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Travel insurance myths

Swiftcover looks at the some of the biggest myths surrounding travel insurance:

Myth 1: I don’t have to tell my insurer about any medical conditions

Reality: If you do not tell your insurer about a pre-existing medical condition, then you will not be covered for any claim arising from or related to the condition. This does not mean that you cannot travel if you have a condition such as asthma or diabetes, but you must check with your insurer first.

Myth 2: My credit card travel insurance will cover me for everything

Reality: Free insurance with most credit cards offers much lower levels of protection compared with dedicated travel insurance, particularly when it comes to vital issues such as medical expenses. Some policies offered by credit card companies just consist of accident cover, meaning that if you fall ill (rather than suffer an accident) on your holiday, will not be entitled to any assistance – potentially leaving you tens of thousands of pounds out of pocket.

Myth 3: I will be covered if I hurt myself during a sporting activity

Reality: Insurance provided by travel insurers covers a huge range of sports. However, some sports, particularly winter sports like skiing and snowboarding, require extra cover.

Myth 4: If I am travelling in the EU, I will automatically be covered by the local health service

Reality: You are entitled to free or reduced-cost healthcare in EU countries, but only if you have a European Health Insurance Card. An EHIC Card is available free of charge and entitles you to access healthcare in EU countries.

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