The biggest tip for ensuring a safe and happy trip to the UK is – get a travel insurance policy. There are no rules and regulations about UK visa or travel insurance for UK as such, but it is highly advisable to get travel insurance because of one major factor. The healthcare costs are really high in the UK! So, even for a small healthcare issue, you might end up being charged as much as your flight ticket cost.
However, travel insurance is not only about the healthcare coverage. Travel insurance covers so many other important things such as flight delays/cancellations, loss of baggage and important documents, mishap back in your home while you are travelling through the UK, etc. So, a travel insurance policy is highly beneficial for everyone, just make sure that you follow these 5 tips while selecting a travel insurance policy.
- Be sure about the type of travel insurance
A lot of things depend on what kind of trip you are going to take in the UK. If you have business interests in the UK and you are going to be visiting the UK often, then you can opt for frequent traveller insurance plan that will cover all your trips during a predefined time frame. Also, whether you are travelling solo or with family, also makes an impact on what type of travel insurance you should opt for.
- Identify the types of activities you’ll be doing in UK
If you are regular sightseeing tourist or you are an adventurists, is also important. It has been noticed that many insurance companies do not cover certain high risk adventure sports and activities. If you are going to take part in any such activities, you might have to get an additional cover as per the policies of the insurance company. Apart from professional and risky sports, if there are injuries that can be considered as self inflicted injuries, that may not be covered by the travel insurance.
- List the types of transportation you are planning to use
Many insurance companies do not cover the travels with budget airline flights and even cruise ships. If your travel plan involves them, you must make sure that your travel insurance has that sorted. You need to carefully study what is included in your travel insurance while deciding your plan of travel in the UK.
- Choose a global insurance company that has good network
This is very important as once you are on a foreign soil, you will find it difficult to understand the local system and approach to healthcare. In such moments, a travel insurance company and their representatives can be of a great help for you and your family. The insurance company must have an extensive network in the UK where you can get cashless treatments and hospitalization facilities.
- Understand the claim filing process
Just getting a travel insurance policy is not enough. One of the most crucial parts is filing a claim for your insurance policy. Most of the insurance companies have set very high standards and timeframes for filing a claim and once you miss it, it becomes very difficult to get the benefits that you righteously deserved. So, make a checklist and learn the process of filing a claim from the UK itself.