Does income protection cover overseas travel?

I’m looking to take out income protection insurance and currently researching all the aspects of what’s on offer. One thing i’m struggling to find out more info on is overseas travel. Would i be covered if i have an accident or suffer an illness whilst abroad?

Question asked by Dale Bott
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Answered by Tom Conner

How the insurers view overseas travel when applying for Income Protection insurance

Income Protection Insurance will cover overseas travel, but there may be some variation as to how certain types of travel are viewed. Some distinction should be made between planned trips when taking out the cover and anything that might happen once the policy is in force.

What happens if you need to make a claim

If you need to make a claim when you are abroad, depending on where you are in the world at the time of claim and if you are residing in that country, the insurance company will normally pay your monthly benefit for a around 3-6 months, depending on the insurer. To receive a continuous payout you’ll normally need to return to the UK, or another Western European country, the North America or Australia & New Zealand.

What kind of information the insurers will want to know on application

When you complete your income protection insurance application with the specified insurer you will need to answer questions on your lifestyle and travel, these will normally include when and if you travel for business, where you have been in the last 2-5 years (generally excluding holidays of less than 3 weeks). From the application the insurer will decide if they can offer cover. Any travel plans that come about after you have already taken out the policy would be covered.

income protection
 
overseas travel
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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