LEARN INSURANCE

1. Is having a job whilst travelling okay? Well, not really, especially if it’s full-time. Some policies allow casual work such as fruit picking, mainly because of the backpacker market. But you never know what contacting the insurer will do. They may be able to work something out.

2. I forgot to get Insurance. Can I buy it after I leave? Technically you must be still in your home country when you buy your policy. As soon as you pass through airport security you are classed as having left the country. Buy before you fly.

3. What if I want to cancel my Travel Insurance after purchase? As with many contractual obligations, travel insurance has a two-week period in which you can return the product for a full refund. You can’t have used the insurance, though.

4. Do I need to tell my insurer f I have had serious medical problems in the past? Whatever the circumstances, if the insurance company asks about medical history give them everything. Then they have no way of refusing to pay for a claim because it involves a known condition which you were required to inform them about.

5. I’m worried that the recession could make my tour operator go bust. Am I insured for this? This really depends on the company, so check the policy document. If it is a big issue, you will eventually find someone to give the protection you desire.

Asking these questions before buying travel insurance should clear up any confusion. If your needs are straightforward, buying insurance is a quick and easy process, but ensure that there are no circumstances that could invalidate your policy.