Not all single trip travel insurance policies offer the same
features; while some are outright, honest and transparent, there are
those that hide the real state of things - and how much coverage they
actually provide - by fudging the wording in the fine print or
performing the insurance policy version of a magician's 'sleight of
hand' and clever misdirection. To help you easily determine if you're
getting a good policy, here are some areas you must examine.
Medical Expenses
There
is probably no single trip travel insurance that does not offer medical
coverage, such as providing financial assistance if you encounter a
medical emergency during your travels. The difference, however, lies in
the extent of the coverage - how much the insurer is willing to provide
and how clear are its terms in providing it. For starters, a good policy
should provide cover for emergency medical or surgical treatment while
you're abroad, and given the current inflation rate, the amount of cover
should be no less than £1 million if you're travelling throughout
Europe, and no less than £2 million if you're visiting the USA. Of
course, this should include cover for getting you back home for the same
medical reasons. It is important to note, however, any medical
treatment that is not urgent or an emergency (meaning it can be
performed when you're back in your home country) is not usually included
in the cover.