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Hi everyone, I am joined today by Paul Beven and Rachel Edwards from Verisk. They are a leader in travel insurance underwriting, so we are taking a step into general insurance for this episode. 

Travel insurance is focused upon emergency assistance that you might require when you are on holiday. This could be do with your health, or are number of different situations that you might face. When it comes to health we are talking about the questions that are asked for travel insurance underwriting, the ways that medical risk scores are calculated and how changes to your health before you travel can be really important for annual policies.

The key takeaways:

• Travel insurance underwriting takes into account your medical conditions as well as the healthcare support at your destination, when determining your options.
• Travel insurance premiums are generally very low but the cost of a claim to an insurer can be well over £1m depending upon your needs and the country you are in.
• Mental health is one of the most disclosed conditions for travel insurance and we look at what this means for customers.

Next time Matt Rann will be back with me and we will be talking about heart valve disease and what this means for your life insurance, critical illness and income protection options. 

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.

If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.