sport, leisure
& travel
insurance a must for travel
O
38
rganising travel
insurance when you
have a disability can
be a nightmare. Link asked
insurance expert Richard
Laycock to give us his advice.
Know your medical history – this
insurers for an added price. It’s
can include any illnesses or injuries important that you compare policies
that have previously required surgery, online so that you are able to get the
medical conditions that currently require best value for money and the right
treatment or any treatments you have level of cover for your needs.
received within the last few years. You
may be asked to list the name of your medications are legal in the countries
your health, your insurer can make condition, the relevant medications, that you’re visiting.
sure you have an adequate level of whether treatment has taken place within
cover in place for your trip. Be aware, a certain timeframe, whether you’ve and you should make sure that airline
though, that the declaration of a been hospitalised recently and even staff are aware of your needs so that
pre-existing condition can sometimes whether you are a smoker or not. they can help if needed.
add extra costs to your premium and, in some cases, your insurer may have insurance providers cover a range of assessing your condition and eligibility
exclusions in place for that condition. standard pre-existing conditions at to travel.
If you’re not upfront about your no extra cost, so check your policy’s
condition, you may have difficulty Product Disclosure Statement (PDS). help moving around the terminal or
making a valid claim. Give as much If not, travel insurance for disabled airport. Richard Laycock is an Insurance
information to your insurer as possible. travellers is available through most Expert at finder.com.au.
Be honest – If you’re honest about
sport, leisure & travel
Get the right policy – many
Don’t forget – Make sure your
Wheelchairs should be serviced
Carry a doctor’s certificate with you
Alert airline authorities if you need
linkonline.com.au