Holidaysafe Travel Insurance Blog

Medical Direction in Majorca

2009-06-09T15:00:00.012+01:00

I have just returned from a trip to Majorca where I needed some medical treatment.

The wording on my Travel Insurance over 65 policy says that my policy excess would not apply if I used my EHIC card at a state hospital or with a state registered doctor.

Before I travelled I got a new EHIC card as my first one had only been valied for three years and had run out two months before I was due to travel.
Unfortunately there appears to be something going on over there as, when I felt unwell, I asked the holiday rep what I should do and she sent me to a private clinic who kept me in overnight.

This meant I would now have to pay the policy excess of £100 on my Travel insurance over 65 insurance, as the clinic were not interested in my EHIC card.

I subsequently found out that the state hospital, San Dureta was, in fact, nearer to my hotel than the clinic and had I gone there, I would have been dealt with as an outpatient and not lost a day of my holiday.

Living on a pension the additional £100 I now have to pay means alot to me. My Travel insurance over 65 policy made it clear that I would only save this amount if I went to a state hospital but thanks to the rep, I was sent to a private clinic.

I would advise anyone travelling to Majorca, find out where the state hospital is and, if you feel unwell, get a taxi there yourself.

Travel Insurance for a UK trip?

2009-05-26T13:43:00.002+01:00

Having recently been introduced to (by ‘been introduced to’ please read ‘crashed into’) the world of parenting we took the decision to abandon a foreign holiday this year in favour of a week in the Norfolk broads. Having done the research and finally agreed on a suitable boat, which was not the speed cruiser I was after (apparently), we got to the part of the booking that asked us if we required travel insurance.

In honesty I had not even considered travel insurance as we have an annual holiday insurance policy which covers trips in the UK as long as they are longer than two nights in duration. However, I consider myself to be part of the travel insurance world and as such was interested in what the tour operator offered.

Now, I appreciate that travel insurance is important even for a UK trip. You never know if you may need to cancel the trip due to an unforeseeable event or even become the victim of crime and have possessions stolen whilst away. However, I was frankly shocked at the cost. Two adults, both under forty years old and an infant under two years old - £33.50 sir? I have long been a supporter of the “you get what you pay for” ethos, and fully understand that if you want the best travel insurance product, you may need to pay a little more than average, but this seemed a little extreme. I compared the product details with a premier single trip policy from www.holidaysafe.co.uk, which based on exactly the same trip details, with comparable cover, came out at £11.11 for the family and only £41.27 for a Annual holiday insurance policy.

Where’s the catch I here you say?
Well, in truth there is not one. I guess that sometime the best travel insurance is not always the most expensive. I would like to qualify that however by saying two things:

Check the excesses, which is the amount you will be expected to pay in the event of a claim
If the excess is set very high, the policy will be very cheap because you will not have the ability to make a claim. If the cover levels are very low or some sections have no cover, check they are not important to you.

Check the cover levels
If the cover levels are very low the value of the policy is reduced as you will again see little return in the event of a claim. Also check that all of the sections of cover exist , If any sections are missing, check that they are not important to you.

There is a fine line between cheap travel insurance and worthless travel insurance. The best travel insurance has a good balance between cover levels, excesses and premium.

Swine Flu – are you covered?

2009-05-06T10:44:00.002+01:00

The answer is yes if you are unfortunate enough to get it. But no if you are cancelling for fear of getting it. Many people think that they can change their plans to travel to Mexico and make a claim for the costs on their travel insurance however this is not always the case.

The number of people affected worldwide since this pandemic was identified on April 25th has continued to rise. While the Chinese quarantined 70 Mexican citizens in a hotel until they were evacuated by air on May 4th, despite the fact that none showed any symptoms of flu and there has been a worldwide backlash since the pandemic began, the Foreign and Commonwealth Office (FCO) has only advised against ‘all but essential’ travel to Mexico. It is left to the individual traveller to determine what is or is not “essential”. Those with UK based travel insurance may find themselves caught between a rock and a hard place. If they decide to travel then they may find that cover for medical expenses is not in place but if they decide to cancel this may be treated as “disinclination to travel” a common exclusion on most travel insurance policies.

Although the threat level of the swine flu has risen to level 5 the World Health Organisation (WHO ) has not issued any instructions to restrict normal travel. This means that officially there is no reason not to travel to Mexico or any of the other destinations affected so unless your travel insurance includes cancellation “for any reason” then you are likely to find that “fear of pandemic” is also an exclusion on your travel insurance policy.

The good news is that if you booked before the start of the pandemic and are unfortunate enough to actually catch it then you will be covered if you are unable to travel and if you are abroad for the cost of any necessary treatment, vaccines, additional accommodation or even hospitalisation.

It is important to remember that each travel insurance policy is different and it is vital to read the Key Facts about the one you are thinking of buying to identify any specific or unexpected exclusions. If you are not sure then call for advice before hand and remember you do have a 14 day cooling off period from the date of purchase of your travel insurance during which you can ask for a full refund in order to look for an alternative, more suitable policy.

Backpacker travel insurance

2009-04-28T11:27:00.003+01:00

One of the teams student daughter is off to spend the summer break coaching at a North American summer camp. Like many concerned and probably over anxious parents she has used this as an exercise in researching backpacker travel insurance. Here are some of her findings:

My first concern is that she will have adequate medical expenses cover if she is taken ill or injured and I have established that this element of her backpacker travel insurance will need to be least £1,000,000. I will be writing down the details of the 24 hour medical emergency service in the UK and putting it in her purse and making sure she has it in her mobile phone as well, just in case there are any emergencies.

Then there is cover for her travel essentials, camera, MP3 player, clothes and more shoes than Imelda! Here the sums on backpacker travel insurance bear careful scrutiny as there are inner single item and valuables limits. I have discovered that often savings can be made if more expensive personal possessions are covered under the long suffering parents “new for old” house contents policy.

Backpacker travel insurance can be kept to a surprisingly reasonable premium by opting out of the frills such as travel delay cover and curtailment. My daughter will have a revalidateable ticket from a reputable airline so if she decides to cut her stay short no extra expense will be incurred here and hopefully she will be catered for in the event of delays en route. All that remains now is to apply for her visa, essential these days for travel to North America and to work out how to fit all those pairs of 4 inch heels into her shocking pink suitcase and stay within the 20 kilo weight limit !

If you are planning on a backpacking or longstay trip this year, dont forget to buy travel insurance. Holidaysafe.co.uk has specialist longstay and backpacker travel insurance from as little as 17pence a day.

What did you do Mum?

2009-04-20T11:48:00.004+01:00

I was recently chatting with a friend about her daughters upcoming backpacking trip. She thought I might find the content of a conversation with her daughter interesting. I did and we think you might too…

Daughter to mother: Did you go backpacking Mum?
Mother to daughter: Oh yes, 1965, me and my friend , ‘A’ levels behind us, rucksacks and acoustic guitars strung across our backs.
Daughter to mother: A guitar? I didn’t know you could play the guitar!
Mother to daughter: Well we all did in the sixties, a few chords, Joan Baez and the Woodie Guthrie song book, we thought we could sing our way around Europe. Did you buy travel insurance yet?
Daughter to mother: No don’t worry I will , where did you go?
Mother to daughter: Well we set off on the ferry from Dover to Ostend, there was a summer storm, it was really rough, one guy broke his arm falling over on deck and that was the end of his holiday and everyone was sick. You will remember to buy travel insurance won’t you?
Daughter to mother: Yes Mum don’t nag ! I’ve not even finished packing yet
Mother to daughter: Then we hitched a life across Belgium in an enormous truck. I still remember the feeling when we climbed out, it was the main square in the centre of Brussels, dawn was breaking on a beautiful day – we sat on the kerb sipping espresso coffee from the station buffet, watching the sun come up while the market traders set up their stalls and unpacked their carts and vans. The sheer joy of being young and healthy and free – I wanted that moment to last forever.
Daughter to mother: hitch hiking! Mum! You would never let me hitchhike!
Mother to daughter: well it was different back then, safer somehow, people were more trusting. You do need to buy travel insurance you know.
Daughter to mother: Mum you’ve said that a thousand times now, I will OK? Did you have any, you know, adventures? Near misses?
Mother to daughter: well...... there was a randy farmer at the youth hostel near Zurich... I was rescued by this gorgeous Dutch guy, six foot two and blond.
Daughter to mother: Mum! Too much information
Mother to daughter: And then there was the time we got stuck behind the Iron Curtain with no visa’s, Daughter to mother: What’s an Iron Curtain?
Mother to daughter: oh and then there was the guy in a car that stopped to pick us up on the autobahn in the Black Forest – had no trousers on.
Daughter to mother: And you tell me to be careful!
Mother to daughter: Can I buy travel insurance for you?
Daughter to mother: Whatever mum, if it will make you happy

Mother: So there I was typing travel insurance into a search engine at midnight for my daughter, well, for me really. A lifeline for her so she too can go travelling and bring back memories to share with her daughter in years to come. Peace of mind for me that should something go wrong, I will know she is covered.

Holidaysafe.co.uk travel insurance offers specialist cover for people travelling on an extended stay which is ideal for students, backpackers and gap year travellers. We offer cover for travel up to 18 months with cover starting from just 17p a day!

You can get a quote and instant cover by going online to http://www.holidaysafe.co.uk/travel-insurance/backpacker-travel-insurance.html

Prices are correct at time of going to press (April 2009) and are subject to change.

Happy Easter!

2009-04-09T16:07:00.002+01:00

The team at holidaysafe.co.uk would like to wish you a very happy Easter.

If you are planning a trip this Easter or school half-term, dont forget to buy travel insurance.

Holidaysafe.co.uk has special last minute single trip travel insurance policy for Europe based on a family of four starting at a little under £14.00^. Very reasonable I am sure you agree.

To get a quote or to buy travel insurance, please click here.

^Includes Insurance Premium Tax is based on 2 adult aged under 35 and 2 children under 17 years taking out a ‘last minute’ single trip travel insurance policy for 7 days in Europe. Cover details and prices are correct at time of going to press (April 2009) and are subject to change.

The great travel adventure

2009-04-03T14:41:00.004+01:00

Travelling, experiencing new cultures, meeting new people and experiencing new sites, sounds and smells will make up some of your longest standing and probably most cherished memories. As with anything however, a little planning can go a long way. The foreign and commonwealth office run a campaign called Know Before You Go (KBYG) which is packed with lots of useful information on travel. Recently, they have also published some literature called ‘World Wise’. The guide is packed with a lot of useful tips and travel information to help you plan to get the most from your trip.

The brochure is free and is available by clicking here.

You will notice that page 6 of the document is dedicated to the need for suitable travel insurance. Those of you that have read previous holidaysafe.co.uk blog posts, will of course remember previous information talking about how important it is for you to buy travel insurance. With that in mind as part of all your planning, don’t forget to buy travel insurance.

Holidaysafe.co.uk is able to offer two weeks european travel insurance cover from as little as £8.01^.
For a quote and to buy travel insurance please click here.

^Includes Insurance Premium Tax is based on 1 adult aged under 35 taking out a ‘last minute’ single trip travel insurance policy for 14 days in Europe. Cover details and prices are correct at time of going to press (April 2009) and are subject to change.

Travelling with a baby this summer?

2009-03-24T10:18:00.007Z

Travelling with a baby this summer?

In your hand luggage…
Calculate your journey time and factor in delays to help you figure out how much to take. The basics include all the bottle and food paraphernalia, bibs and cloths for wet burps, a dummy, and, depending on the length of the trip, possibly some sterilizing equipment (steritabs and a plastic bowl or beaker) as well. You'll also need a supply of nappies, wet-wipes and nappy cream, plastic bags to stash soiled items until you can next dispose of them, and a changing mat - a compact roll of plastic sheeting will do. A toy or some music to sooth and keep your baby entertained is also worth having. Otherwise, and in anticipation of the odd mishap, take extra clothes for your baby and tops for yourself - breastpads too, if you're breastfeeding. Finally, carry some teething gel, and a basic medical kit.

Babies and passports?
Yes, it's a requirement for all UK citizens these days. Just bear in mind that if the photograph no longer resembles your child, you should get it updated. And if you're travelling as a lone parent, it's safest to carry consent forms to travel from the absent parent - the chances of you being stopped and asked for such papers increase if you don't share your baby's surname or looks. The requirements for this vary, so do check with the consulate of the country you plan to visit.
Before booking check with your GP or a specialist Travel Clinic about immunisations. Make sure they are up to date and that no extra ones are needed. Some are not available for children under two years old or may be dangerous to pregnant or nursing mothers.

Baby milk on a plane?
Yes it is okay. So long as the amounts of milk (and baby food) are within what's reasonable for the journey. But always check the latest security information as the specifications for packing, in particular, change frequently. Water is a different matter - it's unlikely that you'll be allowed to carry all you need; so check to avoid having to ditch supplies - bear in mind that you will be able to get more within airports and on board planes. Don't forget that nappy cream also comes with restrictions; so carry a small jar (less than 100ml) and relegate the bumper pack to your checked-in luggage.

http://www.tinytotsaway.com/ is a great site with lots of information for travelling families. Well worth checking out, but before you do…

Don’t forget to buy travel insurance
Holidaysafe.co.uk offers free cover to infants under 2 years old, so for two adults and a baby under two travelling within Europe, covers starts from a very reasonable £14.49*
Family travel insurance, say two adults and two children, on the same basis starts from just £16.10^

*Includes Insurance Premium Tax is based on 2 adults aged under 35 taking out a ‘standard’ single trip travel insurance policy for 7 days in Europe. Cover details and prices are correct at time of going to press (March 2009) and are subject to change.
^Includes Insurance Premium Tax is based on 2 adults aged under 35 and 2 children aged under 17 taking out a ‘standard’ single trip travel insurance policy for 7 days in Europe. Cover details and prices are correct at time of going to press (March 2009) and are subject to change.

Planning a longstay or backpacker trip?

2009-03-10T14:40:00.004Z

If you are planning a gap year or backpacker trip abroad, there are lots of things to organise. From where you will go, how much it will cost, is your passport valid to getting the right travel insurance. One thing that might be worth considering is a service offered by the Foreign and commonwealth office called LOCATE.

You can register your contact details and travel plans online so that the local British embassy will know your coming, as well as being able to contact you in the event of a major catastrophe or assisting friends and relatives to contact you in case of a crisis situation at home. Not only will this assist you in the event of a catastrophe , it will help in providing loved ones with peace of mind that they can locate you.

The service is open to all British Nationals and once you have registered you can update your details online from anywhere in the world. This service also enables you to subscribe to receive country travel advice email alerts, which could be very beneficial when you are on your trip.

Further information and an application form is available by clicking here.

Before checking this link out, don’t forget to get a quote and buy travel insurance by clicking here. Holidaysafe.co.uk has specialist longstay and backpacker travel insurance from as little as 17pence a day.

Looking for some March sun?

2009-03-03T16:08:00.005Z

Looking for a sun holiday abroad during March but not sure what destinations might work, could be worth considering:

Brazil – with average temperatures of 28ºC
India – with average temperatures of 27ºC
Botswana - – with average temperatures of 25ºC
Thailand - with average temperatures of 27ºC
Australia - with average temperatures of 29ºC
Peru - with average temperatures of 24ºC
Dubai - with average temperatures of 22ºC
Egypt - with average temperatures of 22ºC
Chad – with average temperatures of 29ºC

Don’t forget your holiday insurance!
If you are taking a trip this month, or in the near future, make sure you buy travel insurance before you go. Holidaysafe.co.uk travel insurance offers a family 7 days Worldwide cover from just £28.76^. You can get a quote and instant cover by going online to http://www.holidaysafe.co.uk/.

^Includes Insurance Premium Tax is based on 2 adults aged under 35 and 2 children aged under 17 taking out a ‘standard’ single trip travel insurance policy for 7 days in Europe. Cover details and prices are correct at time of going to press (March 2009) and are subject to change.

Local cuisine from around the world

2009-02-24T09:02:00.004Z

Part of any trip abroad is sampling the local cuisine. However, without a little pre-trip preparation, this can sometimes feel like you have been entered as a contestent on "I'm a celebrity, get me out of here". In an effort to assist, please find a sample of countries and their traditional dishes that you can expect when travelling there.

Chile
Chile has a wide variety of foods, including seafood, beef, fresh fruit, and vegetables. A traditional Chilean meal is pastel de choclo, a "pie" made with corn, vegetables, chicken, and beef. This dish is usually served with ensalada chilena (Chilean salad).

Brazil
Rice, black beans, and manioc (a root vegetable like a potato) are the main foods for many Brazilians. The national dish is feijoada, a thick stew of black beans and pieces of pork and other meats. It is usually served with orange salad, white rice, farofa (ground manioc), and couve (kale), a dark green leafy vegetable that is diced and cooked until slightly crispy.

Egypt
Egypt has a variety of national dishes. Ful (pronounced "fool," bean paste), tahini (sesame paste), koushari (lentils, macaroni, rice, and chickpeas), aish baladi (a pita-like bread), kofta (spicy, minced lamb), and kebab (grilled lamb pieces) are the most popular.

Peru
The Peruvian cuisine largely consists of spicy dishes that originated as a blend of Spanish and indigenous foods. Such dishes are often referred to as Criolla, or Creole. Aji (chili) is the most popular spice in Peru and is used in a variety of ways to give food extra flavor. Aside from spices, however, potatoes, rice, beans, fish, and various grains are essential staples (foods eaten nearly everyday) in the Peruvian diet.

Morocco
Morocco, unlike most other African countries, produces all the food it needs to feed its people. Its many home-grown fruits and vegetables include oranges, melons, tomatoes, sweet and hot peppers, and potatoes. Five more native products that are especially important in Moroccan cooking are lemons, olives, figs, dates, and almonds. Located on the coast of the Mediterranean Sea, the country is rich in fish and seafood. Beef is not plentiful, so meals are usually built around lamb or poultry.

Sweden
Traditional Swedish home cooking (called husmanskost) is simple in comparison with other European cuisines, but it is anything but ordinary. Husmanskost, once referring to tasteless porridge and other gruel, has come to represent savory stews, roasts, and various seafood.
The ultimate in husmanskost is the Swedish smörgåsbord (SMUR-gawssboord), which is a number of small hot and cold dishes served buffet-style. The literal meaning of the word is "bread and butter table." The term has become world famous, representing a collection of various foods, presented all at once. The traditional Swedish smörgåsbord commonly includes herring (fish); smoked eel; roast beef; jellied fish; boiled potatoes; lingonsylt (LING-onnseelt; lingonberry jam); Janssons frestelse (YAHN-sons FREH-stehl-seh; "Jansson's temptation"), a layered potato dish containing onions and cream, topped with anchovies (fish); and köttbulla (CHURT-boolar; Swedish meatballs), which have also won worldwide acclaim. It is easy to see why the literal meaning of smörgåsbord, "bread and butter table," does the feast little justice.

Thailand
Rice is the main dietary staple of Thailand. Thais eat two kinds of rice: the standard white kind and glutinous, or sticky, rice. Sticky rice rolled into a ball is the main rice eaten in northeastern Thailand. It is also used in desserts throughout the country. Rice is eaten at almost every meal and also made into flour used in noodles, dumplings, and desserts. Most main dishes use beef, chicken, pork, or seafood, but the Thais also eat vegetarian dishes.

Vietnam
Plain rice (com trang) is at the center of the Vietnamese diet. Steamed rice is part of almost every meal. The Vietnamese prefer long-grain white rice, as opposed to the short-grain rice more common in Chinese cooking. Rice is also transformed into other common ingredients such as rice wine, rice vinegar, rice noodles, and rice paper wrappers for spring rolls.
Rice is also used to make noodles. There are four main types of rice noodles used in Vietnamese cooking. Banh pho are the wide white noodles used in the quintessential Vietnamese soup, pho. Bun noodles (also called rice vermicelli) look like long white strings when cooked. Banh hoi are a thinner version of bun noodles. In addition, there are dried glass, or cellophane, noodles (mien or bun tao) made from mung bean starch.

Don’t forget your holiday insurance!
If you are taking a trip in the near future, make sure you buy travel insurance before you go. Holidaysafe.co.uk travel insurance offers cover for a family for 7 days in Europe from just £13.70* and Worldwide from just £28.76^. You can get a quote and instant cover by going online to http://www.holidaysafe.co.uk/.
* Includes Insurance Premium Tax is based on 2 adults aged under 35 and 2 children aged under 17 taking out a ‘standard’ single trip travel insurance policy for 7 days in Europe.
^Includes Insurance Premium Tax is based on 2 adults aged under 35 and 2 children aged under 17 taking out a ‘standard’ single trip travel insurance policy for 7 days in Europe.
Cover details and prices are correct at time of going to press (December 2008) and are subject to change.

Source: http://www.foodbycountry.com

EHIC replaces the E111 - Important information

2009-02-16T13:59:00.007Z

Useful information on the European Health Insurance Card, which replaced the E111:

An EHIC entitles you to free, or reduced-cost, medical treatment, if you become ill, or have an accident, while you're visiting Europe. From 2005, the EHIC card replaced the E111 form which is no longer valid..
If you're travelling to mainland Europe, and you haven't got an EHIC, you should apply for one before you go. Make sure that you allow enough time for your card to arrive before you travel. The delivery times vary, depending on how you apply.

How many cards do I need to apply for?

Every family member needs to have their own EHIC.
You can apply for all your family's cards at the same time. As well as your own EHIC, you can get cards for:

your spouse, or partner, and
any children up to the age of 16 (or 19 if they are in full-time education).

When you apply, for each person, you will need:

their first names and surname (family name),
date of birth, and
NHS number, or national insurance (NI) number.

Who is eligible for an EHIC?

If you're a UK national (citizen) who normally lives in the UK, an EHIC entitles you to free, or reduced-cost, medical treatment when you're visiting Europe. However, it's not valid if:

you're going to live in Europe, or
getting medical treatment is the main purpose of your trip.

Some non-UK nationals living in the UK can also apply for an EHIC. However, there are some restrictions, depending on your nationality. For example, EHICs for some non-UK nationals are not valid in Switzerland.

How long is the EHIC valid for?The EHIC lasts for five years. When your EHIC expires, you can renew it:

using the online form,
by phone - call 0845 605 0707,
or by post

Where is the EHIC valid?

The EHIC is valid when you visit a country in the European Economic Area (EEA) or Switzerland. EEA countries include:

all countries in the European Union (EU),
Iceland,
Liechtenstein, and
Norway.

Although it's not a member of the EEA, or the EU, Switzerland has an EHIC agreement with the EU.

What treatment does the EHIC cover?

The EHIC entitles you to state-provided medical treatment only. Private treatment is not usually covered.
If you need treatment due to an accident, or illness, it will be provided free, or at a reduced cost. However, some treatment that is free under the NHS in the UK will not necessarily be free in other countries. You may have to make a contribution to the cost of your care, but this can usually be covered by private travel insurance.
The EHIC covers treatment for chronic diseases, or existing illnesses. If you're pregnant, it also covers routine maternity care while you're away.

The EHIC does not cover going to an EEA country, or Switzerland, specifically to get medical treatment, or to have a baby.

Remember that even with an EHIC, it's still advisable to take out full travel insurance in order to ensure that you're covered for all eventualities.

You can get your EHIC card online, by clicking here

Don’t forget your holiday insurance!

If you are taking a trip in the near future, make sure you take out holiday insurance before you go. Holidaysafe.co.uk travel insurance offers cover for a family for 7 days in Europe from just £13.70*. You can get a quote and instant cover by going online to http://www.holidaysafe.co.uk/.
* Includes Insurance Premium Tax is based on 2 adults aged under 35 and 2 children aged under 17 taking out a ‘standard’ single trip travel insurance policy for 7 days in Europe. Cover details and prices are correct at time of going to press (December 2008) and are subject to change.

ESTA - Electronic System for Travel Authorisation

2009-02-09T16:19:00.003Z

Visitors to the USA may be aware that they have changed their entry procedures. The original paper based I-94 system has been updated and replaced by the introduction of ESTA-(Electronic System for Travel Authorisation). Online completion of ESTA is now mandatory for all Visa Waiver Programme travellers to the USA.

This new system has been mandated by US Government legislation, following 9/11 and is very much based on a similar system called ETA that has been working successfully in Australia for some years.

ESTA applications should be submitted as soon as travel arrangements are made. It is recommended that the application is submitted at least 72 hours before departure, however the system will accommodate last minute travel. You can apply directly from the ESTA site by clicking here.

Once the online application has been completed and, assuming it is satisfactory, the system will normally respond with an approval very quickly. Travellers should make a note of the ESTA approval number in case they need to access their application later – such as updating a travel itinerary. Some applications may take up to 72 hours to approve whilst data is checked. Currently there is no charge for an ESTA application and no more information is sought than has been required under the I-94W system.

Each family member travelling is required to complete an ESTA application and third party entry of data into ESTA is permitted – whether a relative or not. However the third party must be completely certain as to the accuracy of such entries. Any inaccuracies will be taken up with the applicant - NOT the third party and the applicant remains totally responsible for their own records.

Updating ESTA data for repeat visits within the 2 year ESTA duration is recommended but is not mandatory. I.e. Upon entry into the USA, the Customs and Border Protection Officer may ask additional questions if a traveller’s current itinerary differs from information submitted in the ESTA application. Updating ESTA with new arrival and first night’s stay data could save time at the point of entry and result in fewer questions.

Don’t forget your holiday insurance!
If you are taking a trip in the near future, make sure you take out holiday insurance before you go. Holidaysafe.co.uk travel insurance offers cover for a family for 14 days in the USA from just £36.05*. You can get a quote and instant cover by going online to http://www.holidaysafe.co.uk/.

*Prices are correct at time of going to press (January 2009) and are subject to change. Prices are based on 2 adults under 35 years old and 2 children under 18 years old travelling for a 14 day period to the USA.

Local customs to consider when travelling

2009-01-27T10:41:00.004Z

Did you know?
Never pass or accept anything with your left hand when you’re in Indonesia – it is seriously rude.

When paying for items in Mexico, do not “pay the counter” as this is considered very disrespectful. Instead ensure you place the money in the hand of the person.

Don’t blow your nose in public in Japan, it is an offense.

When in Brazil, do not be tempted to circle the thumb and index finger to form the “okay sign” as it is considered vulgar.

Don’t chew gum, drop litter, spit or fail to flush the toilet in Singapore as it is illegal

If you are in Bulgaria, remember that they shake their heads from side to side to indicate yes and move their heads up and down to indicate no.

When taking items from people in Asia, use both your hands. It is a sign of respect.

Do not touch someone on the head in Thailand. The head is considered to be very sacred here.

Don’t forget your specialist backpacker or gapyear travel insurance!
If you are taking a trip in the near future, make sure you take out travel insurance before you go. Holidaysafe.co.uk travel insurance offers specialist cover for people travelling on an extended stay which is ideal for students, backpackers and gap year travellers. We offer cover for travel up to 18 months with cover starting from just 17p a day!You can get a quote and instant cover by going online to http://www.holidaysafe.co.uk/travel-insurance/backpacker-travel-insurance.html

Top ten fastest growing destinations for inclusion on a gap year

2009-01-20T16:15:00.003Z

Top ten fastest growing destinations for inclusion on a gap year trip:

GOA
Explore Chennai and visit the 7th century shore temples in Mamallapuram. Stay on an island homestay in Kerala and visit the spice bazaar and beautiful Dutch palace in Kochi. End your adventure unwinding on Goa’s laid-back beaches.

Krabi and Phuket
Stay in Bangkok before taking an overnight train journey to Khao Sok National Park staying in the jungle before heading to the Krabi Province, famous for its unspoilt beaches. From here spend the days exploring the diverse sights of Malaysia including Penang, the Cameron Highlands, Kuala Lumpar and Melaka.

Panama
See the best of Southern Costa Rica and Northern Panama by starting your trip at the Panama Canal, an extinct volcanic crater and explore the archipelago of Bocas del Toro. With Panama still off most travellers’ radars, it is the perfect place for a genuine discovery experience with activities ranging from fantastic bird watching to white water rafting.

Reykjavik
Enjoy a day trip taking in the best bits of Iceland from the lava fields to the warm mineral-rich waters of the Blue Lagoon. There is lots to explore to get the best of prehistoric and contemporary Iceland, visiting lighthouses, seabird colonies, fishing villages and even a multimedia exhibition.

Kilimanjaro
Mount Kilimanjaro stands at an impressive 5,895m and is Africa's highest peak and the tallest freestanding mountain in the world. Trek the famous Marangu Route stay in comfortable sleeping huts, equipped with beds and mattresses. You’ll need a good night’s sleep

Sandaka in Borneo
Explore the tribal villages, hot springs and the orangutans. Learn about mountain folklore on a Dusun homestay and climb Mount Kinabalu to enjoy breathtaking views.

Costa Rica
Some of Costa Rica's must-see highlights include amazing wildlife, intense volcanic landscapes and superb Pacific beaches. Enjoy an unforgettable night hike into the base of the still active Arenal Volcano or relax in lush hot springs. While you’re there try out white-water rafting, horseback riding and boogie boarding.

Nadi in Fiji
See the real Fiji with a hop on, hop off bus pass. Explore beaches, rainforest treks, boat trips and local life covering the whole of Fiji's breath-taking main island, Viti Levu.

North India
Discover Rajasthan by taking in the sights of Old Delhi and the Shekhawati havelis. Take a camel safari to Jaisalmer and bird watch at Keoladeo Sanctuary. See the royal palace of Udaipur, visit the Jain temple of Ranakpur, and shop in a Jodhpur bazaar

Sri Lanka
Combine relaxation and sightseeing as you travel from Negombo to Colombo. Cycle through the ruins of Polonnaruwa, climb the fort at Sigiriya, visit ancient Anuradhapura and experience Kandy's music scene.

Don’t forget your specialist backpacker or gapyear travel insurance!
If you are taking a trip in the near future, make sure you take out travel insurance before you go. Holidaysafe.co.uk travel insurance offers specialist cover for people travelling on an extended stay which is ideal for students, backpackers and gap year travellers. We offer cover for travel up to 18 months with cover starting from just 17p a day!
You can get a quote and instant cover by going online to http://www.holidaysafe.co.uk/travel-insurance/backpacker-travel-insurance.html

Prices are correct at time of going to press (January 2009) and are subject to change. Destination information supplied by gap year travel experts STA Travel (http://www.statravel.com/) and first published on http://www.gogapyear.com/pages/popdest.php

Could it be the stars that dictate the way people buy and claim on their annual holiday insurance?

2009-01-12T09:25:00.002Z

When it comes to identifying how, when and why we buy annual holiday Insurance there are few trends these days. Could the so-called astrological traits given to the signs of the zodiac provide some clues. For instance those that fall under Taurus are supposedly grounded and practical and those of Cancer allegedly seek security and comfort could these traits urge the people who fall under these signs, not to chance going on a trip without adequate annual holiday insurance.

When we buy travel insurance the intention is to not make a claim but when insurance is claimed upon, could looking at the traits of the zodiac bear any relation to the way travellers claim on their policies.

From a recent study of annual holiday insurance claims data, Capricorns appeared to have the most problems abroad in recent times with figures showing that 50% more travellers claimed on their travel insurance than any other sign of the zodiac.

It is said that a trait of Capricorns is that they are often quick to take advantage of a situation could this be the reason why so many have made a claim?

Both Gemini’s and Aquarians had a high frequency of claims for curtailment or cutting short their trips. Does the split personality of Gemini’s or the search for perfection from those that are Aquarians cause the underlying need to claim or is it just a coincidence.

When we buy travel insurance we all look to see the cover the travel insurance will provide in the event that we need emergency medical treatment whilst on a trip. The biggest claimers under this particular section are the signs Aries, Scorpio and Pisces. Arians and Pisceans are alleged to have the traits of being Active, adventurous and having good natural intuition, are these the traits that see these signs push themselves to participate in an activity and get hurt or take for granted that they cannot get hurt or fall ill. In contradiction Scorpio’s are said to be meticulous, deliberate and cautious, you would think that these traits would see them take fewer risks and be prepared for all eventualities. In fact the signs of Libra and Virgo were the less likely to make claims on their travel insurance for medical expenses. Both of these signs are said to be very analytical and like to be in control of their surroundings and environment, could this mean they wouldn’t throw themselves into a situation that could see them get hurt.

The travel insurance industry is unlikely to conclude that the traits supposedly linked to the signs of the zodiac effect the way we claim on our annual holiday insurance, however the next time you think of making a claim just take a moment to think about whether there is something in all that astrological nonsense you have heard so much about but always dismissed!!

New Years celebrations around the world

2009-01-05T16:12:00.004Z

New Year's Eve

In Brazil, celebrations are held around the nation. Most famous is the celebration in Rio de Janeiro which occurs in Copacabana beach, drawing 1.5 to 2.5 million people.
In Australia, celebrations are held around the nation, especially in Sydney, where one of the world's largest fireworks displays draws 1 to 1.5 million people to the harbour. Australia is one of the first countries in the world to celebrate the new year.
In New York City, the now 11,875-pound (5,386-kg), 12-foot-diameter (3.7-m) Times Square Ball located high above Times Square is lowered starting at 11:59:00 p.m., or the last minute of the year, and reaches the bottom of its tower at the stroke of midnight with fireworks. It is sometimes referred to as "the big apple" like the city itself; the custom derives from the time signal that used to be given at noon in harbours.
Other ball drops occur in Copacabana beach in Rio de Janeiro and Sydney Harbour.
In European countries, the New Year is greeted with massive private fireworks. This day is also the occasion to make bonfires of discarded Christmas trees in some countries.
In Russia the New Year is greeted by fireworks and drinking champagne. The New Year is considered a family celebration, with lavish dinner tables and gifts. The president of Russia normally counts down the final seconds of the "old year", as it is called in Russia. A giant clock tower chimes in the new year, and it is customary to make a wish with each chime.
In South Korea, the most popular way of celebrating New Year's Day is to travel to Jung dong jin, the place on the peninsula where the Sun can first be seen each day.
In Scotland, there are many special customs associated with the New Year. Known as Hogmanay, the Scots name for the New Year celebration.
The Peach Drop in Underground Atlanta, Atlanta, Georgia, United States.
In Davos, Switzerland, the final match of the Spengler Cup Ice Hockey Tournament is usually held on this day by tradition.
In the Philippines, people light fireworks, loud firecrackers, booming sound system, bamboo canons as well as make a lot of noise. Coins are also jumbled in tin cans to make noise with the belief that this will bring more money to the revellers.

New Years Day

In England and Scotland an extra round of football fixtures is played (unless New Year's Day falls on a Thursday, Friday or Sunday).
In Pasadena, California, United States, the Tournament of Roses is held, with revelers viewing the parade from the streets and watching on television, followed by the Rose Bowl college football game. The game is one of several postseason bowl games played in college football in the United States
Polar Bear Clubs: in many northern hemisphere cities near bodies of water, they will have a tradition of people plunging into the cold water on New Year's Day. The Coney Island Polar Bears Club in New York is the oldest cold-water swimming club in the United States. They have had groups of people enter the chilly surf since 1903.
In Philadelphia, the Mummers Parade is held on Broad Street.
Hindus celebrate the new year by paying respects to their parents and other elders and seek their blessings. They also exchange tokens of Good Wishes (Kai Vishesham).
The New Year's Day Parade is held in London. Performers include acts from each of the city's 32 boroughs, as well as entertainment from around the world.
In the southern United States, people traditionally prepare a meal of collard greens and black-eyed peas for a year of good luck. A dime is often placed beneath the plate as a part of the tradition.
In Pennsylvania and Ohio, it is common to celebrate New Year's Day with a meal of pork, sauerkraut, and mashed potatoes. The practice comes from a Pennsylvania Dutch tradition that dictates these foods will bring good luck in the new year.

Don’t forget your holiday insurance!
If you are taking a trip in the near future, make sure you take out holiday insurance before you go. Holidaysafe.co.uk travel insurance offers cover for a family for 7 days in Europe from just £13.70*. You can get a quote and instant cover by going online to http://www.holidaysafe.co.uk/.

* Includes Insurance Premium Tax is based on 2 adults aged under 35 and 2 children aged under 17 taking out a ‘standard’ single trip travel insurance policy for 7 days in Europe. Cover details and prices are correct at time of going to press (December 2008) and are subject to change.

Source:http://en.wikipedia.org/wiki/New_Year's_Day

Fun flight facts

2008-12-22T15:41:00.005Z

Some interesting flight facts for the festive season…

American Airlines saved £27,000 in 1987 by eliminating one olive from each salad served in first-class.
British Airways launched the world's first daily scheduled international air service between London and Paris back in 1919. The flight took 2 hours and 30 minutes and cost £21 per passenger.
Chicago's O'Hare International Airport is the world's busiest airport. An airplane takes off or lands every 37 seconds.
The average number of people airborne over the US at any given point is 61,000.
Hijacking of airplanes was only outlawed in 1961.
In 2001, Dubai duty free sold 1,570,214 cartons of cigarettes, 2,003,151 bottles of alcohol, 2,909 kilograms of gold, 101,824 watches, 690,502 bottles of perfume and 52,119 mobile phones.
In-flight catering is an £12 billion worldwide industry employing nearly 200,000 people.
KLM is the worlds' oldest airline established in 1919.
More than 500 times as many people die on U.S. roads as in airline accidents
In Alaska, it is illegal to look at a moose from the window of an aircraft
A boeing 747-400 has six million parts, half of which are fasteners.
The 747-400 wing measures 5,600 square feet (524.9 m 2 ), an area large enough to hold 45 medium-sized automobiles.
According to FlightSafe Ltd the three safest airlines are KLM, BA and Lufthansa. The three worst airlines to fly with are Cubana, Myanmar Airways and Nigeria Airways.

Don’t forget your holiday insurance!

The travel insurance minefied

2008-12-17T13:16:00.003Z

Travel insurance can be a minefield ready to trip the unwary. Which is the best travel insurance option for you? the first decision is between annual holiday insurance or single trip and it is important to understand the pros and cons for each.

A single trip policy covers only the one holiday and all the limits on cover apply to this single trip as do any restrictions applying to activities and health. It will be valid from the day you buy it until the day you return home. An annual holiday insurance or you may see it referred to as an annual multi trip policy lasts as the name suggests for a year from the day you decide you want it to start.

When buying an annual holiday insurance you will usually be asked when you want it to start so it is important to make sure that it starts to run before you are due to pay the final balance on your trip so that the cancellation cover is in force. As a rule if you are planning to take two or more trips abroad within twelve months you may well find you get better value by selecting an annual holiday insurance. If you are not sure then check when you buy it if there is an option to upgrade your single trip policy to an annual holiday insurance at a later date. Many annual holiday insurance policies also include up to 17 days wintersports cover.

There are hundreds of different travel insurance policies on the market to chose from so it is worth doing some research rather than just accepting the one offered by your Tour Operator or Travel agent. You can buy travel insurance from your local supermarket or bank, a newspaper or from a high street broker or you may prefer to use an online travel insurer via an aggregator site such as Moneysupermarket. All of these outlets have an obligation to provide you with a copy of their policy wording before you commit to the purchase. They should also offer you a copy of the Key Facts about their product. Wherever you decide to buy your travel insurance be sure to look carefully at the limits of the various sections offered to make sure you have the best travel insurance for your particular needs.

In Europe you will be able to use your EHIC card to cover the cost of emergency medical treatment in a State Hospital but there may be additional costs such as those for prescribed medication or physiotherapy or even for new flights home if you are too ill to travel as booked. Always insist on a minimum level of £2 million medical expenses cover in Europe and at least £5 million if you are travelling farther afield. If you are planning to ski or take part in other winter sports the best travel insurance will provide you with at least £2 million personal liability cover as even a minor accidental collision on the slopes could leave you facing a foreign law suit for damages and loss of earnings.
When it comes to cancellation costs check whether the sum offered applies to each insured person or the whole insured group and if it will be adequate for the trip you are planning. Some insurers will allow you to top up this cover to the level you need.

Buy online or over the phone?

2008-12-10T10:09:00.004Z

Let’s face it, we have all, at some time or another sat in a telephone cueing system waiting to speak to a company, listening to dreadful hold music, interrupted intermittently by the annoying voice telling you the call is important and will be dealt with shortly…
One point for online travel insurance.

Ever been buying travel insurance online, answering all the questions, only to find you cannot get any further through the process due to some annoying error? You end up going around in circles as the website designers have not thought through all of the elements of the site and you are apparently stuck in some online Bermuda triangle…

One point for call centre travel insurance.
Most online travel insurance providers offer a discount (or incentive) to buy travel insurance online, often as much as 10 or 15 percent off the price of call centre travel insurance. Two points to one in favour of online travel insurance.

There is a certain comfort, or security if you will, of buying your travel insurance from a real person, knowing you can ask a question and get an immediate answer. Two points each.

And so it can go on, back and forth between the two methods of purchasing… The truth is, both routes to buy travel insurance have pros and cons. The best route for you is directly linked to the complexity of your individual case. Some things to think about before choosing:

Do you have any pre-existing medical conditions?
Do you have special requirements from your travel insurance, such as not returning to the UK or a large group of people travelling?
Do you need specialist assistance to guide you through the application and payment procedure?

If the answer to these or similar questions is yes, whilst some travel insurance companies do have arrangements in place to handle online, it may be easier to discuss with someone at their call centre.

If not and you are reasonably comfortable to buy travel insurance online, you can get some great discounts, it is often quicker and you will be spared the need to listen to dreadful hold music.
Whatever your favoured method to buy travel insurance always remember;

To be completely honest with the insurance company.
Make sure you read the documentation within 14 days of buying, as this is the maximum amount of time you will have to make changes or cancel the cover if it is not suitable, without some financial penalty.
To take the documents on holiday with you so you have emergency telephone and policy numbers in case you need to use it. But, make sure you write down the claims handlers telephone number and leave it in the UK in case you lose the documents abroad!

Lastly, Holidaysafe.co.uk do not increase the cost of travel insurance if you do want to buy via our customer service centre, which incidentally is in the UK!

Christmas gift ideas - Annual Travel Insurance

2008-12-02T09:51:00.002Z

With the Christmas season fast approaching our attention begins to shift to gift ideas for our loved ones. For some an easy task, but for most finding the ideal gift is a battle involving internet searching, browsing through crowded shopping malls and carefully placing hints for ideas from the people themselves.

Most people will not consider a financial services product as a gift this holiday season, but what better gift could there be than a gift that keeps on giving for the whole year. Annual holiday insurance cover, or Annual Multi-trip travel insurance as it is often know, could be the ideal gift for an individual, couple or family who travel abroad on holiday. Not only would you be giving them a gift, but you would also be giving and getting peace of mind that your loved ones are covered for the next twelve months. Annual holiday insurance comes in a wide range and variety of cover, but in the main the policies cover trips and holidays for a twelve month period as long as each holiday does not exceed a certain length, most are thirty one days, but some policies exist that allow for up to ninety days per trip.

Perhaps annual holiday insurance is not the most suitable type of product for your loved ones, that’s not a problem, there are many other types of travel insurance policies that exist. Perhaps you have a student relative taking a gap year or long trip away next year – what about backpacker travel insurance? Backpacker travel insurance (sometimes known as gap year travel insurance) can cover trips from one to eighteen months in duration and has options to include activity cover and return home cover during the trip.

Regardless of the person or the trip plans they have there is a suitable travel insurance policy available. What’s more you can buy travel insurance online, meaning that you do not need to venture to the over-populated shops, battle to find a parking space and can save your ankles from the over eager person with the trolley!

Annual Multi-Trip travel insurance – How to save money and reap the benefits!

2008-11-24T14:00:00.004Z

Dependent on the policy and the type of trips you take, Annual multi-trip travel insurance may be a suitable product for you, even if you only take two holidays a year.

Annual multi-trip travel insurance does exactly what it says, covers you for a year and allows multiple trips throughout that year. This sort of cover however is not to be confused with Longstay or Backpacker travel insurance, which is aimed at people taking one long trip throughout a year or more.

Annual multi-trip policies usually have a limit on the number of days you can be a way in any one trip, but no limit on the number of trips during the year. Most will range from 15 days per trip, up to 45 days per trip, although some policies exist that will allow 90 days and 180 days in any one trip.

Most annual multi-trip travel insurance policies will also have the option of adding a number of days winter-sports cover throughout the year, some travel insurance policies include this within the price.

Nearly all the policies on the market at the moment offer some kind of discount for couples and families, which really can have an impact on the savings made.

Who does it suit

The easy answer is everyone that takes two or more trips a year. Whether these are two week sun holidays, weekly city trips, visits to holiday homes abroad or mixtures of sun holiday and a winter holiday each year. The only difference between these are the amount of saving you might be making each and every year.

What are the benefits

For most people the benefits of buying and annual multi-trip travel insurance over buying multiple single trip travel insurance are:

Only one search a year for the cheapest and most suited annual multi-trip travel insurance policy. That surely beats multiple internet searching and call centre questions two or three times a year!
Considerable savings as compared to multiple single trip travel insurance policies
Peace of mind that you are covered for a whole years travel
Cancellation cover for all future trips booked during the life of the policy as soon as they are booked.

Things to consider to maximise savings

Things to consider, to assist in saving money on annual multi-trip travel insurance;

Do you plan to travel within Europe only in the next twelve months? If this is likely, buying just a European policy will be considerably cheaper than a worldwide policy. If you are not sure, start with a European policy, you should be able to upgrade during the life of the policy.
How many days cover do you need for the year, and what is the maximum length of each trip? The cost of a policy with higher duration limits on each individual trip will be considerably more. If you are not sure, start low and upgrade later.
Do you need independent travel cover for all members of the family or just the adults? Policies which offer independent travel cover for all members of the family will be more expensive.
Are you likely to need winter-sports cover during the year? Some policies will include this “free of charge”, however often policies that do not include it will be cheaper than those that do, regardless of the marketing spiel that accompanies..

Most good travel insurance companies will highlight the potential savings of Annual Multi-trip travel insurance. Some of the better ones will even work with you to calculate if indeed an Annual multi-trip travel insurance policies is suitable and what savings you might make.

Travel insurance – Comprehensive?

2008-11-19T14:43:00.003Z

Comprehensive or fully comprehensive are terms used regularly by insurance companies. Where they have a common meaning, like motor insurance, it is fair and reasonable as we all know what we are getting and what to expect from the cover. However in the specialised field of single trip travel insurance or annual multi-trip travel insurance (or annual holiday insurance as it is sometimes known) what should this term mean?

Let me start by saying, all travel insurance policies are different. From the cover they offer, the cover limits they have - through to the details of the policy wording and the exclusions that they include. So what can be defined as the best travel insurance and who should you trust to buy travel insurance from?

Let us look at three of the more important sections of cover that most insurance policies will include:

Medical expenses cover
This is a must have for any trip, this section should provide cover for any unforeseen medical expenses whilst outside of your home country – This should include both inpatient (staying at hospital) and outpatient treatment (a visit to a hospital or clinic). Cover should be a minimum of £1,000,000, but if you are travelling to the USA a minimum of £2,000,000. You need to look out for the policy details in regard to a “pre-existing medical condition”. If you are buying web based, online travel insurance this should be made very clear on the website and you should be offered the opportunity to read these terms and either agree or otherwise to the statements made. If you buy via a call centre, this will be a condition of the sale and read to you over the phone. All travel insurance companies have differing criteria for what a pre-existing medical condition is, but in general they will want to know about any treatment for:

• any heart or circulatory condition
• a stroke or high blood pressure
• a breathing condition (including asthma)
• any type of cancer
• any type of diabetes

They will probably also want to know about anyone that has had treatment necessitating prescription drugs or is awaiting test investigations or treatments. It is important to point out that this will definitely apply to all travellers but could also apply to non-travellers upon whom the trip depends. It is also worth pointing out that should the health of someone change between buying the insurance and travelling, or in the case of annual holiday insurance throughout the course of the year, they are likely to want to know about this also.

Cancellation cover (and cutting short your trip)
This section covers unforeseeable accidents, illness and injury that necessitates you cancelling a pre-booked trip. The section should cover the value of the trip booked, or trips you plan to book in the case of annual holiday insurance. Many policies will have a maximum limit of £3,000 per person, which for most is enough, some go higher for those lucky enough to need it. As with the medical expenses above, pay particular attention to the “pre-existing medical condition” criteria as it impacts the cancellation section also.

Personal belongings
Obviously this section covers your personal belongings whilst on a trip. Not quite so obviously, is the fact that most policies will have something called “inner limits” of cover as well as specific limits for some specific items When you consider that recent research revealed that 55% of all personal belonging claims were fraudulently inflated and 17% were completely made up, you cannot blame the insurance companies for needing to protect themselves.

Things to look out for:

· The single article limit (SAL) or the maximum amount you can claim for any individual item – this is often set around £250 but does fluctuate between insurers.

· The valuables limit and definition. The limit is usually also around £250 for all valuable items which will include items such as electrical gadgets, jewellery and cameras.

· The cover available for glasses and sunglasses, often limited to £100 in total.

· If there is any cover for mobile telephones, as often there will not be.

Lastly on this section, most insurers will require receipts or proof of purchase on items being claimed that are over £50.

Other sections
Whilst most, if not all, insurance policies will include other sections the three mentioned above make up the most claimed on sections of travel insurance policies – combined they actually account for over 93% of all claims. Other sections exist which offer valuable cover and these include:

Delayed travel – cover in the event of delayed departure from your international departure point

Missed departure – cover in the event of the failure of public transport or mechanical breakdown of your vehicle on route to you international departure point

Delayed belongings – cover for the purchase of essential items in the event of your personal belongings being delayed in transit

Personal money – cover for the loss or theft of cash or currency from your person or from a safety deposit box or from locked accommodation when stored out of sight

Hospital benefit – a benefit payment, usually per 24 hours, to make a hospital stay slightly more comfortable. This is not an alternative to medical expenses cover, it is usually around £20-£40 per day up to £200-£400 in total to buy magazines, food and drink, etc whilst in hospital abroad

Personal accident – cover for your death or disablement whilst on a trip

Personal liability – covers amounts you are legally liable to pay that relate to an incident caused by you

Legal expenses – cover for legal costs and expenses incurred in pursuing claims for compensation

In closing
So the term “comprehensive annual holiday insurance” or “fully comprehensive single trip insurance” is, I think you would agree fairly ambiguous and open to interpretation. As such, I think it important that you research suitable cover and get the most insurance policy you can for the budget you can afford, whilst paying particular attention to the two key areas of travel cover – Medical Expenses and Cancelation cover.

Travel insurance – can you afford to be without it?

2008-11-11T17:39:00.003Z

With the number of UK travellers abroad increasing by 8% each year, and more and more people visiting exotic locations, you would be surprised at the question; Is travel insurance really necessary? A seemingly obvious question to those that have needed to use travel insurance, however with 19% of people still travelling without it, it seems that not everyone would agree.
For those people, here is something to think about…

You’ve earned your break. You deserve to enjoy it to the full.

You arrive at your destination but your bags don’t. Stuck in a sunny country with just your jeans, t-shirt, shoes and cabin bag, your luggage finally arrives two days into your seven day holiday.

You get unpacked and go for a swim, but come back to your room to find the door open and no wallet, cash, camera, passport or jewelry.

You head to the hotel restaurant and choose the freshly caught tuna - your favorite, things are looking up. Only, it turns out to be “three day fresh” and kept in the sun. Four hours later you are in a foreign hospital and they are asking about travel insurance!

Okay, so the details of the above claim have been embellished slightly, but with most travel insurance policies one phone call would solve most of these holiday issues…Hospital bills guaranteed, translation services with foreign hospital organised, hospital benefit payment to assist in making a bad situation slightly more comfortable, funds provided for essential items to help you through until your luggage arrived and upon returning home financial support to replace the items stolen from your room.

Let’s face it travel insurance is not the most exciting of subjects. You probably don’t spend much time researching the most suitable and like most people you buy the cheapest “because I probably won’t need it”

Really….?

If all your travel insurance policy does is provide you with peace of mind whilst you travel, surely it has already been worth the purchase. If however something does happen whilst you are abroad, what then? Nearly 7% of people that travel have reason to use their travel insurance and with claims often reaching tens of thousands and sometimes hundreds of thousands of pounds, surely it is a worthwhile purchase.
Travel insurance is a diverse product with multiple sections of cover, the most frequently claimed upon sections are Medical expenses (approximately 48% of all claims), cancellation of a trip (approximately 37% of all claims) and loss of or damage to personal possessions (approximately 9% of all claims).

Medical claims can range in value dramatically dependent upon what the treatment is for and where you are travelling to. For example:

· Treatment for a heart attack in the USA, with medical escort home can exceed £60,000.

· Treatment for excessive sunburn and dehydration in Italy can exceed £4,750

· A multiple fracture of the leg treated in a private Spanish clinic can exceed £10,500

Don’t let your holiday become a life changing experience because of a huge bill.…take some time to find a suitable travel insurance policy, if for no other reason than the peace of mind it will provide.

Holidaysafe Travel Insurance extend range

2008-10-31T11:15:00.004Z

Holidaysafe Travel Insurance are pleased to advise that they have extended their travel insurance offerings. As from the 1st of November 2008, you will be still be able to access the same great travel insurance products at the same prices as last year. As well as this we have added a new Annual Multi-trip travel insurance offering. The all new range will include Premier Plus annual multi-trip travel insurance, This policy includes higher than normal levels of cover, includes cover for wintersports (both skiing and snowboarding) trips and will allow as many trips as you can do in a year, as long as each trip is less than 45 days in duration.

Annual multi-trip travel insurance can prove cost effective even if you only plan to make two trips overseas in the next twelve months. For a quote, or to book online, please click here or visit the annual multi-trip button above.