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Do make sure you take out your insurance before you travel. It can be very difficult to arrange once your holiday has started. Normally, insurers will not grant cover once a journey has commenced, leaving you exposed to a significant financial risk and a delay in the assistance you may desperately need.
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Do ensure that you take all documentation for your travel policy with you on holiday, especially the emergency assistance telephone number. You won’t be able to participate in our walks or sightseeing without producing your policy to our holiday leader.
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Do make sure that you have disclosed any pre-existing medical conditions to your insurer when you take out the policy (including yourself and your dependent family).
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Do be aware that a ‘low cost’ policy may not provide a level of cover you require; often ‘low cost’ means ‘low cover ’ and a less-than-reassuring service when you most need it! Some insurers exclude walking activities or walking with a guide of any description and impose unrealistically low altitude limits.
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Always carry your EHIC within Europe. A European Health Insurance Card (EHIC) entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Area (EEA) country or Switzerland. Always carry your EHIC when travelling to the following countries: Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including Reunion), Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland. The Department of Health leaflet ´T7.1 - Health Advice for Travellers´ includes details of the European Health Insurance Card (EHIC). Copies can be obtained free of charge from most Post Offices or by telephoning the Health Literature Line on 0800 555 777. You can pick up an EHIC application pack at most Post Offices or call the EHIC Applications Line on 0845 606 2030. You can also apply online at www.dh.gov.uk/travellers. A new application is also required if you change address. Although an EHIC is no substitute for effective travel insurance, many insurers require that you use your EHIC where appropriate.
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Don’t think that buying travel insurance is an unnecessary extra expense on top of your holiday cost. At worst it can help you get the assistance you need – at best it could help save your life.
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Don’t rely on your credit card cover – normally this only provides cover for accidents and excludes important features such as medical or cancellation cover, mountain rescue or repatriation.
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Read more about Ramblers Worldwide Holidays Travel Insurance >
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