A recent article in Insurance Business this month covered the story of a British tourist who sadly bled to death in Iceland because he was worried about nullifying his travel insurance.
After falling from a horse, Paul Schofield informed the hospital that he slipped on the street as he was worried that his insurance company would deem horse riding as a dangerous sport. Sadly, Paul and his girlfriend were not aware of what sports they were covered for while travelling.
Unfortunately, this is not a one-off story, earlier this Summer a British tourist died in Bulgaria because his travel insurance did not cover him being airlifted home.
It is vital that you have travel insurance and are fully covered but also that you understand what your policy includes and how you are covered.
For your peace of mind, we recommend:
1. Check your policy limits
2. Always declare you pre-existing medical conditions, it is always best to tell the truth!
3. Report any theft asap
4. Check the consecutive days cover limit
5. Is your destination covered?
6. Take care of your valuables
7. Are you covered for all the sports you plan to do?
8. It is not nice to think about but make sure you are covered for cancellation
If you don’t like the small print or just need to talk to someone the Topsail team is on hand. Your call will never be held in a queue, you will not have to press a secession of buttons to speak to someone and you will always speak to someone who is passionate about your trip.