Should you buy travel insurance?
Should you buy travel insurance?

Should you buy travel insurance?

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Expert tips on getting cheaper travel insurance

Cost of package holidays for summer 2025 up 4.2 per cent on average from last year. It’s unwise to save by not buying cover, considering high costs when things go wrong. Comparing quotes online is the best way to assess different options and find the best deal. Those with pre-existing medical conditions may struggle to get appropriate travel insurance at a reasonable price using price comparison websites. Find out if you already have travel insurance through an existing financial product, such as a bank account or credit card, to check it’s a good idea to scrutinise what it actually covers. Check other policy options, including a multi-trip policy if you take more than three trips a year. If you’re going on a holiday with multiple people it’s worth checking if a group or family policy could be cheaper than individual cover, says Alicia Hempsted, travel insurance expert at MoneySupermarket. We suggest using Confused*, MoneySuperMarket* and Uswitch* to compare travel insurance policies and get the best price.

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Comparing travel insurance is essential before going on holiday. Having travel cover in place protects against major problems, from flight cancellations to theft and injury.

And with the cost of package holidays for summer 2025 up 4.2 per cent on average from last year, according to Which? Travel, many Britons will be considering ways to cut costs.

Getting cheaper travel insurance is one way to do so.

But there’s much to consider when buying travel cover:

What are your requirements?

Will a cheaper policy provide the cover you need?

What are the implications for buying cover if you have pre-existing medical conditions?

You might also be wondering whether you need travel insurance in the first place. Our view is it’s unwise to save by not buying cover, considering the high costs involved when things go wrong.

Travel insurance is widely available, generally affordable, and it’s quick to compare travel insurance from major providers online. Here’s what you need to know.

Shop around: Comparing travel insurance helps you check all your options quickly

How to compare travel insurance: Our top tips

1. Shop around by using two or more price comparison websites

Alicia Hempsted, travel insurance expert at MoneySupermarket, says comparing quotes online is the best way to assess different options and find the best deal.

Using a price comparison website allows you to shop around and get several quotes at the same time, meaning you can check all your options quickly.

It’s best to check more than one price comparison website when comparing travel insurance.

Not all insurance companies appear on every price comparison website. Using at least two websites should mean you’ve compared as many options as possible.

This might feel onerous, but it can help you secure the best deal.

How to compare travel insurance The quickest way to save money on travel insurance and compare the best policies is by using a comparison site. It’s worth checking a couple of price comparison websites, because the results can be slightly different across each. We suggest using: Confused*

MoneySuperMarket*

Uswitch* However, those with pre-existing medical conditions may struggle to get appropriate travel insurance at a reasonable price using price comparison websites. People in this situation can find travel cover using the find a broker tool from the British Insurance Brokers’ Association or by calling the organisation on 0370 950 1790.

2. Check quotes with the travel insurance provider directly

Comparison sites are great for checking options for travel insurance quickly, but it’s also worth comparing prices directly with the insurer.

Keep in mind not all insurers are on price comparison websites, so you may have options outside of the quotes you’re given by these services.

And if you have specific needs, going to a broker is a good bet. For example, those with pre-existing medical conditions may still be able to find cover from a travel insurance intermediary or broker, according to the Association of British Insurers (ABI).

Declaring pre-existing medical conditions It’s important to declare pre-existing medical conditions when buying travel insurance. Your cover could become invalid if you don’t. The decision about whether to offer insurance – and at what price – depends on the insurer. They’ll take factors like your age, medical history, destination and activities you’ll be doing into account.

3. Check other policy options

You can buy travel insurance solo, as a couple, as a family or as a larger group.

‘If you’re going on a holiday with multiple people it’s worth checking if a group or family policy could be cheaper than individual cover,’ says Alicia Hempsted.

She also told us that a multi-trip policy can work out best if you take more than three trips a year.

4. Find out whether you already have travel insurance elsewhere

Some bank accounts and credit cards offer perks that sometimes include travel insurance.

This means one way to save money is to check whether you’re already covered.

But even if you’ve already got travel insurance through an existing financial product, it’s a good idea to scrutinise what it actually covers so you’re not caught out while on holiday.

You may still need additional protection, for example if you’re planning on taking part in riskier activities.

5. Make sure travel cover offers the protection you need

Using a price comparison website is a quick way to check all your options for travel insurance, but it’s important to look beyond the cheapest option or the one that shows at the top of your quote results.

‘When you’re looking for travel insurance, medical, lost luggage and cancellation cover are the key things to check the level of cover for,’ Alicia says.

‘Remember, the cheapest option isn’t always the best fit, so be sure to read the policy details and assess your travel needs before buying your policy.

‘If you have any type of existing medical condition, it’s vital that this is declared on your travel insurance prior to booking to ensure your policy isn’t invalidated should you need to make a claim.’

6. Make sure you would be able to afford the excess

Increasing the excess you’d be prepared to pay when making a claim can result in cheaper travel insurance.

But it’s vital to check all the fees involved in making a claim. If you can’t pay, the excess may be deducted from the payout or your claim may be rejected altogether.

You may have to pay multiple excesses when claiming for a single incident, if you’re protected by more than one type of cover.

For example, if you’re injured in a mugging and you turn to your policy to cover both emergency medical expenses and stolen cash, you may have to pay excess for each claim.

If a policy can give you the peace of mind that you wouldn’t have to fork out a considerable amount in fees when claiming, it could be worth paying slightly more.

7. Don’t pay for more travel insurance than you need

Overestimating the amount of cover you need will result in a higher price for your travel insurance.

For example, you’re normally asked how much cover you need for baggage and cancellation.

You’ll be covered up to a set amount – the cover limit – and so you should make sure you buy a policy that’s at least the amount you need.

However, if you’ve got £3,000 of baggage cover but the value of your belongings is just £1,000, it’s possible you could’ve bought a cheaper policy. Just keep in mind that cheaper policies will usually ask that you pay more excess when making a claim.

What is travel insurance?

Travel insurance can protect you from the numerous risks involved with going away, both large and small. It can cover:

lost or stolen luggage

medical treatment

delays and cancellations

lost or stolen passports

When you hit a problem that’s covered under your travel insurance policy, the payout ensures you’re not significantly out of pocket.

Travel insurance is especially important when it comes to emergency medical expenses, because a bill abroad can end up being tens of thousands of pounds.

And people who get seriously ill or injured will need to be repatriated, which involves returning home while still receiving expert care, or because specialist care isn’t available.

Types of travel insurance

There are different types of travel insurance policy you can choose from. The price varies by type, but certain policies can work out cheaper in the long run, for example a policy that covers multiple trips rather than just one.

Here are some examples:

Single or multi-trip travel insurance: If you’re going on several trips over a year, check the cost of multi-trip travel insurance. It can work out cheaper than a policy that covers a single trip.

Individual cover or cover for multiple people: You can buy cover solo, or you can buy it as a couple, family or larger group. It can sometimes – but not always – be cheaper to buy joint or group policies, so make sure you compare these options if you’re not travelling alone.

Cover for more specific trips: Backpacker insurance covers longer trips, for example if you go travelling for 12 or 18 months. There’s also sports travel insurance for riskier activities such as skiing, sailing and cycling.

We’ve covered buying cheaper policies for other types of insurance, including:

What about travel insurance for medical conditions?

You must declare pre-existing medical conditions when buying travel insurance. If you don’t and then need to claim, the policy could be invalidated.

The tips above can still apply to those who have pre-existing medical conditions. But unfortunately, a policy will often be much more expensive than cover for people with no medical conditions, because of the increased risk to insurers.

You can still compare from the price comparison websites, which all say they can show options for those with medical conditions. That being said, finding a policy at a reasonable price will likely prove to be challenging, so it’s worth speaking to specialist firms too.

You can use MoneyHelper’s travel insurance directory to find specialist firms that might be able to cover you.

Do you need travel insurance?

Flight delays, cancellations and medical emergencies can leave travellers thousands of pounds out of pocket, so travel insurance is worth it for peace of mind.

Buying travel insurance isn’t a legal requirement, but Government guidance recommends you purchase it as soon as possible after booking an international trip.

Citizens Advice also says it’s essential – especially for solo travellers, who’ll find it more difficult to get support when things go wrong and can end up becoming stranded.

Travel insurance is also important to buy even if you have a European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC), which replaced the EHIC. These schemes cover medical emergencies at state-run hospitals in the EU.

However, they don’t replace travel insurance. For starters, not all healthcare in the EU is free, plus neither the EHIC nor GHIC covers repatriation, rescue, or cancellation.

Is it possible to find cheaper travel insurance?

Travel insurance can be expensive depending on your requirements. The best way to get the cheapest deal is by entering your details into a price comparison website, which allows you to compare quotes from major providers quickly and with minimum fuss.

Our tips for comparing travel insurance are:

compare quotes on two or more comparison websites

check the price directly with the providers

look at the excess costs carefully – it may be worth paying slightly more for a policy that means you’d pay less excess when making a claim

Even though you might want to cut costs, it’s important the cover will pay out when you need it to, so check the policy information carefully before buying.

For example, if you have an expensive phone that gets stolen while you’re on holiday, it might not be covered as standard. Insurance for gadgets is often an optional add-on.

And more importantly, what are the terms and conditions around paying out for medical expenses, or a lost passport?

You should be careful when it comes to the excess you’d need to pay in the event of a claim. Insurers compete on price comparison websites by offering low prices. But when you dig into the terms, it can be costly to claim on one of these policies.

How much is travel insurance?

According to MoneySupermarket data, the average price of travel insurance in 2025 is £16.15. This figure is the median price of travel insurance sold through the website in May 2025.

You can compare the cost of travel insurance at these price comparison websites:

Source: Thisismoney.co.uk | View original article

Can you still get travel insurance if you’re departing today?

More than half of travellers delay buying travel insurance until the last minute. You can buy cover on the day you travel (or after you’ve left) But it could seriously limit your protection, especially for cancellation cover. Buying insurance late may mean fewer options or restrictions on what’s covered. Check Which? insurance ratings and compare deals using the service provided by Confused.com. Get a quote now for a travel insurance policy using the services provided by the company. See our best travel insurance if you have a medical condition for more information. For more travel insurance news, see our travel insurance round-up. Back to Mail Online home. back to the page you came from. Follow us on Twitter @MailOnlineTravel and @dailymailonline for more travel news. Back To the page You Came From: Back to the Page you Came From.  This article was originally published in the May 2014 edition of the magazine, The European edition of which this article is also available in the US and Canada.

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With schools breaking up and summer holidays in full swing, many holidaymakers rush to buy travel insurance at the final hour.

Earlier this year, a survey by Multitrip.com found that more than half of travellers delay purchasing insurance until the last minute.

You can buy cover on the day you travel (or after you’ve left), but it could seriously limit your protection, especially for cancellation cover.

Here’s what you need to know before you fly out and why waiting too long could leave you unprotected.

Compare travel insurance deals Check Which? insurance ratings and compare deals using the service provided by Confused.com Get a quote

How buying travel insurance last minute can cost you

Travel insurance does more than protect you while you’re away – it can also protect you against issues that arise before you leave.

Here are three main risks you could face if you delay buying a policy:

No cover for cancellations before you travel: Multitrip.com also found one in five claims are for holiday cancellation. If you get travel insurance on the day you fly, you won’t be protected for anything that happens before then. That means if you have to cancel due to illness, injury, or a family emergency, you could lose any non-refundable costs. Limited cover for pre-existing medical conditions: many policies need to be bought in advance to cover pre-existing health issues. Buying insurance late may mean fewer options or restrictions on what’s covered. See our best travel insurance if you have a medical condition . Less protection if your travel company fails: some travel insurance policies cover the collapse of airlines or holiday providers. But this cover usually only applies if you bought the policy before the company ran into trouble. Buying at the last minute could leave you unprotected if your trip is cancelled because of this.

It’s also worth highlighting that cancellation claims aren’t just due to your own illness. Multitrip.com found that a third of cancellation claims were because a travelling companion was sick or injured, one in seven related to the death of a relative not travelling, and just under one in 10 were due to illness or injury of a non-travelling relative.

Find out more: Best travel insurance companies and policies

Is it too late to buy cover while travelling?

If you’ve started your trip without travel insurance, it’s not too late to buy cover.

Some insurers offer policies specifically for travellers who are already abroad. This type of cover, known as ‘already travelling’ insurance, can protect you from unexpected events from the moment you buy it.

However, these policies won’t cover any issues that happened before you took out the insurance, such as lost luggage or any medical treatment you’ve already received.

It’s worth noting that buying cover once you’re away may mean fewer options, higher costs, and extra checks to confirm you’re not claiming for something that occurred before you were insured.

If you travel more than a couple of times a year, an annual travel insurance policy may be a suitable option.

It can auto-renew and save you from forgetting to buy cover before future trips (though we’d always advise comparing the renewal quote to what competitors are charging).

Find out more: 30 ways to save money on your next holiday

Will buying last-minute travel insurance raise my premium?

The price a travel insurer sets usually won’t vary much based on when you buy.

That means you won’t save money by booking travel insurance last minute, even though you’ll be missing out on some cover.

And leaving it until the last minute can really narrow down your choice of insurers, which could mean missing out on cheaper options.

If you shop around early, you’ll have a better chance of finding a policy that suits your trip and your needs.

Some insurers don’t offer the full range of cover to last-minute buyers, especially if you need cover for certain activities or have pre-existing health issues. So waiting too long might mean fewer choices for you.

Find out more: Best and worst holiday providers 2025

Check you’re getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now

When is the best time to buy travel insurance?

Ideally, you should buy travel insurance the day you book your trip, or hold an annual policy.

Buying early means you’re protected right away in case something unexpected happens that forces you to cancel before you travel.

While most travel insurance starts on your departure day, cancellation cover usually begins as soon as you purchase the policy. Waiting too long means you could miss out on this important protection.

If you have an annual travel insurance policy, double-check that your policy applies to your destination and the length of your trip.

Source: Which.co.uk | View original article

Can I really be fined €6,900 for going to Spain without travel insurance?

Spain could start issuing big fines of up to €6,900 to British holidaymakers if they cannot produce proof of travel insurance covering medical costs. Reports suggest Britons must have travel insurance that stands to cover all medical costs for the duration of their stay in Spain, or risk a substantial fine. Spain’s Ministry of Health says there are no regulations in place requiring British tourists to purchase private health travel insurance to enter Spain as tourists. This is Money has contacted Britain’s Foreign, Commonwealth & Development Office about the matter. To date, it has not been confirmed by authorities in Spain or Britain that you could be fined if you are found to be travelling to Spain without adequate travel insurance. However, it is always sensible to take out travel insurance providing appropriate medical cover before you travel abroad. The risks of not taking outTravel insurance can be extremely serious if things go wrong. If you are going to Spain, read the FCDO’s online travel advice for Spain. This covers topics like entry requirements, insurance advice and health insurance cards.

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I read a story that said Spain could start issuing big fines of up to €6,900 to British holidaymakers if they cannot produce proof of travel insurance covering medical costs.

When I tried to discover if this was true, I hit a brick wall. I thought that a GHIC covered me in Spain and getting travel insurance for extra medical costs was up to me.

Could I really be fined when I go on holiday?

What are the rules? A This is Money reader wants to know if they could be fined for going to Spain without adequate travel insurance

Jane Denton, of This is Money, replies: In recent weeks, reports have been published suggesting Britons could be fined up to €6,900, or around £5,900, if they go to Spain and are unable to prove they have adequate travel insurance covering medical costs.

The reports suggest Britons must have travel insurance that stands to cover all medical costs for the duration of their stay in Spain, or risk a substantial fine.

According to some of the articles, the insurance policy must meet certain criteria outlined by the Spanish Ministry of Health, such as covering medical emergencies, hospital stays and other essential services.

Some of the media reports include a quote purporting to be from Spain’s health minister, emphasising that this measure was designed to ensure that all visitors have the necessary financial resources to cover the costs of medical care, and avoid placing further strain on the country’s healthcare system.

This is Money has, like you, been working to figure out what is going on and whether the reports are correct.

Response from Spain’s Ministry of Health

Last week, we contacted Spain’s Ministry of Health and asked them whether Britons could be fined up to €6,900 if they travel to Spain and are found to be without travel insurance covering medical costs.

On Tuesday, we received a response in Spanish, which translates as: ‘According to our information, there are no regulations in place requiring British tourists to purchase private health travel insurance to enter Spain as tourists.’

However, the department said it still ‘highly recommended’ that visitors to Spain have travel insurance that includes medical cover, especially if their stay is longer than 90 days or the individual does not have a valid European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC).

I also contacted Britain’s Foreign, Commonwealth & Development Office about the matter.

It said it was for the Spanish authorities to answer questions on the terms they set for people entering Spain.

The Government department said it kept its travel advice under constant review ‘to ensure it reflects the latest updated information for British nationals travelling abroad.’

The FCDO noted that it had longstanding advice that British nationals should purchase appropriate insurance before travelling abroad.

The FCDO website does state that Britons could be asked to show proof of their travel insurance at the Spanish border. There is no mention of a potential fine at present.

What should British tourists do?

To date, it has not been confirmed by authorities in Spain or Britain that you could be fined if you are found to be travelling to Spain without adequate travel insurance. This could change.

However, it is always sensible to take out travel insurance providing appropriate medical cover before you travel abroad. The risks of not taking out travel insurance can be extremely serious if things go wrong.

Use comparison sites and do your research to ensure you get an appropriate level of cover. The cheapest policies may not be the most appropriate, particularly when it comes to providing adequate cover in case of a medical emergency overseas.

If you are going to Spain, read the FCDO’s online travel advice for Spain. This covers topics like entry requirements, insurance advice and health insurance cards.

The FCDO also has a list of medical providers in Spain where some staff will speak English.

If you are in Spain and need to access state healthcare in Spain, you will need a valid EHIC or GHIC card.

A GHIC or EHIC covers state healthcare. It does not provide private healthcare cover.

With a GHIC or EHIC card, you can get medically necessary treatment in Spain on the same basis as a Spanish citizen. This means that you will get healthcare services for free or at a reduced cost.

If you travel to Spain or elsewhere in Europe without a valid EHIC or GHIC, you may need to pay in full for the state treatment or care you receive.

A GHIC or EHIC card is not a replacement for travel insurance. The cards do not cover everything, such as mountain rescue or being flown back to Britain via a medical repatriation.

The GHIC has replaced the existing EHIC card. If you have an existing EHIC you can continue to use it until the expiry date on the card. Once it expires, you will need to apply for a GHIC to replace it.

You can apply for a new card up to nine months before your current card expires.

A UK GHIC is free and lasts for up to five years. You can apply for your new card through the NHS website. Avoid using unofficial websites as they may charge you a fee to apply.

Britons also need to be careful about their passport when entering Spain.

Britons entering Spain must have a passport date of issue less than 10 years before the date you arrive.

Your passport also needs to have an expiry date at least three months after the day you plan to leave the Schengen area. The expiry date does not need to be within 10 years of the date of issue.

Source: Thisismoney.co.uk | View original article

Martin Lewis says ‘I have a rule’ as anyone with summer trip booked told to act

Martin Lewis says ‘I have a rule’ as anyone with summer trip booked told to act. Anyone going on holiday should book travel insurance ‘now’ in case of cancellation. MoneySavingExpert.com has published advice in its weekly newsletter ahead of the six week holidays. It comes after Mr Lewis issued the advice in March, saying that anyone with a trip booked should buy travel insurance now and not wait until they are about to go on holiday. He said the only way to cover yourself and make sure you get your money back is by already having travel insurance booked. The finance expert compared the situation to buying a tennis racket and said that losing money on a holiday because you don’t have insurance is your own problem, not the company’s. There is a cheap travel insurance guide available on its website. If you’re going away two or more times a year, there is a Cheap Travel Insurance Guide available on the website.

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Martin Lewis says ‘I have a rule’ as anyone with summer trip booked told to act

Anyone going on holiday should book travel insurance ‘now’ in case of cancellation

The warning has been issued ahead of the summer holidays (Image: PA )

Martin Lewis says anyone going on holiday this summer should buy travel insurance right now or risk losing their money. The finance expert says people should get travel insurance as soon as they book a holiday instead of waiting until nearer the time.

MoneySavingExpert.com has published advice in its weekly newsletter ahead of the six week holidays to make sure holidaymakers are covered in case of cancellation.

It comes after Mr Lewis issued the advice in March, saying that anyone with a trip booked should buy travel insurance now and not wait until they are about to go on holiday to avoid losing money if something happens that prevents you from going.

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Speaking on his ITV show, The Martin Lewis Money Show Live, he said: “Travel insurance is not just to cover you while you’re away.

“It’s also very important to cover you in case something happens before you go that stops you going.

“I have a rule… you should get your travel insurance ASAB – as soon as you book.”

Mr Lewis said that he receives messages every year with people asking what they should do after something unexpected happens, such as being diagnosed with an illness, meaning they can no longer go on their holiday.

He said the only way to cover yourself and make sure you get your money back is by already having travel insurance booked.

He said: “Now the reason I do this is every year someone asks me a question something like, ‘I’ve been diagnosed with cancer. We can’t go on the holiday. They’re saying we can’t have our money back. What do I do?’ And I’m impotent.

“Because the answer is, you get on your travel insurance. And they say, ‘Well, I haven’t got my travel insurance yet’.

“Do not get your travel insurance the day before you go. You get your travel insurance ASAB.”

The Martin Lewis Money Show Live shared a personal story that Mr Lewis had received last year from someone who had shared their own travel insurance horror tale.

A person dubbed ‘C’ got in touch with Mr Lewis and asked: “I booked a holiday for Christmas last year but I was then medically advised not to fly. The holiday was already paid for and I hadn’t taken out any travel insurance. I’m now being told I’ve lost all the money for the holiday! Is there anything that can be done?”

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“Please don’t be the person this summer who asks me that question,” Mr Lewis said. He then reiterated that if you are going to get travel insurance you need to buy it at the same time as you book your holiday.

To hammer home his point, Mr Lewis compared the situation to buying a tennis racket, saying that losing money on a holiday because you don’t have insurance is your own problem, not the company’s.

He said: “If you bought a tennis racket and you broke your arm, you can’t say to them I want a refund because my arm’s broken. The tennis racket still works.

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“The flights still work, the hotel still works. It’s not them that’s got the problem, it’s you. That’s the logic. That’s what you have insurance for.”

MoneySavingExpert.com also advises that annual policies are usually cheaper if you’re going away two or more times a year? There is a cheap travel insurance guide available on its website.

Source: Manchestereveningnews.co.uk | View original article

Travelers Using Weight-Loss Injections Must Disclose Medication to Secure Travel Insurance Coverage: Here’s To Know More About It

Travelers Using Weight-Loss Injections Must Disclose Medication to Secure Travel Insurance Coverage. If this information was not supplied you could find that your travel insurance becomes void. If you were travelling against your doctor’s advice or had not disclosed that you were taking these medications you could be left stranded with high medical bills to pay. In the UK alone, there are approximately 3.4 million people who may be eligible for NHS treatment in the next 12 year. To meet that demand, there is an urgency for travelers to know how these drugs can impact on their travel insurance. If they do not, travellers could possibly have their claims turned down if they encounter medical problems while on holiday. Here are key things to do to ensure you are adequately covered while traveling: Read the fine print of your insurance policy. There may be exclusions or limitations for those who are taking specific medications, or those with pre-existing health conditions. You are best off to know up front what the details are so that you are not surprised, or forced to cancel.

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Travelers Using Weight-Loss Injections Must Disclose Medication to Secure Travel Insurance Coverage: Here’s To Know More About It

While travelers celebrate summer travel season, many are also gearing up for their dream vacations. For people who are taking weight-loss medications like Mounjaro and Wegovy, though, there is one important step that shouldn’t be missed when you’re buying travel insurance. If this information was not supplied you could find that your travel insurance becomes void, should you need to make a claim and it comes to light that you were travelling against your doctor’s advice or had not disclosed that you were taking these medications you could be left stranded with high medical bills to pay. This is particularly useful to anyone who is planning an international holiday or take part in anything vaguely adventurous, as emergency medical help may not always be immediately on hand.

The Rise of the Weight-Loss Shot

This is the era of weight-loss drugs, such as Mounjaro (tirzepatide) and Wegovy (semaglutide), which are greatly welcomed alternatives for those struggling with obesity and type 2 diabetes. Since the NHS approved them, these injections have exploded in popularity across both private and public health settings. Recent estimates indicate that in the UK alone, there are approximately 3.4 million people who may be eligible for NHS treatment in the next 12 year. To meet that demand, so, the urgency for travelers to know how these drugs can impact on their travel insurance.

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Although these types of weight-loss injections do work for modest weight loss and improved metabolic health, they are not without potential side effects, including nausea, digestive problems and (rarely) serious ailments like pancreatitis, an inflammation of the pancreas. Insurers need to protect themselves from risks around potential health problems so they typically want to know what medication a person is taking if they are issuing coverage for their trip.

The importance of providing travel insurance companies with full and accurate information.

When you buy travel insurance, you will need to disclose all medical conditions, and all medications or treatments you are taking. This extends to weight-loss injections. What you will find with most travel insurance companies is that you will need to disclose pre-existing medical conditions or medications. If they do not, travellers could possibly have their claims turned down if they encounter medical problems while on holiday.

For example, Forum Insurance, one of the leading UK brokers, recently pointed out the risks of failing to disclose weight-loss injections. The company noted that failing to disclose this information could result in claims being denied, even if the medical condition during the trip wasn’t directly related to the treatment. In that case, the insurance company might consider the policy void and leave the traveler with no protection if an emergency occurs.

How Travelers Should Proceed?

If you are on weight-loss medications such as Mounjaro or Wegovy, here are key things to do to ensure you are adequately covered while traveling:

Disclose All Drugs when Buying Insurance

Telling your insurer when you ask travel insurance for weight-loss injection COVER: It’s important to mention any medication you may be taking when applying for travel insurance. Giving your insurance provider accurate and complete information is a mature step you can take to limit any problems you might have in case a medical emergency arises when you are out of your home country.

Update Your Policy If Necessary

If you have already purchased an annual travel insurance policy, ensure you make it aware of your recently commencing use of a weight-loss injection. Get in touch with your insurance provider and make sure they know your latest medication and health background.

Read the Small Print in Your Insurance Policy

Read the fine print of your insurance policy. There may be exclusions or limitations for those who are taking specific medications, or those with pre-existing health conditions. You are best off to know up front what the details are so that you are not surprised, or forced to cancel for any reason.

Carry Documentation of Your Medication

Make sure to carry a copy of your prescription or a doctor’s note when traveling with medication. This paper will act as evidence in case if any of the authorities or medical staff want to know your treatment. It may also come in useful in case you must see a doctor while travelling.

Prepare Ahead of Time and Explore Customized Insurance Options

Special coverage for travelers with pre-existing condition or on a specific medication are available from many insurance companies. If you’re taking weight-loss injections, you may want to think about taking out a policy that is customized to your needs, which will cover the cost of your treatments should you need to seek medical attention.

The Dangers of Keeping Weight-Loss Medication a Secret

There can be serious implications for not declaring weight-loss drugs to travel insurance companies. Travelers could be left footing the bill for medical treatment since they may not be covered for medical services, especially treatments for the conditions these prescriptions manage. Although the weight-loss injections themselves may not have caused a medical problem, insurers could still reject claims for any health-related problems if the patient did not disclose the medication.

In some cases, if they discover that critical information was left out, insurance providers can cancel policies entirely. Overseas medical costs can be expensive, with hospital stays, treatments, and emergency medical attention costing you thousands of dollars. Don’t take the chance of being left to cover these bills when cost effective and comprehensive travel insurance is available.

Travel Insurance for Weight Loss Injection Users

For travelers on Mounjaro, Wegovy or other weight-loss treatments, there are several things to keep in mind to ensure that they stay covered while traveling:

Buy Coverage at Least a Year Before You Leave: Buy your travel insurance early enough to have plenty of time to disclose medications and have them covered.

Choose Annual Policies: If you take multiple trips per year, look at annual travel insurance policies which cover all trips in a year, and allow you to update information as your medical situation changes.

Use a Specialist Broker: There are some insurance brokers which cater specifically for people with a pre-existing condition, or who need medication. Seeking advice from a professional can assist in obtaining the most appropriate and economical insurance policy.

Conclusion

Weight-loss drugs, including Mounjaro and Wegovy, are increasingly found in the luggage of travelers, but it’s important to note that these medications need to be reported to travel insurance providers. By disclosing your medications at the time of purchase, you can be sure that your travel insurance is valid and provides coverage when you need it most. Though the benefits of coverage by these drugs are indisputable, the traveler has the duty to take charge of their own health by ensuring they have adequate insurance and avoid unexpected expenses far away from home.

If you’re planning to travel to a tropical paradise to enjoy a relaxing holiday on the beach, or a wild adventure either way you should ensure you have your priorities right – your health and financial stability including travel insurance to cover all medical conditions even those that are controlled with help of weight-loss injections.

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Source: Travelandtourworld.com | View original article

Source: https://www.wral.com/video/should-you-buy-travel-insurance/22092476/

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