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Travel Insurance Articles |
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Expert Author: Patrick Chong | Summary The EHIC card may have been out for years but it still seems to confuse people. Many people wrongly believe that the card acts as a substitute for holiday insurance whilst travelling to and around Europe; here we set the record straight and explain just why it is so important to have both. Expert Author: Patrick Chong | Summary Travel insurance hit the headlines recently when it emerged that many Britons are losing out on their holiday insurance premiums after neglecting to mention pre-existing medical conditions at the time of booking. So what medical conditions should you mention when taking out travel insurance and what exactly are your rights in relation to existing conditions? Expert Author: Patrick Chong | Summary When travelling on a budget, many people want to cut down on expenses wherever possible, and travel insurance is one of the first items to go. But minor setbacks while travelling are common, and a cheap travel insurance policy could end up saving you quite a bit of cash in the long run. Expert Author: Patrick Chong | Summary Sometimes careless travellers are to blame for their own accidents. Take a look at these amusing lapses in judgement and try to judge whether the people involved even had the good sense to acquire any cheap travel insurance before they set off on their misadventures. Expert Author: Patrick Chong | Summary So you’ve booked your holiday, filled in your EHIC card and paid for your travel insurance. You’re all sorted right? Well you may want to check again. Here’s our list of important things that you should remember to check for when buying holiday insurance. Expert Author: Patrick Chong | Summary Buying cheap travel insurance has never been simpler, with a huge number of insurance companies offering easy online booking and claims. While the vast majority of people who buy travel insurance do so without a hitch, there are times when people are left scratching their heads, uncertain as to what policy they need to buy or what level of cover is on offer. Here are some answers to a few of the trickier travel insurance questions... Expert Author: Patrick Chong | Summary Holiday insurance - for some people buying it is almost instinctive as soon as they book a trip, whereas others will inevitably leave it until the last minute...if they choose to buy it at all! It is easy to say ‘it’ll never happen to me’ but the risk simply isn’t worth taking - cheap holiday insurance is so easy to get (and the cost of an uninsured disaster so high) that there really is no acceptable excuse. Expert Author: Rudi ONeil | Summary It isn’t getting any cheaper to obtain insurance company. This is slowly making the world a more dangerous place, as people are willing to avoid paying insurance policies that they simply cannot afford. If you are shrewd though, there are ways that you can save yourself money on insurance. Expert Author: Patrick Chong | Summary When it comes to buying travel insurance, an increasing number of UK holidaymakers are digging out every excuse they can find not to pay for it. But with cheap travel insurance so widely available, there’s no convincing reason to avoid buying it - here are five of the most commonly used excuses, and the reasons why you shouldn’t try and use them yourself... Expert Author: Kieron Sellens | Summary For peace of mind and financial protection on your holidays, many people look to bigger brand names, mistakenly thinking them to be better because of their brand alone. We examine travel protection from the main brands in greater depth. Expert Author: Rudi ONeil | Summary The type of insurance that is purchased is largely dependent on the frequency of travel. If your business requires that you travel infrequently then it is wise to purchase single trip travel insurance, as and when is appropriate. If business trips are frequent however it is far more cost effective to purchase annual business travel insurance. Below is information on how getting insurance could make all the difference. Expert Author: Amelia Stenson | Summary World travel has become more and more tenuous simply because of a growing range of disasters that can and have struck at the most inopportune moments, making travel insurance an imperative. Even though you may not be a victim of a tsunami, hurricane or act of terror, you might become embroiled in costly delays or have to outlay for accommodation and medical costs that are not factored into the holiday budget. Expert Author: Rudi ONeil | Summary Multi-trip travel insurance is designed so that the procurer need only purchase one policy to be covered for a multitude of trips. Generally it gets sold per annum so the procurer need only purchase their travel insurance once a year in order to be covered for the whole 365 days and any travelling that they partake in during that time period. It is important to realise that the longest you can be out of the country for is 120 days, and it is sometimes less with certain policies. Expert Author: Patrick Chong | Summary Most people buy their cheap holiday insurance at the last minute before they go away, don’t bother to read the small print, and then forget about it for the duration of the trip. In many cases this isn’t a problem, as the majority of holidays pass without a hitch, but when the times comes for making a claim many travellers are woefully under prepared. Expert Author: Patrick Chong | Summary Sometimes, holidays go wrong. Usually it is just a matter of a missed flight, a lost camera, or a nasty infection that threatens your holiday, but sometimes things are much, much worse – from scorpions at Miami airport to travellers cheques in the underwear, hear are six horror stories of holidays gone wrong! Expert Author: Patrick Chong | Summary Everything is dangerous to some degree, but there are some journeys, experiences and events that are more hazardous than others are, particularly when on holiday. To help holidaymakers, we look at the top five situations where you would definitely want to have travel insurance... Expert Author: Patrick Chong | Summary Leaving home without travel insurance can be a risky business. Unlikely though they may be, even the smallest accidents can land you in a sticky situation, especially in a far flung country where the language barrier may be the least of your concerns. Luckily, arranging holiday insurance in the modern world can be a swift and inexpensive affair. But it hasn't always been this way. We at Journey's Travel thought we'd have a look at how a few heroes of yesteryear could have benefited from even a basic travel insurance policy... Expert Author: Patrick Chong | Summary When you purchase an insurance policy you will almost certainly hear the word ‘Excess’ (or ‘Deductible’ in America) banded about. But what exactly does it mean, why do you have to pay it if you claim, and what is the point of it? We examine excess in greater detail to help dispel the mystery surrounding the word. Expert Author: Patrick Chong | Summary Travelling while pregnant can be a bit of a gamble. ‘When should be your cut off date? What kinds of travel are worse than others for heavily pregnant mothers? Should you risk it if the destination isn’t prepared for or can’t or won’t offer maternity care?’ The last worry you would want on top of this is ‘how much will it cost?’ We take a look at the world of travel and pregnancy and see how having travel insurance on holiday is very important when pregnant. Expert Author: Patrick Chong | Summary After you’ve bought single trip holiday insurance once too often, it can be tempting to turn to annual travel insurance instead. The benefits seem numerous - less cost, less hassle, and many optional extras - yet committing to an annual travel insurance policy isn’t to be done lightly. You need to make sure it is the right policy for you, and that you can get it at a price that saves you money. These are a few of the questions that you should ask yourself before buying annual travel insurance...
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