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Travel Insurance

Travel insurance covers you for the cost of unexpected events that can occur while you are taking a holiday. Possibly the most important element is the cover for the potentially high cost of medical treatment and repatriation if you are injured or fall ill abroad.

There are many other features and benefits of a travel insurance policy and taking the time to place the most appropriate cover will prove invaluable should you suffer a misfortune.

What could happen?

In the same way as you could have an accident or illness at home, they all too often happen whilst on holiday. In fact, the risks are possibly higher whilst in unusual surroundings.

If you are travelling in the European Economic Area (EEA) you are advised to travel with a European Health Insurance Card (EHIC); this will allow you to receive treatment on the same basis (for example, free or at a reduced cost) as people who live in that country. The EHIC is not a substitute for travel insurance, it should get you emergency care in most situations but it may not be free and it will not get you flown back home or repatriated if you die abroad.

Travel insurance will provide more comprehensive medical protection in the EEA and will provide the vital cover needed in other parts of the world.

A very important aspect in taking out travel insurance is that you must check the acceptance criteria with regards to health. If you do not do this it might mean that your cover is invalid. If you have a pre-existing medical condition, or if you develop a new condition after you have bought your policy but before you travel, you must disclose this to your insurer.

How we can help?

We are able to help identify the most appropriate travel insurance arrangements for your needs, whether this is to protect you for just a single trip; or for a number of trips in a year with an annual policy.

We would always recommend that you buy your travel insurance from the moment you book your holiday, don’t leave it to the last minute. If you need to cancel a holiday, due to illness or death in the family for instance, the cancellation cover could be invaluable. Policies vary from insurer to insurer, but most travel policies include:

• Emergency medical treatment costs, including hospital charges and ambulance fees • Returning you home from medical treatment abroad if you cannot use your original ticket • Reasonable additional transport and/or accommodation expenses for a close relative or friend to stay with you or travel from the UK to escort you • 24 hour assistance helplines to offer support and advice about appropriate treatments • Personal liability cover, personal accident cover, lost and stolen possessions cover, cancellation and curtailment cover and legal expenses cover

Why customers choose Marlow Gardner & Cooke

We’re not a call centre, we don’t have call queues You talk to the same people; you know them, they know you We listen but also ask lots of questions; we tailor your solution around you We take ownership of problems and respond with solutions You can be confident your insurance has been set up correctly You can meet us face to face at our office or on site Our service includes risk management advice and claims support

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