Travel Insurance and Alcohol
Published January 4, 2012 | 
Whilst we are by no means suggesting that you abstain from alcohol whilst on holiday it’s important to release the implications that heavy drinking will have on your holiday insurance policy. Take the example of Theo Paget, a 20-year old male who suffered a spinal fracture when plummeting 50 feet from a balcony in Marmaris, Turkey. It was a miracle that Theo survived a fall from such a large height and whilst the tabloids have dubbed him ‘rubber man’ one thing that he won’t bounce back from so lightly is his astronomical hospital bill. You see after Theo admitted that he was on a cocktail of drugs and booze at the time of the fall his travel insurance policy refused to pay the price of his hospital admission. And why would they? We do a lot of things drunk that we certainly wouldn’t do with a sane mind and if under the influence of alcohol we believe that we can successfully jump 50 feet from a balcony, it is unfair to make our holiday insurance company pay out when we soberly face the consequences in a foreign hospital bed.
What are even more alarming are the sozzled skiers that admitted to being drunk on the slopes. A whopping 14% of people surveyed by a British holiday insurance provider admitted that they had indeed taken to the slopes drunk. Whilst we’re all for having a warming cup of mulled wine we prefer to enjoy our beverages apres ski and with the French medical care being so costly who can blame us? Whilst the EHIC card has a reciprocal health care agreement with many people, France is one of the few countries which this doesn’t extend too. If you invalid your travel insurance policy by drinking over the reasonable limit, then you should expect to pay around
Different Types Of Travel Insurance
Published January 4, 2012 |
We all love to travel to different locales. However, it is important to be safe from traveling risks. You should always ensure that you have travel insurance, especially when you are going to a new place or to a place for the first time.
There are many different types of travel insurance that you can get from your travel agent. Find out a package that best suits your needs. It might be possible also to make a tailored travel insurance if you cannot find one that is suited for your kind of trip or vacation.
Some of the different types of travel insurance are as follows:
o Single trip travel insurance is for you and your family when you a planning just a single trip or a holiday. It will give your basic cover for trip cancellation along with medical insurance for the duration of your trip. At times, it is quite possible to include some additional coverage at an elevated price.
o Multi Trip Travel Insurance is for frequent fliers and travelers. Some insurance companies specify the number of trips that can be covered by the insurance. This insurance offers a good discount and you include additional coverage like winter holidaying or golf.
o Long stay travel insurance is for duration of 3 to 18 months and is ideal for those who like to take long trips. This is especially suited for holidays when you are visiting your relatives or friends.
o Medical Travel Insurance covers all health related issues that might occur during a holiday. However, you have to declare all pre-existing medical conditions and you might have to take a special coverage for those.
Then there are other types of insurance that will cover you when you go on a cruise, business travel or a group travel. You should find one that best suits your traveling needs and if you cannot get it from your travel agent, contact your insurance company.
Travel Insurance – Family Travel
Published January 4, 2012 |
When preparing to travel with a family, there can be a multitude of different things to sort out – from tickets to taxis to the airport, as well as packing clothes, equipment and toys in between.
In amongst all the hassle of packing, arranging and ensuring your young ones will have enough to keep them occupied until you get to the hotel or resort at your destination, the thought of arranging insurance for your holiday might slip to the back of your mind.
Checking that you have adequate travel insurance before your trip is essential in order to ensure that you and your group are covered in the event of accidents and theft during your holiday.
Annual travel insurance policies can be purchased for longer periods of time, should you be making multiple trips during a short period of time.
Such deals can often work out cheaper than single-trip travel insurance and can help cover all members of your group during your holiday your family from a range of factors.
When searching for cover it is important to shop around, research different policies and the type of cover that they offer and, most importantly, to read the small print to check for any snags which could affect any claims.
Factors will depend on location and any planned activities during the holiday. Whilst activity holidays can be fun for all, but it is important to make sure you’re covered for sports such as jet-skiing and other activities that have an increased risk of injury.
It is also essential to ensure that your possessions are covered for the duration of your trip in order to protect against any financial loss as a result of theft, luggage and passport loss, travel delays and any other legal expenses.
There are also a wide range of companies that specialise in and offer family travel insurance. These policies can be catered to meet the needs of your holiday and help to cover costs should you or your children require any medical assistance during your trip.