Insurance office post travel uk
It is easier to obtain cover for European countries than others eg USA as medical costs in such countries are considerably higher
If you choose to holiday in a country that is part of the EU then you will need to complete an E111 form (available at the Post Office) and take this with you.This enables you to obtain free emergency treatment within the EU (rather than reclaiming the cost from your insurance policy).Even if you have travel insurance for the EU you are most probably still required to take an E111 check your policy.The rules for the E111 have changed and you should note that :
A form E111 issued before 19 August 2004 is no longer valid and you should apply for a new form
A form E111 issued on or after 19 August 2004 is valid only up to 31 December 2005
From 1 January 2006 the UK will fall into line with other EU countries and issue a European Health Insurance Card instead of a form E111.If you applied for a new form E111 for travel in 2005 you will automatically be issued with the new European Health Insurance Card when they are introduced.
only one application for a form E111 is required for a family but separate forms E111 will be issued for each family member
If you are travelling with your wife, partner or a friend it is best if they arrange their travel insurance with the company you use, preferably on the same policy.The reason for this is that if your condition unexpectedly worsens before you go and you have to cancel your holiday then the other person will also be covered for a cancellation refund and if your condition unexpectedly worsens when you are away and you have to cut short your holiday you should both be able to claim for whatever costs are covered by your policy.In both cases your travelling companion will be covered because your condition was declared when the insurance was arranged with your company.If the person going with you has their travel insurance with a different insurance company and you have to cancel or cut short your holiday because you fall ill it is likely that they will not be covered for having to cancel or shorten the holiday due to your medical condition.This is because your pre-existing condition will not have been declared to the other company
If you do not tell the insurer that you have received treatment for cancer and you later make a claim in respect of your condition or for a related condition, the insurer will cancel your policy. If this happens you will have to meet the cost of any medical treatment you have received
Different insurance companies and brokers may assess your risk to them in different ways. Very much depends on the companys attitude to cancer treatment.Some companies use staff without any medical experience to screen insurance applications.They may use a series of standard questions to assess your risk to them.If you have recently received treatment for cancer in, say, the last six or twelve months you will probably not be offered a travel policy on standard terms or you may be refused cover. Other companies use their own trained or medically qualified staff to screen your application.Your individual circumstances, including your condition, the treatment received and the prognosis will be taken into account.In some cases the screening may be done by a specialist health screening company.When contacting the company it is useful to have your past medical history and details, including dates, of diagnosis, treatment and medications you may be taking, to hand, as they will ask for this information.
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