• Annual Travel Insurance Blog

  • Tuesday, October 17, 2017

Flight accidents are becoming a common occurrence these days. Many of us fail to realize that this can happen to any of us during travel. When we hear and read about this in media and newspapers, we really feel sorry for the flight inmates and their family. But we still keep travelling with an insurance without checking whether it offers any benefit for flight accident deaths and injury.

When you read the following, you will realize that you cannot afford to ignore it. Bernard and Lara made a happy family with three kids. Both lived an enviable life and their Home was synonymous with the word “Heaven”. Whatever twists life gave them, they sorted it out together. They were soul-mates who lived like a single person in two forms. It was then that a big tragedy crushed their marital bliss. Lara’s freelance assignments demanded a great deal of travel. So she had immunized herself with annual travel insurance.

She travels to different parts of the world. Bernard, along with the responsibility as a father, assumed the role of the mother too, when she’s away, so that she can pursue her dreams. On one such journey to Paris, she was just preparing herself for the client meeting when she heard a hurried announcement in the flight that they were facing some technical issues with the flight. The hushed tones of passengers slowly marched towards wailing and hot arguments about the talent of the crew and the popularity of airlines, making the crew even more helpless. The crew were making every possible attempt to save the flight but in vain. Finally the flight met with an accident and there were no survivors. This descended as a thunderbolt in Bernard’s head and he felt as if he had lost the very meaning of life. When he recovered, the reality stood before him in humongous proportions.

Though he could not get his Lara back, he got the benefit of flight accident death from annual travel insurance. We should always expect the unexpected and protect our near and dear atleast financially.

When searching for annual travel insurance, never get caught out by inadequate policies and increasing premiums.
Travel insurance is on the headlines again as the summer vacation is approaching. The increasing joblessness in Southern Europe has resulted in higher crime rates, leaving the innocent tourists the hoodlums target for petty theft. It had however been discovered by the ABTA travel association that 24% of those who travel abroad on vacation now are at risk of not buying annual travel insurance. You can avoid the mistakes of being caught out in the following ways.
Confirmation of Your Home Insurance
Before traveling abroad, confirm if your home insurance covers your personal belongings away from home. You may discover that it provides outside or away cover of up to £3,000. Nevertheless, it is worth getting in touch with your insurance provider with a lot of policies not covering the full items such as Smartphone. Although you can make payment for its extension, but ensure that this will not cost you above taking a new policy. Furthermore, it may just cover your lost or stolen items – comparable to baggage cover, instead of cancellations or medical care.
Carry Out Adequate Research
The truth is that; it is not just the frequent travelers that are suffering from increasing premiums.  The suggestion is that you should take your time to shop round before buying an annual policy and you will find out that it is more than worth it if you travel two or more times in a year. Also, ensure that you read the small print and understand every bit of it. Furthermore, obtain your travel insurance when you are booking your flight in order for you to get protected if you are unexpectedly not able to make the trip. And don’t forget the fact that a cheap policy may mean exclusions.
Being Cautious when Settling in UK
If you are traveling to UK on vacation this year, you are advised to check the available insurance policies carefully. On the other hand, you may discover that your policy is invalid if you fail to book your accommodation ahead of your trip or if your trip is less than 25 miles from your place of residence. Consequently, be conscious of the fact that many insurers necessitate a minimum of two night stays while others require three, if you are planning a weekend holiday or trip. In the same vein, many insurers set a highest number of days travel for each trip. Therefore, make sure you check your policy document properly to ensure that you are covered for the period.
Consult Specialist Insurers to Avoid Being Overcharged
To ensure that they are not overcharged for the travel insurance of their choice; customers are more and more whirling to comparison websites while the traveling agents are dominating less than 17% of sales in travel insurance. The comparison websites will help greatly, but the best alternative is to consult specialist insurers. Also, it may be better to obtain a single trip policy that extends up to 85 because prices are on the increase for older travelers.
Obtain European Health Insurance Card (EHIC)
According to the report of the research conducted by Association of British Insurers, in 2012, the average cost for medical treatment abroad amounted to £2,040. You will have access to reduced or free cost of state healthcare in Europe if you get an EHIC – The European Health Insurance Card. However, this will not cover repatriation or private treatment and it should therefore be viewed as a substitute to insurance.
There have been reports of hospital curtails across Europe this year with a lot of hospitals trying to convalesce costs of treatment straightforwardly from overseas patients rather than with European Health Insurance Card. Thus, find out the location of your nearest state hospitals upon your arrival in Europe, and have copies of your EHIC at hand all the time.

If you are one of those who engage or participate in dangerous games such as running of the Bulls needlessly when you travel abroad, hear this! The annual travel insurance companies have warned that they will not cover dangerous behaviors while traveling abroad. This word of warning was as result of the injury sustained by an Australian woman after being reddened in the back by a Bull during the yearly running of the Bulls Competition.

The AAMI purposely leaves out the Running of the Bulls from the list of their travel insurance cover, and many policies would definitely leave out whatever claims relating to that event. For this reason, travel insurance policy holders have been told of the necessity of taking reasonable care when traveling and that running in propinquity to bulls is not covered by their travel insurance policies.

In other words, injuries sustained at any particular stage in the Running of the Bulls would void an insurance policy for what is simply depicted as seeking risk needlessly. Therefore if you still go ahead to put yourself in such an extremely risky situation and unfortunately get yourself injured, you are then excluded from making a claim accordingly. Travel insurance companies will not compensate you because Running of the Bulls is regarded as needlessly exposing yourself to risk.

Although some insurance companies provided what was known as mortality insurance coverage in the past to cover activities like canyoning, running of the Bulls and jet boating, this is no longer available. However, there are insurance companies that offer coverage for bungee jumping, ballooning and parachuting, but will not insure travelers or people taking part in events like solo skydiving, running of the Bulls as well as steeple chasing.

However, you should weigh the risks involved if you are taking part in any of these dangerous games or events and make sure you know the end results if you sustain any injury – you may not be covered by your travel insurance. A lot of people sustained injuries while taking part in Running of Bulls event according to the information gathered from Google news. For the reason that travel insurance is not unrestricted, travelers are advised to learn about the product disclosure statement of a policy in order to know what is covered precisely. Travel insurance cover will only compensate policyholders for the financial losses they may bring upon themselves in out of the blue and unforeseen circumstances.

Finally, there are a lot of standard general exclusions for certain circumstances, events and situations…like bodily injury, death, loss or damage to property and illness occurring while in the course of participating in, or exposure to premeditated risky behavior while travelling. Whether you are on a business or annual vacation, you must bear these facts in mind when you are traveling abroad in order to fall victim.

Observations revealed that a lot of people are traveling these days than ever before. In addition, an escalating number of the United States indigenes are traveling out of their country for business and vacation purposes. If you are an everyday traveler, you ought to understand that your trip is never complete without your annual travel insurance.

The annual travel insurance policy will cover a complete year worth traveling, which implies that you still remain covered even if you travel for a length period of time. There are diverse insurance providers that provide annual travel insurance plans, while a number of them have more limitations than others.

On the other hand, the most important concern that need to be covered by annual travel insurance when it comes down to it are: interruption, cancellation, loss of passport or and luggage, international medical insurance as well as accidental death. Hence, you should not consider any insurance plan that doesn’t provide coverage for any of the aforementioned as a viable alternative.

In addition, there are some other types of coverage allied with annual travel insurance. Nevertheless not all policies provide the coverage. Are you a traveler that wants to take your pet along with you? Then, it is appropriate for you to obtain insurance plan that provides pet coverage. Also, if your family travels to golf tournaments most often, you can get golf travel insurance that the policies will cover the loss of any golf equipment.

As a traveler, you must also note the fact that flight will not be the only form of transportation you will use to travel abroad throughout the year. If you wish to travel by train, there are some annual travel insurance plans that covers cruise or and train cancellations and delays. If you and your family plan on cruising so much for the period of the year, all you need is this type of insurance coverage.

Finally, ensure that you choose the type of annual travel insurance that suit your needs and cover everything you will be doing when you travel abroad, whenever you are looking for some good plans. As there are many options available do not be overwhelmed but make sure you do a thorough research and read the reviews of different insurance companies to know what they have to offer before choosing the best annual insurance plan that will be suitable for you. 

Whether you are traveling abroad on annual vacation, for business or to study abroad, it is very important to take some safety precautions that will safeguard you from danger. Some travelers have landed themselves in serious problems in the past which they live to regret for the rest of their lives. Some of them were jailed for contravening various laws, some have lost their valuables to hoodlums, some were hospitalized for various ailments while some were repatriated immediately they arrived the airport of their country they are visiting, all because they failed to adhere to some simple safety precautions. Here are some tips on safety precautions while traveling abroad.

Safety while on the Street

Apply the safety precautions you use in your home country, but be cautious or avoid those places that you can be victimized easily. These places include train stations, crowded subways, elevators, market places, tourist sites, crime-ridden neighborhoods and festivals. When you are on the street therefore;
- Do not use poorly lit street, short cuts or narrow alleys
- Avoid traveling alone at night
- Keep away from public demonstrations and civil disturbances
- Avoid loud conversations and maintain a low profile
- Avoid discussing your travel plans and other personal matters with unknown person (s)
- Be wary of strangers that might approach you and offer to guide you or sell something to you at bargain prices
- Be cautious of pickpockets among other safety precautions on the street

Safety while in Your Hotel

- Attend to visitors in the lobby at all times and keep your hotel room locked always
- While you are going out of your hotel room, do not leave your money and other valuables like passport, credit cards, credentials and other important documents in your hotel room
- Do not get on an elevator if you are alone and notice a suspicious-looking person inside.
- Study the fire safety instructions in your hotel room very well to understand how to report cases of fire and be sure of the nearest fire exits as well as where alternate exits are located.

Safety on Public Transportation

- Board taxis that are identified by official markings and avoid unmarked cabs.
- While on train, be cautious of well organized systematic robbery of passengers along popular tourist routes. Do not accept food or drink from people you don’t know.
- If you are threatened in any way, alert the authorities.

Safety When You Drive

- Wear your seat belts and keep the car doors locked always
- Avoid driving at night as much as possible
- Avoid leaving your valuable in the car and if you must carry some things with you, let them be kept out of sight.
- Avoid parking your car on the street overnight. Choose a well lit area to park your car, if the hotel or municipality does not have a secure area or parking garage.
- Avoid picking up hitchhikers
These are just few of the safety precautions that you have to take while you travel abroad. When you obey these safety precautions, you will not have any problem and your travel abroad will be an exciting one.

Whenever you are traveling abroad, is European health insurance card sufficient or is full medical insurance mandatory? The fact is that if you are planning to travel abroad without European Health Insurance Card – EHIC or and travel insurance, you will pay exorbitantly for hospital bill due to the fact hospital treatment in foreign countries is very expensive. As a matter of fact, if you fall seriously ill and require medical attention while abroad, the average cost of medical treatment now according to research carried out by Sainsbury’s Finance is £2,040, up 6.25% year on year.

The most expensive country for inpatient treatment is the US, from an analysis of travel insurance claims. Thailand is the next country, followed by the Canary Islands and the cheapest country as far as medical treatment is concerned is Bulgaria. Since there is no clause that you would have to bear the full cost of any medical treatment if you are traveling to a country, travel insurance that will cover your medical expenses and repatriation is mandatory.

However, quite a number of travelers would argue that if you are young, healthy and traveling to Europe devoid of children, most especially if you are traveling to bigger cities to certain degree than the back of beyond, then, it might be adequate to travel to Europe with EHIC without travel insurance.

Moreover, the EHIC offers you access to state-provided healthcare at a reduced cost or even free sometimes, if you are a UK resident on temporary visit to Iceland, Norway, EU country and Switzerland.

The validity of EHIC is five years and this card is free. To apply for this card, you are required to supply the national insurance or NHS number, surname, forenames as well as your date of birth. You will be entitled to treatment that may become essential in the course of your travel by presenting the EHIC. Although this doesn’t allow you to travel abroad to receive medical care, but the usual renal dialysis, maternity care and managing the signs of chronic and existing conditions that take place while abroad are covered. In addition, the EHIC allows you similar state-offered healthcare as a resident of the country you want to visit.

Patients have to contribute to the cost of their treatment in some countries and you might be expected to do the same, even with an EHIC, although you may be reimbursed for this by the time you get back to UK, provided you are not able to do so in other country.

Remember the fact that EHIC is not an alternative to travel insurance – advice from the UK government and the NHS, because it does not cover the costs or private services or private healthcare which does not cover the cost of mountain rescue in ski resorts or not part of the state healthcare system or being brought back to the UK.

Finally, remember that healthcare system of each country is different, when weighing up whether to risk not buying travel insurance, therefore your EHIC might not cover everything you would expect free on the NHS. For instance, in Europe, some of the state – operated hospitals have privately-run ambulance services, but you would have to pay for this.



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