EHIC, GHIC and medical emergencies abroad
EHIC and GHIC cover state healthcare in Europe, not cancellation or repatriation. Understand what the cards do and why travel insurance still matters.
Travel disruption and cancellation cover
Cancellation and disruption cover pays when a trip is cut short or cannot go ahead. Understand the triggers, the accepted reasons and the limits.
Winter sports cover in travel insurance
Winter sports cover adds skiing and snowboarding to a travel policy, usually as an extra. Understand what it pays and the exclusions that catch people out.
Baggage and belongings cover in travel insurance
Baggage cover caps the payout per item and in total. Understand the single-item limits, the excess and what is excluded from a claim.
Travel insurance and pre-existing medical conditions
A pre-existing condition must be disclosed or a travel claim can be refused. Understand what is covered, the questions to answer and where to find cover.
When a travel claim is rejected
A rejected travel claim usually comes down to disclosure, exclusions or timing. Understand the reasons and how to challenge the decision or complain.
Single-trip vs annual travel insurance
Single-trip cover suits one holiday, annual cover suits two or more. Understand which is better value once you travel more than once a year.