Everyone should know that travel insurance is a must when on holiday or vacation. Medical emergencies can cost up to $100,000 or more if an evacuation is required. Cancelled place, cruise or tour tickets can also be very expensive and sometimes there is nothing you can do it avoid it. Even theft of luggage can be costly now that more people travel with notebooks and mobile phones.

Sometimes you may not want to pay the cost of travel insurance. For long trips it may actually cost more for insurance than it does for airfares. This is especially true of backpacking holidays through places like Asia or Europe. Also backpackers may not have costly tours or luggage to be concerned about. The standard comprehensive level of holiday insurance is largely wasted on these people.

Many holiday insurance companies offer plans that accommodate the budget conscience and backpackers. These plans tend to cover general medical expenses such as hospital stays, doctor and surgical fees, dental costs, and medical evacuation. Sometimes these will also offer limited cover in other areas such as luggage, credit card and document replacement. It is up to you to decide if you want this as it will raise the premium.

In Australia some companies that offer budget and backpacker travel insurance are: iTrek Travel Insurance, Downunder Insurance, 1Cover Direct Insurance, Insure4Less, and Travel Insurance Direct. You should search for reviews to help determine the best policy for you.

Watch out for the excess. The standard excess tends to be $100 but some companies charge a higher excess to offer you lower premiums. It is usually best to avoid high excesses as it discourages claiming. However, this tends to not be a problem on budget holiday insurance as it really only covers costly medical expenses where the excess fee is only a fraction of what the bills would be.

Since each policy offers a different level of cover which its own terms and conditions it is wise to review the Product Disclosure Statement. This is mandatory in Australia and outlines all the conditions of the policy.

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It would be a bitter pill to swallow if you went on holiday to a foreign country and had all your luggage and medicine lost. Would you know what to do? If your wellbeing or your life depends on taking regular doses of your medicine then you can't afford to take any chances when travelling.

It can be baffling trying to organize taking your prescription medicines abroad with you. One important tip is to always carry the medicines in your hand luggage with your travel documents, money, and other important items (it's not a good idea to take out the doses you'll need during the flight and pack the rest in your luggage!) Keep all the medicines in your hand luggage for the duration of the journey in case your checked luggage is lost or misdirected. The medicine should always be kept in its original bottle or package, with the label affixed showing your name, prescribing doctor, and dosage information.

A little preparation before you leave will lessen the need for panic if the worst should happen - and also avoid you missing a dose. Most medicines should be available at pharmacies abroad, but be aware that they may be known by a different name. (The same applies for many over-the-counter medicines, such as allergy pills and pain killers). Before you leave, ask your chemist to provide written instructions about your medicine, the dose, and the name it is called in the country you plan to visit. Visit your GP well in advance of your trip to talk about any necessary vaccinations for your trip - especially if you have a medical condition which might complicate things - as the courses can take weeks or months to complete.

Another tip is to get the go-ahead from your doctor before you book your trip, and make sure that you will be able to obtain travel insurance to cover your pre-existing conditions. There are upper age restrictions on many travel insurance policies, and all pre-existing medical conditions must be declared. If a travel insurance company agrees to cover the risk associated with your condition there may be an additional fee to pay. Some insurers will not accept any pre-existing conditions at all, so the process of finding a suitable policy could take some time and you may need to shop around.

Your GP is permitted to prescribe up to a maximum of three months supply of most medicines for your travels. If you have an extended trip planned check to make sure that your doctor is willing to do this before you book. For all prescription medications you will need to obtain a letter from your doctor to take with you, especially for items such as diabetes equipment - syringes, etc. With the tight security at airports these days, you are likely to encounter problems if you try to get through without back-up documentation to vouch for your medicines and medical equipment.

If you take controlled drugs (such as methadone) check the rules for taking them into foreign countries as there may be restrictions. A letter from your doctor must be obtained, and if you plan to be gone for more than three months you will also need to obtain a personal license to carry the drugs. If in doubt about any medicine or medical equipment, check with your doctor, travel agent or airline or get in touch with the embassy of the country you plan to visit. HM Revenue & Customs provides useful information on their website. The Department of Health is a great resource, and the Foreign and Commonwealth Office (FCO) website also contains a lot of useful tips about travel (especially the 'Know Before You Go' section).

Although it's a good idea to apply for your European Health Insurance Card (EHIC) you should never rely solely on it, but always purchase a private travel insurance policy as well. Some countries do have reciprocal healthcare agreements with the UK, but many do not. In most cases you will be required to pay for prescribed medicines and apply for reimbursement when your return home. Your private insurance may pick up any of the non-reimbursable payments you have to make out of pocket. It is important to remember that the EHIC and your private travel insurance policy will only cover treatment which becomes necessary during your trip abroad due to illness or an accident. It will not cover you if you travel abroad for the specific purpose of receiving medical treatment.

As a last tip, it's a good idea to print out detailed information of what is and is not covered medically in the countries you plan to visit and take it with you. Always check for up-to-date advice and information before you leave. If you have access to the internet, type in EHIC, or check the Department of Health website for more information. A spoonful of sugar won't help the medicine go down or improve your mood if it gets lost abroad and you have no idea how to replace it!

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You do not have to rent an arrest of existing disease on the road. Many people with such a situation are still able to get travel insurance. But you must know how to lose by a travel insurance policy is right, or you might end your insurance premiums.

This article contains useful tips on how to minimize the risk of losing your travel insurance, just because you do not knowput his condition at the time of the acquisition open.

First you need to understand what having a pre-existing disease. If you have an illness or injury that is going to have, within a certain period of time before applying for travel insurance, you need a pre-existing disease. The period varies from insurer to insurer, and may vary from months to years for various conditions for themselves, so you need to do some work.

AnyThe disease is to explain, when applying for insurance cancellation of the trip. Read the pre-existing disease exclusion of insurance carefully. The exceptions are for the most common medical problems such as asthma, diabetes, cardiovascular problems (including hypertension), cerebrovascular (stroke and cerebral hemorrhage) and cancer.

If you travel with your family, to ensure that every member of the family is insured. The existing medicalConditions for each family insured must be disclosed separately.

Be sure to explain your claim form, if

You are on medications for cholesterol, diabetes and high blood pressure
You are in the reference period for any medical complications, regardless of whether a treatment or drug was started or not
Have recently test and have the green light
Were involved in an accident during the last twelve months
SufferedInjuries in the past year

Pregnant women should be aware that most travel insurance plans do not cover accidents in the last weeks of pregnancy and immediately after birth.

Application forms online for travel insurance is not sufficient to provide a complete list of questions. If you are unsure if you need to explain a disease, call or check the insurer, e-mail. If you are for your insurer, you will cryWrite the names of the officers who dealt with your request. Each written response, the insurer must be filed, if you need further reference was made.

If you have a medical condition, faces full of drug that had controlled without the need for further treatment as long as there is no need to secure additional coverage. Simply take your doctor write a letter to his contact information to confirm it. This allows your insurer to get in touchwith your doctor if you need more information. This could avoid unnecessary exclusion and saves a significant portion of the premium.

Buy travel insurance directly from the insurance company, not from your travel agent. If the tour operator goes under, then its policy. Make sure that you are medically fit to travel.

Finally, remember your trip at least three or four weeks before yourTrip. This gives you enough time to eliminate all the doubts that you may have regarding the pre-existing condition and the necessary documentation in support of your doctor.

If you buy travel insurance for pre-existing disease, is likely to face one of these three results:

1) the insurance covers your application in full, but a significantly higher premium

2) The insurance ismake your trip without coverage by the current health

Back 3) the insurance company, your application

Unless the insurance completely from your application, it is best to ensure that if you travel insurance, even if the insurance is not excluded pre-existing disease or additional premium is required.

This is because the medical costs could easily spiral caused more than ten thousand or even moreHundreds of thousands of dollars, depending on the situation. Payment of insurance premium will have a deserved rest, when you're away.

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