Why Non-UK Residents Should Get Travel Insurance
If you are going to be travelling abroad, whether you like it or not, you need to be prepared for any accidents or injuries, since you would not really know if and when you will experience one — it is always better to be prepared for such situations rather than just trusting on the faith that it would never happen.
This is especially important if you are a non-resident of the UK.
How is a non-UK resident defined?
Well they are basically defined as someone who has only stayed in the UK for less than 180 days, and is therefore not considered as an actual resident
If you are travelling to a country where you would need to shoulder all medical expenses if you have an accident or you become ill, such as in countries outside of Europe like the United States, Thailand, Canada, or Turkey, it is a must for you to get travel insurance.
Travel insurance is not just about health.
However, there are some people that argue that they do not need to get travel insurance since they are young and healthy, they are not really setting out for a wild adventure, or they are just going to be staying in an urban area. What people need to understand is that travel insurance for non UK residents is not something that simply covers medical issues. If you noticed earlier, the terms used included “accidents,” and this is not limited to anything related to health. While you are overseas, your camera might break, your flight might be cancelled, and you might need to suddenly come back home because of an emergency, or one of your bags gets stolen. These situations can be covered by a good travel insurance for non UK residents. In a place where you are all alone and you have no person to turn to, you will need to get travel insurance for yourself in order to protect yourself and your belongings.
Travel insurance for non UK residents is something that you will be thankful for eventually when you come to need it, but you hope you would not have to. It will help you out of difficult situations, and so it pays well to learn how it works.
If you want to be covered by a very good plan, you need to be aware of what you should look for. There are a lot of available travel insurance for non UK residents in the market, and so there will be insurance companies that will not deliver as much quality service as you would hope.
What to look for in a non UK resident insurance plan
When checking out travel insurance for non UK residents, look for an insurance plan that has a high coverage limit for medical expenses. Good companies will offer up to £100,000 coverage, although you can also opt to have higher coverage if you are willing to pay more. The maximum coverage is a million pounds, although there really is no reason for you to have that much coverage, unless you will be travelling or staying overseas for a long time. A high coverage is important because medical bills can be very high in foreign lands, and it is important for you to make sure that all of your medical expenses are covered. You would not want to get cheap insurance with a £15,000 coverage, then get into an accident and reach that limit almost immediately before you are even finished with all of your treatments. Never be cheap when it comes to your health.
You should also make sure that the insurance you get covers emergency evacuation and care as well. These should be separate from your own medical coverage. In situations wherein you break your leg or you get into an accident, your evacuation to a medical facility should be covered. If a natural disaster happens where you are and you need to be evacuated, your evacuation should also be covered. This should cover the trip back to your home country, after you have stayed in a hospital. Although this is something that can always be found in standard insurance policies, it would still be very helpful if you double check with your insurance company. This should cover expenses of up to £300,000.
Other provisions non UK residents should look for when it comes to travel insurance
In addition, good travel insurance for non UK residents will include provisions such as:
- coverage for a lot of countries in the world
- some electronics coverage
- sudden injuries or diseases
- 24/7 customer service availability
- lost or stolen possessions such as jewelry, documents, and baggage
- hotel booking, flight, or car rental cancellations due to emergency situations
- emergencies which require you to leave the country immediately.
You should also make sure that your travel insurance includes situations wherein you get stuck in a foreign country, or if the company you are using suddenly goes bankrupt. If an insurance company does not cover these important points, do not subscribe to them.
It is important that you ensure you get the best travel insurance plan. You will never know what will happen to you while you are away, so it is best that you have protection when you need it.