If you are travelling to Iceland from the UK you should buy travel insurance that includes the geographical region of “Europe” to ensure that the insurance company will pay your claim if you need to make one. This link could help if you need to find a cheap travel insurance to Iceland
or a helping hand if you need some assistance.
If you are considering an annual multi-trip travel insurance then you need to ensure that the geographic region you choose covers all the regions you need to cover for the next 12 months, not just the region of Europe which you need for this trip to Iceland.
Sometimes it can be cheaper to buy a series of single trip covers rather than an annual multi-trip. For example if you have a couple of trips to Europe planned and one quick trip to the USA then there’s probably no point in buying 12 months of cover for the USA which would be much more expensive that Europe only cover.
You should ensure that you have an up to date EHIC (European Health Insurance Card).
The EHIC lets you get state healthcare at a reduced cost or sometimes for free when you are travelling within the European Economic Area (EEA) countries, including Switzerland but do not include treatment where you are going to move abroad or are travelling to receive medical treatment or to give birth abroad.
Your travel insurance company will expect you to have taken an EHIC with you so that in the event of a claim the medical costs are reduced to the extent that the EHIC can help.
Also, it’s important to remember that the EHIC is not a replacement for travel insurance as it will not pay for treatments that in your chosen country are chargeable to the local population. Furthermore the EHIC will not pay for you to be brought home should this be necessary or for any cancellation or delay or baggage costs.
By the way, if you find yourself needing emergency medical treatment when you are in the EU you can dial 112 which is the European emergency number that is valid in all EU/EEA member states. You can use it to access emergency services such as an ambulance or the police from any telephone or mobile for a free of charge call cost.
Declare any pre-existing medical conditions to ensure the travel insurance will payout when you need it in Iceland
It’s really important that before you leave the UK and travel to Iceland that if you have any pre-existing medical conditions that these are disclosed to your travel insurance company.
If you don’t disclose your pre-existing medical conditions fully this may mean that a claim for medical expenses in Iceland will be declined. Also if you don’t fully disclose medical conditions this could affect whether the travel underwriters will payout for a claim for cancellation if you fall sick before you go away, or worse if you need to be repatriated on medical grounds when you are on holiday in Iceland.
What is a “pre-existing medical condition”?
You need to declare to your travel insurance company whether you or anyone travelling with you has EVER had treatment for:
- Any heart or circulatory condition
- A stroke or high blood pressure
- Any breathing condition (including asthma)
Or if, within the last 24 months you have:
- Been treated for any serious / re-occurring condition
- Been referred to a specialist or hospital consultant for tests, diagnosis or treatment
- Been asked to take regular prescription medication.
Travelling to Iceland on a single trip or annual multi-trip policy (if you are making this journey regularly, perhaps to relatives or to a holiday home), need not be expensive if you shop around and use a specialist travel insurance comparison service. Also, look for reviews from existing customers to check out their customer service and see what help they may be able to provide for you.