Why
should I purchase Travel Protection when I have other insurance
policies?
Our policy combines insurance coverage and travel assistance services into a comprehensive package that protects both you and your investment before and during your trip. It is important to remember to safeguard you and your family against the unexpected when planning a trip. Travel Insurance Online can give you this peace of mind. Credit card insurance policies may provide limited protection, but this is usually only offered when you purchase your tickets with that particular credit card. Travel Insurance Online will provide comprehensive coverage, including Cancellation and Curtailment cover which you would not get with a tour operators non-refundable cancellation period.
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Won’t my Homeowner's and Medical
Insurance policies cover me during my trip?
It is a good idea to check your current insurance policies for the coverage they offer when you are travelling. If your House Insurance covers your personal belongings whilst you’re out of the country you can delete the baggage cover from your travel insurance. Many private medical policies offer cover with varying degrees of limitations.
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Why is trip Cancellation/Curtailment cover important?
All travel suppliers, Tour Operators, Cruise Liners or Airlines have cancellation penalties. These penalties become more severe as your departure date gets closer and if you cancel you will loose whatever money you have put down as deposit or final payment. The Cancellation cover on your Travel Insurance will cover if you have to cancel or curtail your holiday due to medical reasons. It will also provide cover if the person you are holidaying with cannot travel due to medical reasons.
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What is a Pre-Existing Condition?
A pre-existing medical condition is defined via the following questions that you will be asked if you are booking online or by phone. Please note that a lot of travel insurance companies in today’s market automatically exclude pre-existing conditions.
- Have you or anyone travelling under this policy been hospitalised in the last 12 months?
- Do you take any prescribed medication on a regular basis?
- Are you on a hospital waiting list or awaiting results of medical tests?
- Is there anyone in your immediate family whose ill health could prevent you from travelling or cut short your holiday?
If any of these answers are YES you will need to contact our Medical Screening Line who will advise you on whether the condition or medication you are taking is covered under this policy.
Please call 0117 300 7015 and quote Optimum
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Does Travel-insurance-online-cover offer
coverage for pre-existing conditions?
Any pre-existing medical conditions do need to be declared to the medical screening line to ensure cover under the terms and conditions of the policy. Any medical condition that may occur after you take out the insurance, but before you travel, also has to be declared. Cover for any conditions will only be provided following the acceptance by Optimum.
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If my traveling companion cancels
their trip and I still want to go on the trip, will
Travel-insurance-online-cover cover additional costs caused due to their
cancellation?
You are covered up to the sums insured if any person you are intending to travel with cancels as a result of illness or anything else mentioned under the cancellation criteria.
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Will Travel Insurance Online cover me for the cancellation or curtailment of my trip due to terrorist activity?
The policy will not cover for any acts of war or terrorism. If the Foreign Office states that a country is unsafe to travel to you would not have any cover under your policy.
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Am I covered if I cancel my trip due to my redundancy?
You are covered up to the sums insured if you have to cancel due to your redundancy provided that you were not aware of this at the time of booking.
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If I change my mind after purchasing, am I entitled to a refund?
You have a 14 day cooling-off period from receipt of your policy when you are entitled to a full refund if the policy does not meet your needs.
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Can a
foreign national purchase a Travel-insurance-online-cover Protection
Plan?
This policy is only available to persons residing in the United Kingdom.
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