Yes, the distance of travel can significantly influence the cost of travel insurance, and this difference isn’t solely based on medical conditions. Longer journeys, especially long-haul flights, come with additional risks such as the cost of repatriation in case of medical emergencies. Longer flight durations, changes in temperature and humidity and significant time zone changes, can all have adverse effects on certain medical conditions and the frequency of claims.
Moreover, the geographic classification of ‘Europe’ in travel insurance terms includes not only European countries but also any country bordering the Mediterranean, which might incorporate some North African countries. This broad definition affects the calculation of travel distance and subsequently the insurance cost. Longer distances like trips to the Far East, America, or South America generally incur higher premiums due to various factors, including the absence of reciprocal health agreements like those in place with certain countries like Australia.
These geographical and logistical factors must be considered alongside personal health conditions when assessing travel insurance costs. The further away the destination, the higher the likelihood of increased insurance costs, which is crucial for travellers to understand when planning trips. Additionally, if you are applying for life insurance and intend to live outside the EU for any period, this must also be disclosed to your insurer as it can affect their underwriting decisions.