the standard Age UK Travel Insurance policy. In those cases you may be referred to a broker, P. J. Hayman & Co. Limited, which operates a scheme called ‘Free Spirit’ that may be able to help provide cover for you.
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Q. My friend was coming on holiday with us but has now dropped out. Can they have their premium refunded?
A. No, cover includes cancellation charges and for that reason it has to start on the date of issue, not on the date the holiday starts. Your friend has already, in effect, used some of their cover when booking the holiday.
Q. If I take out this travel insurance, will it be like having private medical cover abroad?
A. No, travel insurance and private medical insurance are different things. Travel cover will look after emergency expenses if you are injured or ill abroad, but not the wide range of treatment expected with medical insurance.
Q. What if I change my mind?
A. You may cancel your policy within 14 days and receive a full refund. No refund of premium is available after the 14-day period, or if a claim has or will be made. A refund of premium is only available for a Single Trip Policy if the period from the date of issue of the policy to your scheduled return date home is greater than 28 days. See the Policy booklet for more details.
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Q. I took out European Annual Multi-trip cover but now am planning to travel outside Europe. Do I need a whole new policy?
A. No, you have the option to upgrade the policy you have to include worldwide cover (subject to terms & conditions and underwriting criteria). You will, of course, need to pay the difference between the premiums for European and Worldwide policies.
Q. Why can’t my Annual Multi-trip cover start just before I take my next trip?
A. Your cover includes loss of deposit and cancellation charges, so it’s essential you already have the cover in place when you book and pay your deposit.
Q. Why buy travel insurance? What are the risks of not buying the right cover?
A. The Foreign & Commonwealth Office provides essential and very practical advice about travel and travel insurance, it is very clear – ‘Don’t leave home without it’. Surprisingly, many people do, yet the cost of even routine medical treatment abroad can be extremely expensive. Without appropriate travel insurance, medical emergency costs while abroad could be incurred by the traveller.
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Q. What are the most common claims?
A. More than seven out of every ten claims are the result of medical issues that either lead to having to cancel a trip, or to needing medical attention abroad, and fewer than one of every ten claims is to do with baggage or money.
Q. Where can I get more information on any other travel-related questions I might have?
A. More information can be obtained by contacting the Foreign & Commonwealth Office: Website: www.fco.gov.uk
Telephone: 020 7008 1500
Travel Safe (FCO & Lonely Planet), World Wise (FCO & Lonely Planet), Checklist for Travellers (FCO)
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