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Travel Insurance : Post Office warns cut-price travel insurance doesn't pay

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Health-related claims account for one third of travel insurance claims registered by customers on winter skiing holidays, according to new figures from the Post Office.

The chance of accident or injury is increased on winter breaks, which tend to "carry more risk than a regular beach holiday", according to the Post Office's head of travel and leisure, Kevin McAdam.Costs for medical treatment in ski resorts can be very high.

Cheaper policies will often fall short when the cost of medical provision is coupled with emergency extras, like helicopter recovery from the slopes, which would cost between £1,000 and £2,000 whether in the US or on the continent.

Too many holidaymakers are buying travel insurance as a last minute thoughtwithout paying attention to what's excluded from the policy.

You should compare policies on a like-for-like basis and be aware that most travel insurance policies will not cover you for pre-existing medical conditions.

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Health insurance : News update: November 2006