With onestop4’s recent launch of the Fit-4-Travel policy to now also include cover for UK Expatriates who are residing in the EU, it’s important to understand what as an Expat you should look out for when buying travel insurance.

Whilst some other insurers do offer a travel insurance for EU residents living outside of the UK, we believe our product to be one of the most comprehensive and inclusive policies on the market, offering a range of unique features we feel are important for EU residents purchasing travel insurance. 

Our Fit-4-Travel insurance provides the cover you need and in our experience are most likely to need, as a traveller living in the European Union. Our knowledge and experience allows us to specialise in also offering travel insurance to older persons with serious medical conditions who are residents in EU countries outside of the UK. We pride ourselves on providing cover for travellers who struggle to find high quality travel insurance elsewhere.

It’s our experience that you are more likely to require treatment for a medical issue, or need to cancel your travel plans because of either your own, or someone on whom you trip depends, their health, deteriorates sufficiently requiring you to cancel your proposed trip. So when you compare other insurances with an excess of €250 you will be pleased when you see the excess we charge is €50 for medical treatment or cancellation and for a small premium of €9 or £9 (plus taxes if these are applicable to your Country of Residence) can waive the excess completely. This means you have at worst a low limit, or better still a nil limit on the cost that you must pay for treatment yourself or stand in the event of a cancellation.

Our cover includes a Medical Screening Service which can be undertaken online yourself or you can call us on  +44 (0) 1689 892 227 and we will then ensure we do cover those conditions that you declare and provide peace of mind, so that should you need to use the insurance whilst travelling you will be covered. It is important that you declare all health conditions when asked about your health, failure to do so would invalidate your policy. We operate an “all in” policy, so we cover all your health conditions and not just a select few.

If you find that you require ski or golf cover, or are planning on getting married abroad, then these optional additional covers can be purchased as optional extras and added onto your policy, thus allowing you to tailor your cover for your trip.

Our Fit-4-Travel insurance is designed to meet the needs of modern living to include today’s ever expanding British expatriate population living in the EU.  Our policy includes short trips within and outside your adopted European country of residence which have no age limits, giving you the freedom to travel whilst still knowing you are covered by a high quality British travel insurance policy you can trust. Alternatively we have an Annual policy which may make better financial sense if you travel a few times a year. Travel back to the UK is covered as though you were travelling in your home location or current Country of Residence – which is the lowest rated of all areas available for travel.

Fit-4-Travel Insurance is unique in providing cover for trips that include 2 nights pre-booked and paid accommodation in your adopted country of residence. This means that you can explore a new area or get to know the country your living in better, whilst still being covered by our insurance.

When buying travel insurance if you live outside of the UK it is important to make sure you are clear what you are purchasing. From our research some ‘Expat Travel Insurance’ may in fact refer to long stay or backpacker policies rather than for people who have residence in a European country outside of the UK. You may also find that many medical conditions are not able to be covered.

Onestop4 provides cover for UK Residents and UK Expatriates who are residing in Europe including: Austria, Belgium, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, and who are planning to travel from and return to their home location (meaning the country you have been permanently living in for at least six months of the twelve months before you buy this policy.)

If you prefer to buy your policy in £ sterling rather than € Euros then this option is also available to you.

Thinking of Holiday Insurance?

Holidays are supposed to be fun, relaxing and a chance to unwind for everyone. However, as many of us know, as soon as we let our hair down - we can become accident prone. After having fun, keeping safe should always be your number one priority when travelling abroad. Holiday insurance is the best way to protect yourself on holiday, the risks of travelling without insurance heavily outweigh the cost. Annual Multi-Trip policies offer great protection if you take more than one trip a year, and at oonestop4 these are available for travellers up to 86 years (of youth), which is very unusual.

Holiday insurance can come in handy, especially if, you have to cancel your trip. Onestop4 policies will cover you if your holiday has to be cancelled due to an unforeseen event occuring. If you accidently injure yourself whilst away, suddenly become ill, or even lose something – holiday insurance is there to provide you with that financial safety net, just in case. Onestop4 policies will also cover you if you lose cash and other personal belongings and importantly if you have any pre-existing medical conditions.

The peace of mind that comes with being insured, can sometimes far out way the benefits of actually having the insurance. This will instantly make you feel like you have more freedom abroad. If you want to go hiking? Bungee jumping? Swimming? It's not a problem with a onestop4 travel insurance, and you won’t have to worry about what would happen, if in the unlikely event something did go wrong.

Holiday insurance is all about planning for the best, but preparing for the worst. The majority of travellers understand this, and always take out insurance wherever they go. Not only does it give you extra protection, it will also make your family feel more at ease.

Unfortunately, stories of people having accidents abroad are more common than most travellers realise. The news is full with stories of people who have  had a mishap, whilst on holiday, so please don’t be another statistic.

Make sure to always get the best possible quote you can, don’t be tempted by cheaper deals – these can often have exclusions which mean you won’t be as protected as you may think or have hidden high excesses to pay if you do need to make a claim. Lastly, holiday insurance aside, have a great time!

Kate Huet Google+