Essential Check List prior to Travelling Abroad
Introduction
Use our essential check list to ensure that you don’t get caught out when travelling abroad!
- Destination: make sure the policy covers where you intend to, or are likely to travel to.
- Duration: there are limits on all policies. If you’re going for an extended stay abroad, you may need a specialist travel policy to cover your entire trip.
- Medical conditions: most policies have restrictions on medical conditions. Contact the insurer, disclose everything and see what they say.
- Going abroad to work: tread carefully here. Not all policies cover working abroad or they include lots of pre-conditions and caveats. Once again, check with the insurer
- Hazardous sports: certain conditions apply and certain activities may be excluded due to the risk of injury. If in doubt, check everything in advance with the insurer.
- Optional extras: going skiing, golfing or carrying expensive computer equipment? – you may need to discuss this with the insurer to make sure you’re adequately covered.
- What’s the process for claiming: do you have a copy of your policy document? Do you know the contact numbers in the case of an emergency? Bring them all with you!
- If in doubt – contact your insurer either before you travel or use the Emergency Medical Assist number in advance of receiving treatment to ensure you are covered.
Important – Please note the following;
- Policies are designed to cover hospital admissions. Where you are treated in an accident and emergency room and then discharged, this does not constitute an admission. You will have to pay for any expenses incurred and seek reimbursement from your insurer on your return. Note, out-of-pocket medical expenses are subject to excesses and limits and may not be covered by your policy.
- Excesses apply to most benefits. Check these when taking out the policy to avoid any shocks when you get your claims benefit.
- If you have Private Health Insurance with emergency medical expense cover included and you claimed your discount when effecting your Travel Policy, your health insurer will be liable for in-patient medical expenses incurred abroad up to the limit on the policy.
- All our travel policies cover ‘repatriation’ where medically necessary. This must be approved and arranged by the insurer on your behalf if you want to be covered!
- All travel insurers have Points of Contact for emergency medical assist services worldwide. Make sure you bring these contact details with you when travelling as they will be essential in the case of a medical emergency.
Please make sure that you understand the terms and conditions of the policy selected especially; Policy Excesses / Medical Conditions / Maximum Trip Durations / Policy Exclusions / Hazardous Sports & Activities / Private Health Insurance Discounts. This travel cover is provided by Blue Insurances Ltd who are regulated by the Central Bank of Ireland. We receive a referral commission payment from Blue Insurance for business placed with them. However at all times, you will be a customer of Blue Insurance Ltd and you must deal directly with them on all matters relating to your cover. Always ensure that any cover selected matches your specific requirements and check all aspects of your cover prior to travelling abroad.
