There's always a first time for everything, and finding peace of mind is not exceptional. The question in today's ReiVRE: Money Talk-Travel Insurance is – "Will Tesco travel insurance give you that comfort?"
As the summer holiday season upon is us, many holidaymakers are already counting the days until they pack their bags and head for the sun.
Tesco Travel Insurance: Finding Peace of Mind
As the summer holiday season upon is us, many holidaymakers are already counting the days until they pack their bags and head for the sun.
Unfortunately holidays do not always go according to plan; in 2007 the top three claims received by Tesco Travel Insurance, were for baggage loss, which accounted for 40 per cent of the claims; medical treatment with 30 per cent and 20 per cent for cancellations.
Tesco’s Travel Insurance form has compiled a list of the most frequently asked questions from their policy holders, these include.
If my flight, ferry or train is delayed, what should I do?
At the time the delay occurs, make sure you obtain written confirmation from the airline, train or ferry company, giving exact details of the reason for and length of the delay, and pass on these details to your insurer. Check with the carrier as sometimes travellers are given vouchers entitling them to free refreshments.
While I'm away from home, what should I do in the event of loss or theft of my possessions?
Most importantly you should report any loss or theft to the police within 24 hours. If you are unable to contact the police, you should call either your tour representative or accommodation provider or carrier - for example, the airline or ferry company you travelled with.
What if I need medical attention while abroad?
If the medical condition appears to be serious, you should call our Emergency Helpline 0044 870 024 2796 (001 866 496 5249 for USA) as soon as you can for advice and assistance. Tesco Travel Insurance has treated customers for blood poisoning in Turkey, heart attacks in Mexico and road traffic accidents in the USA. For minor medical treatment, you should pay any bills yourself and keep the receipts as this will help us to deal with your claim.
Does Tesco Travel Insurance cover existing medical conditions?
Tesco Travel Insurance does not cover claims relating to existing medical conditions. This includes common conditions such as asthma and diabetes. If any of the following apply to you don't worry, you can still call us for a great value tailored quote on 0845 300 8800.
What is a travel insurance policy excess?
This is the part of the claim that you agree to pay - we cover you for the remaining amount up to the limit of your cover. Our claims consultants will tell you the amount of the excess and details can also be found in your policy schedule. We will deduct the amount of the policy excess from the settlement of your claim, or alternatively our appointed specialist or supplier will collect this amount from you on our behalf.
The insurance provider though states, the medical conditions that are not covered by their insurance policy, these include
- If the policy holder(s) are awaiting surgery or any form of medical investigation/treatment, either as a hospital inpatient or outpatient.
- The policy holder(s) have received medical treatment in the last 3 months for an illness or injury or have received medical treatment in the past month as a hospital in-patient.
- The policy holder(s) are taking medication or have had medication prescribed for an existing condition.
- The policy holder (s) is suffering from or has suffered from cancer or a heart-related condition.
Jim Bruce, head of Tesco Travel Insurance said:
"At this time of year, when people are looking forward to their hard earned break, it's more important than ever to reduce the chances of an unforeseen event spoiling your holiday. Ensuring you have adequate travel insurance is the first step, and knowing what to do in the event of a mishap is essential too. We hope that, armed with the answers to these frequently asked questions, travellers will be able to relax and enjoy their holidays,"
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Credit to: - Ruth is an author of several articles pertaining to Travel Insurance. She is known for her expertise on the subject and on other Business and Finance related articles
NB: for more valuable information and guideline visit: Travel Insurance Review
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