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Holiday, Vacation & Tour

 

A Review On Travel Insurance - Do You Need It Or Not?

Personally I think it would be very foolish not to have some sort of travel insurance, especially if you are flying abroad. People sometimes make the mistake in thinking that their local insurance policies will cover any losses and have a big shock when they come to make a claim. Besides, if you have the right policy, it takes all the worry out of your trip.

You should always be offered insurance, by your travel agent, when you arrange your trip. If not, ask, because it wi...

travel insurance, cheap tickets, airline travel, hotel accomodation, travel agencies

Personally I think it would be very foolish not to have some sort of travel insurance, especially if you are flying abroad. People sometimes make the mistake in thinking that their local insurance policies will cover any losses and have a big shock when they come to make a claim. Besides, if you have the right policy, it takes all the worry out of your trip.

You should always be offered insurance, by your travel agent, when you arrange your trip. If not, ask, because it will be on your own head if anything goes wrong.

A Cheap Policy or Not?

When a travel insurance policy is issued there are a number of allocations if the premium, agents commissions, administrative costs, some goes towards profit and what's left over goes towards the actual insurance coverage. So, you can see, if it's a cheap travel insurance policy, something is going to miss out and you can bet it will be the level of coverage.

If you buy a regular travel insurance policy, that is, you fill out a form and send it to the insuarance company with your remittance there are a lot of costs involves. A better way would to get a wholesale policy (which travel agents do sell) where the administration costs are dramactically reduced, meaning more money is spent on the actual coverage.

Some tour operators and agents provide an "in-house" travel insurance policy and, often, all it covers is their own cancellation fees and little else. It may be cheaper but will not give you much travel insurance coverage.

Another way to reduce costs, which depends on the level of travel you are going to do, is to purhase an annual travel insurance policy. This is buying in bulk and is likely to be much less expensive than the one-off trip policy.

Primary or Secondry Travel Insurance Cover?

These 2 types of cover determine the way the payouts are made. The primary travel insurance cover means that the company will "Pay First", that is the payment will be paid to the claim maker. The secondary travel insurance cover means they will pay only after you've have claimed as much as you can from other insurance cover that you may have. So, you can see that the primary cover is a lot better than the secondry cover.

What Type Of Coverage Will You Need?

It's fair to say the 2 biggest risks that are covered by most travel insurance policies are the costs of changing your travel plans and and any medical care and emergency assistance that is required while you are away.

Most travel insurance policies will include a few hundred dollars for baggage/loss/damage/delay, loss of travel documents and other small sum for flight delay or interuption. Some will also cover for someone to fly out to you if you are to be hospitalised for more tha 2 or 3 days.

Another major cost, and I must admit I never thought of this one before, can be supplier bankruptcy. Many time the supplier of your travel insurance policy are unable to have the policy to cover thier own bankruptcy. This would be another good reason to have an independant policy from the company arranging your travel.

Most travel insurance policies include a large ammount of air death insurance, but surprisingly, it's of very low value item about 25 cents for a $100,000 cover. I suppose this indicates how safe air travel is.

Some travel isurance policies will also cover car rental risks and this may be an important thing to consider as car rental insurance policies are extremely expensive.

Trip Cancellation/Change Coverage

To understand the possible costs that you may need if you have to change your itinery or cancel the trip, if you have pruchased an unrestricted first class ticket there may be not any costs associated with changing the ticket as this is usually covered in the purchase price.

It may seem strange but the the cheapest ticket has the most risk attached to it as far as cancellation/change is concerned. It can cost a heap more to change the cheap fare to return home on a different flight than the original purchase price of the ticket.

You will have to be aware that when some travel insurance policies state that they will cover 'your total trip cost' you may think that the full charges are covered, but this may not be so. Let's say that your discounted fare cost $590 and you have a package that actually costs $895 and you have to change you may find the return trip will cost more than the whole package. Maybe you will have to pay another $1120 to get home on a no advanced one way return ticket.

I had this experience a few years ago when I had to rush home for my Father's funeral. Because of time restrictions I had to buy a non-discounted ticket. After not feeling well all day, when I finally arrived at the airport I succumbed to a middle ear infection. So with all the vomitting and the different air pressures that come with flying there was no I could get on a aircraft. But, as I had purchased a full fare, there was problems in changing my flight to the next morning. Goes to show that you can't always control your circumstances.

The more restictive travel insurance policies may exclude circumstances that are deemmed 'under your own control', and perhaps this may include work related issues. Let's say you are about to leave work and you are told there is an issue that has to be solved and that you leave has to be deffered. There's a very good chance that this type of travel insurance would no pay out because of this reason.

Medical Care and Emergency Assistance

Some people mistakenly think that their home medical insuarnce policy will cover all costs wherever they are in the world. They may find that that it doesn't cover at all, or the deductions will be much higher or perhaps their medical costs are covered but not any related transport costs.

You may be on a cruise and you need some medical attention by the ship's doctor. There is a good chance that their services are charged for as with any other doctor. You may have to be flown home on a stretcher and this will involve blocking out nine seats, can you imagine how much that would cost. You should make sure that you have travel insurance of at least $10,000 or more to cover these emergencies. Let's imagine you are in a remote area and you break a leg and you need to be lifted out by a helicopter, this is what good travel insurance is all about.

To Summarise

Imagine your worst case travel mishap scenario and decide whether you need travel insurance. This may be the cancellation of the whole trip coupled with the associated cancellation costs or some emergency medical mishap that will require medivac and local care. I know these are horrible thoughts but if you can't afford to self-insure the expenditure of around $100 on travel insurance will give you the piece of mind and one less thing to worry about.

 

At Your Own Risk: 10 Countries Where Travel Insurance Won't Be Able To Help You

The foreign and commonwealth office draws up an extensive list of countries that should not be travelled to quite regularly, and is from that, that our, and other global travel insurance providers’, underwriters decide which countries travel insurance should be provided for. We look at the government travel advice and decide from that whether or not we can provide insurance to travelers.

Although global travel insurance does, by its nature, cover the majority of the world,...

Travel insurance, Global travel insurance, UK travel insurance, foreign office travel advice

The foreign and commonwealth office draws up an extensive list of countries that should not be travelled to quite regularly, and is from that, that our, and other global travel insurance providers’, underwriters decide which countries travel insurance should be provided for. We look at the government travel advice and decide from that whether or not we can provide insurance to travelers.

Although global travel insurance does, by its nature, cover the majority of the world, the current climate ensures that there are some places where the likelihood of incident means that UK travel insurance providers are unable to offer protection. Thankfully, the list is clear of the majority of popular holiday destinations, and you’re unlikely to have your big holiday plans affected. The most likely group to have their travel plans altered by the foreign office’s travel advice are business travelers.

The foreign office’s travel advice is not to travel to the following countries, even if it means losing business – the risk from the warzones listed below is just too great to make the reward worth the danger:

Here’s our top 10 countries to avoid traveling to, and the reasons for the high risk factor! The risk is far from conclusive (the foreign office’s travel advice lists many more countries), but to me, these are the ones that all travelers should avoid like the plague:

10) Liberia

Economic hardship in Liberia is currently making outbreaks of violence common, and foreigners (especially westerners) are at risk targets due to their affluence. This extra likelihood of incident ensures that no UK travel insurance provider would risk offering you cover if you choose to visit Liberia

9) Nepal

Occasional acts of terrorism and political violence in urban areas make Nepal off-limits for those who want to get travel insurance. In September this year, three nearly simultaneous bombs went off in the capital of Kathmandu, killing 3 and injuring many innocent bystanders.

8) Haiti

Haiti is considered off limits to many travelers on account of the high risk of kidnappings and civil unrest that is prominent. At the time of writing, there have been 12 kidnappings of American travelers in 2007 – mostly criminal in nature. In the past, these kidnappings have ended in physical and sexual assaults and shootings. The potential for spontaneous protests and demonstrations has also been known to result in unexpected violence, day or night. It’s no surprise that the government’s travel advice is not to travel here!

7) Yemen

Due to the high levels of terrorist activity in Yemen, westerners are advised to steer clear of Yemen. If this is not possible, then all travelers are encouraged to stay vigilant and to keep a low profile to avoid attacks or kidnapping. The situation is so grave that the US Embassy often restricts American citizens from certain hotels, restaurants and shopping areas.

6) Israel

The Gaza Strip and West Bank has seen immense violence in recent months between Israeli and Palestinian factions, and shootings, kidnappings and violence demonstrations have occurred in each. The region’s continued instability makes travel to Israel widely recommended against – the risk of abduction or worse makes travel insurance impossible to obtain.

5) Democratic Republic of Congo

The democratic republic of Congo remains one of the most dangerous places to travel in Africa, where violence, neglect and corruption has left the country distinctly damaged. Fighting erupted in the streets of Kinshasa in March this year, and the situation remains volatile despite the immediate threat of violence calming down. Travel outside of Kinshasa is difficult and dangerous with security, especially in the north and easy, being unstable. Any traveler brave enough to travel to the Congo should be extremely cautious, avoid the North Kivu district which is the backdrop to armed conflict between government troops and army rebels, avoid crowds and keep a close eye on local media.

4) Burma (Myanmar)

While the human rights situation makes Myanmar an ethically uneasy place to visit, currently there is a lot of personal risk involved as well. Throughout September, the anti-government protests sparked a violent crackdown from the authorities and made international headlines. Although the dusk-til-dawn curfew imposed in some of the towns has been lifted, it still remains an uncertain time to visit the country and you’re unlikely to find any global travel insurance company who will insure you.

3) Colombia

Colombia remains one of the most dangerous places to travel in the world thanks to the crime the country suffers from. The illicit drug trade in urban areas such as Cali and Buenaventura means that there is often a high risk of violence, while the more rural areas expose visitors to the country at risk from narcoterrorist groups who will often kidnap civilians to use for ransom or to gain media attention. Naturally UK travel insurance companies are loathe to insure travelers who choose to ignore these warning and travel to Colombia anyway.

2) Afghanistan

With the war on terror in Afghanistan still fresh in the mind, it’s no surprise that the country remains a big no-go area. Western tourists are obvious kidnap and assassination targets, as many of the disbanded Taliban and Al-Qa’ida forces remain at large and hostile to the new regieme. Additionally, the country remains unsafe due to tribal groups, explosive devices, landmines, military operations and acts of terrorism. Unsurprisingly, the government’s travel advice is to avoid travelling here at all costs!

1) Iraq

Given the high profile nature of western kidnappings by various insurgent groups, and the regular acts of terrorism and hostility to Western troops, it is no surprise that no travel insurance companies will insure travelers to the troubled country. The instability is caused by various groups – Ba’ath regime remnants, transnational terrorists and criminal elements have been known to attack convoys en-route to venues, hotels, restaurants, checkpoints and police stations.

While holidaymakers are unlikely to be affected by these less touristy locations, their riskiness means that business travellers will have to forgo their travel insurance if they are unable to cancel their trips.

 

What You Should Know About Golf Holiday Insurance

Today, it is not uncommon for tourists to enjoy a couple of rounds of golf while on Holiday, Vacation & Tour. In this day and age, travelers are interested in entire holiday packages that center on the sport. However, despite the popularity of the game, the majority of these golfers are still unaware of the importance of golfing insurance for a traveler. In order to avoid the consequences of theft, accidental property damage, membership fees, and public liability, it is suggested to look int...

holiday insurance, golf holiday insurance

Today, it is not uncommon for tourists to enjoy a couple of rounds of golf while on Holiday, Vacation & Tour. In this day and age, travelers are interested in entire holiday packages that center on the sport. However, despite the popularity of the game, the majority of these golfers are still unaware of the importance of golfing insurance for a traveler. In order to avoid the consequences of theft, accidental property damage, membership fees, and public liability, it is suggested to look into the policies offered through a golf insurance company.

When it comes to planning a golf holiday amongst family or friends, golf insurance can provide that extra piece of mind during this exciting getaway. Not only does golf insurance look after the investment you have made in planning the trip and purchasing equipment, but also protects your health.

A dreaded scenario that sometimes unfolds at even the ritziest of golf courses is the theft of an expensive set of clubs that become easy targets when stored in locker rooms or clubhouses. Usually, certain golf courses are unequipped with the kind of insurance that replaces such items of value. This is why it is up to travelers to enter a golfing holiday with extra protection for their belongings.

Another situation which may arise is arriving at the destination and finding out that your golf clubs never made it on the plane and no one seems to know where they are. Having proper cover can ease the financial burden of replacing them along with preventing the massive disappointment of not being able to play. It may be fun sitting in the bar, but not while your buddies are out on the golf course. A new set of clubs, covered by golf holiday insurance can keep you on the course while on your golfing trip.

Some of the features associated with golf travel insurance include coverage for equipment, green fees, and the hiring of equipment. For example, you are insured for the value of the golf equipment you have personally purchased for your trip that could become accidentally misplaced, stolen, or even damaged. In order to receive compensation, a receipt or proof of purchase is required.

In regards to golf equipment hire, if the items you have hired are lost or separated during travel (delayed luggage) for at least 12 hours, the cost of hiring the equipment in question is covered. To receive a reimbursement on green fees, you most show proof that the course was completely shut down due to natural elements out of your control, such as frost, fog, snow, water-logging, or windy conditions.

Golf Insurance Suggestions

While a host of insurance companies offer options for traveling golfers, it is recommended to check out the policies associated with Go Travel Insurance or the Essential Travel Company, which offers an assortment of popular golf holiday insurance packages. Regardless of who you decide to purchase the insurance through, finding the right golf holiday insurance policy that covers every aspect of your journey can be a wonderful way of adding comfort in knowing the trip can be a success, even if it is cancelled.




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