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7 Things To Do Before Buying Travel Insurance

admin — Sat, 05 Jun 2010 04:32:04 +0000

Going back to Roman times, risks have been shared during times of tragedy and unforeseen circumstances, such as earthquakes, floods and the like. The first formal and recorded insurance company, Lloyds of London, was formed in 1769 and their founding principal remains intact today – to gather the premiums of clients as a pool of resources in order to return to clients who experience unexpected and unforeseen but covered events. So, that is the secret really, plan for the unexpected and unforeseen and make sure you are covered, especially when you are travelling. Whether your trip is a quick one or a round the world cruise, there are many good reasons for travel insurance. Here are just 7 things you should do before you buy your travel insurance:
Whatever you do, please explore the market and educate yourself with all the terms and terminologies of the travel insurance cover that will help you to avail the best travel insurance.
Certainly check what is included in your travel insurance policy but most importantly, check what is EXCLUDED from your travel insurance policy.
Research the area you are going to. What is the weather likely to be like? Is there any danger of hurricanes or tropical storms? Floods? How about Mosquito borne disease? What is the crime rate like? Whatever the perceived dangers your research uncovers then make sure that your travel insurance covers you for that eventuality. It is no good after the event to find out that you are not covered for rabid dog attacks (because there are so many in that particular area).
Discuss Your Existing Medical Conditions and Requirements – You need to carefully assess your likely medical requirements and make sure that these are declared to the travel insurance company.
If you intend to drive make sure that you are adequately covered. Many hire companies charge astronomic excesses in case of an accident. Make sure that you insured for that excess (and it will be a lot cheaper than paying the hire company’s rates for that same cover).
Make sure you have the necessary documentation for travel in that country. Take Spain for example which is part of the European community and will offer free health care say to a UK citizen on holiday or living there. There are certain conditions, one of which is that you must have a UK E111 form, if you don’t have that, you will not be treated. You must also go to a national health hospital, which are not in abundance in certain areas of Spain.
If travelling in Europe, it may pay to get a EHIC (European Health Insurance Card) as this will remove a lot of worry should you need any emergency treatment.
Okay, so there you have it. 7 things to do before buying travel insurance for the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there’s an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print first. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, (insert for your favourite potentially dangerous sport here), scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on. That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.

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Travel Insurance not a Perk for Retirees

admin — Fri, 09 Apr 2010 04:32:14 +0000

Most people can’t wait to finish working so they can go on that much dreamed about holiday, however, it’s going to cost them when they get there. The majority of travel insurance policies are unavailable for people over the age of 65 as a result of the increased chance of them making a claim while abroad, therefore if they want to take out cover for their holiday they will find that they will have to pay over the odds for their travel insurance.

Insurance companies who refuse to offer cover for older travellers are simply not prepared to put themselves in the inevitable, in most cases, position of having to pay out large sums of money in the event of an individual becoming ill or injured while abroad, thereby requiring their medical expenses to be covered by their insurer. According to Age Concern, a charity dedicated to working with older people, there has been a 36% increase in the number of over-65s taking holidays abroad over the past five years, and yet 92% of holiday insurance policies are not open to this age group. Though it is an understandable stance to take when holidaymakers aged 65 and over are three times more likely to make a claim on their insurance, more often than not for medical expenses, than someone who is 30 years younger. Therefore, from the point of view of an insurance company, this factor makes covering older travellers uneconomical.

According to the Association of British Insurers, the expenses incurred for covering medical claims made by the over-65s are nearly three-and-a-half times higher than for people who are under 50. For this reason, the cost for cover differentiates between what the young and old pay; a couple under 65 taking out annual European cover with Direct Travel Insurance would pay £46, while a couple over 65 can expect to pay £160 for the same level of cover. Despite the fact that those who only travel as far as Europe are covered by the European Health Insurance Card (EHIC), this will only provide up to a certain level of cover, essentially offering the same treatment that is available to locals and therefore being quite useless if the treatment you needed required you to be transported back to the UK before it could be carried out.

People over 75 are highly unlikely to be able to obtain cover of any type, and if they wanted to, they would be looking at paying between £94.10 for two weeks’ cover for the US from Marks & Spencer and £274.14 for two weeks’ worldwide cover from Insureforall. In most cases, annual travel insurance only offers the optimum deal if the individual plans to make regular trips abroad. A suitable option for a single person aged 70 is Bradford & Bingley’s annual worldwide policy, which costs £133.94, and £148.82 including baggage cover. These prices are available for travellers aged up to the grand old age of 79. However, it is worth remembering that these quotes are made on the assumption that the traveller is in good health with no ongoing problems. The price will be dearer if the customer is suffering from ongoing medical conditions, but cover is available. Specialist insurers, in this instance, include All Clear, Free Spirit, Marrs and Medicover.

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Holidays where cheap travel insurance is a MUST

Cheap Europe travel packages: affordable packages for you!

admin — Mon, 05 Apr 2010 04:32:16 +0000

Was traveling to Europe a dream that you always wanted to live? Are you now planning a trip to second largest continent? But you are taken back due to exorbitant expenses that might not let you fulfill your dreams? Don’t be apprehensive about the prices, because cheap Europe travel packages have been tailored to allow you to overcome the financial restrictions. Now you can plan a tour within your budget and financial parameters.

There are various packages to choose from among a wide range. These packages are inclusive of your boarding and return tickets, taxi, hotel, safari and many other services. All the arrangements are done beforehand for your convenience. There are a number of great tourist destinations and places to visit. To name a few Greece, Italy, Cyrus, Finland, Luxembourg, Macedonia, UK, Switzerland and Turkey are among popular destinations.

You can tailor your package according to your preferences and favorite destinations. You can get the package within your budgetary allocations that are pocket friendly. The most important thing that will help you to avoid exorbitant cots is the season. If it is a holiday season and the peak time then the prices will be realty high so to negotiate for prices the off season or going before peak season can b beneficial. Pre plan everything that you can so that you don’t waste your time and money later.

To best way to find cheap Europe travel package is online. There are various sites that can be consulted and you can find a good deal easily. Before getting a package for yourself it is important to check whether any hidden charges are included or not. So before availing any packages thoroughly understand the terms. You can collect information about the destination as well and grab the required information.

Cheap Europe travel packages enable you to plan your holiday trip at affordable prices. So just don’t waste your time thinking!

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Europe Travel Guide: Know the Whereabouts of Europe to Plan

admin — Thu, 01 Apr 2010 04:32:13 +0000

While planning your trip to Europe, it is important that you keep all the tourist places in mind. This however can be somewhat difficult if you do not have much information about the places that you want to go to. This problem can be easily sorted with the help of Europe travel guide that will make sure that you decide your itinerary well.

A travel guide will help the tourists by briefing them about the area and making them well-versed about the region and the tourist places that are present there which can be visited. With information about all tourist attractions and their histories and specialities, the tourists can decide according to their interest as to which places they want to visit.

Through the travel guide that is available online for Europe, the tourists can even gather information about the bookings that they can make about the hotels, flights, taxi rentals, sight seeing guides etc. with so much to know from these guides, deciding and planning your Europe tour becomes very easy.

A paper brochure for European countries and tourist places supply you with information but by no means is that information exhaustive. This limitation is covered well by the online travel guides that are available for Europe. They provide complete information and specifications that you may ever need to plan your Europe trip with all comforts included. Also, you can plan these trips well within your budget and these travel guides will help you in it.

A very important tool in planning your trip, the Europe travel guide can be used to a great extent. You can make all preparations and bookings after deciding with the help of the information provided by the online guides for your Europe travel.

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Cheap Travel to Europe: a Fascinating Tour to Europe

admin — Mon, 29 Mar 2010 04:32:13 +0000

The holistic beauty and glorious ancient European civilization might be a cause that captured million hearts. Around the world every year thousands of tourists immigrate to explore and experience the centuries old culture and sects. Travelling to Europe cannot be planned in a day until you have plenty of cash in your pocket. The increasing expenses might compel you to rethink your plan to spend holidays in Europe or might abort the excursion idea. But Cheap Travel To Europe would assist you in executing your vacation plan in an easy and cheap way.

You will come across various tour packages tailored according to your needs. The packages offer you booking of boarding or return tickets, expenses of accommodation and food, safaris and shopping. The multiple availability of tour and travel package facilitates travellers to avail cheap and reasonable one suitable to their income. Such packages come for family and couples.

There are other issues that influence the rates of the packages. If you plan to visit at festival time then rates are slashed. Instead of taking suggestions from other tourist, it is rewarding and fruitful to communicate with the local inhabitants. You can also save penny by hiring a cab that can also perform the role of experienced guide.

Exploring different places instead of staying at a fixed place might be fascinating for you but the same time it is expensive. Therefore, choose a destination as centre point from where you can easily visit the places. Make a list of the places that are important religiously, traditionally, culturally, economically etc. to save time.

To know more, purchase some informative guide books or browse the websites. The latter can enrich you with information within less time. You can collect details from home and also taking the same provision can subscribe packages or book hotels. So, plan now to spend in any hot destinations of Europe.

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Trains for a Luxury Travel Vacation in Europe

admin — Sun, 21 Mar 2010 04:32:12 +0000

There is a new way to travel around Europe, which has become fashionable, and that is by rail. After the European Train Network appeared, trains are growing in popularity as the preferred way of going from one interesting place to another. Trains as a means of transportation are better for those who want to see more places in just one trip.

Travel to any distances – short, medium and long – can be carried out by trains across Europe. There is a wide railway network densely covering not only Western and Central Europe but the whole continent. More than twenty countries and hundreds of cities are included in the European Train Network, which allows tourists on a luxury world cruise to see the most of Europe. These trains are speedy, reliable, their schedule is very convenient with trains arriving and departing almost every half an hour.

Those who go on a luxury vacation usually see trains as a substitute to airplanes. Carriages of trains are more spacious and comfortable inside and in this way make a traveler more relaxed. Trains in Europe will provide you with a splendid opportunity to explore new routes and to discover the beautiful countryside. You will also be free from the necessity to stand in the long line in security. Moreover, railway stations are generally situated approximately in the center of the city, while airports are usually a long way from the cities. Trains are even considered to have something of a romantic feel. Train tickets bought beforehand are also cheaper. Furthermore, if you miss one train, it is easier to take another one in about half an hour.

Taking into account all the above mentioned reasons, it is not difficult to make a conclusion that train travel has turned into a leading way of traveling around Europe for those who go on a luxury vacation. Even if you ignore its romantic touch, you cannot but agree that it is practical and simple. New technologies have made the European Train Network extremely successful, because stops are possible in most European countries and its most prominent cities. Train trips win over air travel because of their availability, prices and comforts.

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Cheap Europe Tour Package: Travel Without Financial Constraints

Points to Consider When You Compare Travel Insurance

admin — Sat, 13 Mar 2010 04:32:10 +0000

If you’re going on holiday this year then getting solid travel insurance isn’t just a good idea, it’s essential. Medical bills abroad can be extremely costly and it’s simply not worth taking the risk. You needn’t break the bank though, provided you’re prepared to compare travel insurance quotes and shop around a bit to find the best deal. Here are some points to consider:

Annual cover

If you’re overwhelmed each time you look online to compare travel insurance and find the process irritating and repetitive, it can be easier to get annual cover and then not worry about travelling for a whole 12 months. Especially if you’re going to take three or more trips abroad in a year, annual cover is definitely the way to go, as you can often save yourself money as well as time.

Ski trip extras

If winter sports are your thing, make sure that your travel insurance covers you specifically for skiing and snowboarding. A normal travel insurance policy will not be sufficient on the slopes and will not be valid for a claim if you injure yourself. It’s worth taking the time to compare travel insurance quotes from sports specialists who deal specifically in winter holidays for the best prices.

Excess charges

When you compare travel insurance you need to have a look at how much excess you will have to pay should you get injured, require medicines, lose your luggage or have your money stolen. Some insurance companies charge as much as £200 for excesses, which is fine for a large medical bill but not so good if you lost your£60 handbag. Excess charges can be as low as £30, which can make a big difference to your claims.

Cover limits

Not only do you need to check the excess limit, your cover limit is essential when you compare travel insurance. No policy worth its salt will have a cover limit of less than £1 million. This should be the absolute minimum, but you can get much higher limits. Again, particularly if you are skiing, a much higher cover limit is recommended, between £3 million and £5 million should be fine.

Don’t rely on EHIC

You need to find a comprehensive travel insurance cover for your travels abroad. Whilst the European Health Insurance Card (EHIC) can help reduce the costs of medical treatments in Europe, the only way to make sure you are going to get adequate medical treatment abroad is to compare travel insurance and get a decent policy.

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Enjoy Europe Travel Tours, a Getaway With Beauty All Around

admin — Tue, 09 Mar 2010 04:32:09 +0000

To find out a nice destination for the next vacations, tourists more often than not, research a lot and only then come to a decision. Europe is such a destination which has all the beauty, architecture, history and culture that one can think of. Also, it is highly exhaustive and provides ample opportunities to be stupefied. The tourists can enjoy a great time in their holidays by taking up Europe travel tours and cherishing the wonderful moments.

Europe has ample places where one can visit and also find something of interest. Many countries are included in the continent of Europe like Cyprus, Denmark, Bolivia, Latvia, UK, France, Germany, Hungary etc which are regular for people who have a craving for natural beauty along with architecture, history as well as culture. Travel tours to Europe can be taken up easily since they are pre-set and pre-defined and makes it easier for the tourists. Travellers can choose the most preferred travel tour according to their interest as well as suitability of budget and time. Also, Europe travel tours include the most favoured destinations of travellers and provide them a glimpse in beauty and human skill as well.

Through Europe travel tours, the travellers can get everything arranged beforehand. All the bookings of flights, hotel reservations, taxi bookings, sight seeing, etc are also done beforehand. This removes the inconvenience of the travellers as well as acts as a way to save money too. Any countries and destinations can be visited through these travel tours according to the interest of the tourists.

Europe travel tours cater to the tourists of every category. They may take up luxurious trips or opt for the bare minimum but a great experience which will be cherished for life is assured to the travelers.

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Cheap Europe Tour Package: Travel Without Financial Constraints

admin — Fri, 05 Mar 2010 04:32:09 +0000

Europe is the second largest continent and the most favoured tourist destination all across the world. However, the exorbitant costs that traveling to this tourist destination incurs may refrain most of the individuals to drop out the idea of taking a tour to Europe. But with the changing times, the trend in tourism has also taken an appreciative twist, wherein tour packages are especially structured in view of the budgetary constraints as well as particular requirements. In fact, this is one prime reason why the flow of tourist has seen a drastic flow of tourist in the continent.

This continent has numerous places of interest inclusive of World Heritage Sites as well as some of the Seven Wonders of the World. In short, it has ample to share with its visitors in terms of history, culture, as well as cuisines. If you are interested to take a Europe tour but are worried about your limited budget, then probably a cheap tour package can be an appropriate option for you. Now-a-days, most of the travel agents do offer cheap Europe tour package that can benefit all pocket-sizes.

Some of the key factors that are likely to influence you cheap tour package are inclusive of monetary limitation, the number of individuals planning to travel amidst other considerations. One of the easiest ways to find services providers who can facilitate you to avail cheap tour package is to go online.

In the recent times, the online search has caught up with old and young alike to locate appropriate information. Online search would let you access a number of travel related services providers who could help you out in finding a cheap tour to Europe. Scan through all the options that are presented to you, ponder over them thoughtfully. There are going to be options that seem appealing but have too many hidden costs, so thoroughly understand the packages before you actually avail it.

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Student Coach Travel for Cheap and Convenient Holidays

admin — Thu, 25 Feb 2010 04:32:16 +0000

Being a student in the UK can be more difficult than people realise. After all, with mounting student debt, all those essays and exams, and the issue of finding a graduate job afterwards, your life can get somewhat emotionally and financially stressful. However, one of the main luxuries afforded to students – a luxury that is rarely available again in life until retirement – is the benefit of long holidays. If you’re a student, it’s important to take advantage of your holidays and take the opportunity to travel while you can.

It’s all too easy to spend those long summer holidays at home, working during the day and catching up with old friends and family at night. However, if you spend the first half of your holiday working solidly and saving up your hard-earned cash, the best reward possible will be to spend the second half of your vacation travelling abroad – and the number of opportunities available to you are endless. For instance, you could take a six week backpacking holiday in India, China or South East Asia to discover some of the world’s most exotic and historic locations.

Alternatively, take some time out to travel around the United States. While taking a holiday in the USA is guaranteed to strain your finances more than a holiday in a developing country might, there are various ways you can save money. For example, if you choose to travel by coach during your American summer vacation, you could save a lot of money and limit your carbon footprints by not taking a flight. A coach journey from New York to Chicago might seem like a long and daunting prospect, but you’ll also be able to see much more of the country than you’d otherwise be able to.

Even if you feel you can’t afford to take such long haul trips, rest assured you’ll still be able to travel. Flights and trains to Europe can be expensive, if you don’t book early enough, but many coach providers provide services to the continent for much cheaper fares. This way, you’ll be able to get to Paris, Berlin or any other top destination in Europe conveniently and easily, while giving yourself the luxury of being able to survey the European countryside while you travel.

Or why not take the coach to one of many top destinations in the UK for a weekend trip that won’t break the bank. For instance, if you’re at university in Leeds and you’re planning to visit a friend in Cornwall, you’ll be able to take the coach to the sunny south-east with no problem at all. Or, opt for overnight coach travel from London to Edinburgh on a Friday night; you’ll arrive in Scotland’s stunning capital bright and early on Saturday morning, ready for a top-class weekend before having to return to your classes on Monday morning. Moreover, many UK coach travel providers offer student or young person’s discounts.

So, wherever you’re planning to travel to, rest assured that coach travel is likely to be your cheapest option. Just don’t forget to put those long holidays to good use while they last!

Visit Europe! » Travel

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