Reading the small print on travel medical cover
A policy advertising ten million in medical cover sounds generous until you read which activities are excluded, how pre-existing conditions are handled, and whether repatriation is included or sold separately.
The four clauses that matter
- Pre-existing conditions and the declaration window
- Repatriation and whether a companion is covered
- Activity exclusions, including hired mopeds
- Alcohol clauses and what counts as reasonable care
Declare everything, even the condition you consider resolved. An undeclared condition is the single most common reason a travel medical claim is refused, and it is entirely avoidable.
1 min read
Nadia writes about personal insurance, claims and the small print most people never read. She has spent twelve years helping families pick cover that actually pays out.
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