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What is travel insurance & How it works ?

According to the British Insurance Broker's Association, a quarter of all British travellers still leave home without any sort of insurance coverage. That's negligence bordering on criminal, really. Even though you'll still live after facing a slight delay at the airport from losing a luggage or two, you probably won't survive an emergency medical procedure abroad without insurance.

If you're a constant traveller, purchasing travel insurance is just as important as getting health insurance.  At any rate, here are some of the most common travel insurance concerns you may want to read about in order to keep abreast of the importance of this particular policy.

Policy Coverage :

A travel policy should present around £3,000 to £5,000 whenever you have to delay or outright cancel your trip if, for instance, you've been stricken with a disease (Swine Flu is among the primary concerns of travellers nowadays) or there's a burglary or fire (or both, you never know) back at your home.

Getting at least £1,500 to cover for theft or loss of your possessions is very important, especially if you're a photographer by trade or a golfer in your free time (you may even need more than that amount, considering the expensiveness of your equipment). This is the type of insurance plan that should assist you whenever your flight arrangements are curtailed by unexpected circumstances.

There are many covers involved in this policy. First, there's the legal expenses cover amounting to about £25,000 that pays your legal representative if you ever need to make a claim against a third party. Then there's the personal liability cover that amounts to £12 million, which safeguards you against a damages claim made against you while vacationing. But the most important part of the policy is medical coverage, of course; you can get about £5 million of cover wherever you are in the world save for Europe, where you'll get only £2 million.

EHIC and Travel Insurance :

Carrying the European Health Insurance Card—the replacement of the form E111—is a great boon to British citizens everywhere because it's exactly what they need in order to enjoy free or discounted hospital treatment across the European continent. However, you need both travel insurance and the EHIC in order to be fully covered for every eventuality in Europe-wide travel.

To be more specific, the EHIC does not cover incidentals such as accommodating a relative in a nearby hotel, bills if you are picked up in a private ambulance or use a private medical clinic, and UK repatriation, all of which a good insurance policy will take care of. Furthermore, there are some insurance companies that advise you to carry the EHIC because it helps them out a lot in reclaiming expenses. Also, the card will cover you for things that an insurance plan will not, such as taking care of pre-existing medical conditions.

Declaration of Pre-existing Medical Conditions