Link August 2017 - Page 40

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 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