Why Is It Important To Have Group Travel Insurance

Group travel insurance is essential for any group who are travelling internationally and domestically. A growing number of travelling is being completed in the group format, whether for a specific interest group, corporate event, school or sporting tour. These adventures represent a lot of coordination and investment, both in time and money, to organise and complete. The trip envisaged is meant to represent the experience of a lifetime. But what happen if someone is ill, has his or her luggage or passport stolen, or is involved in an accident while on trip? This is where group travel insurance comes to the rescue, providing immediate assistance and advice in your time of need, as well as covering the costs incurred with the incident or accident.

There are many reasons and key benefits of group travel insurance, including being covered for unexpected illnesses or injuries that may occur while the group is travelling. Dependent on the country being visited, the level of public care may be questionable and private care is the only real option. Without adequate cover for the group, those who have suffered the incident may not get the correct medical care required. Furthermore, in some countries, even the public health care system is based on user pay, with those without adequate group travel insurance or the money to pay for the care itself, not being eligible for any medical procedure.

Travel interruptions are a necessary evil of modern day travel, where tight deadlines, along with international weather and possible political situations, may adjust the original timetable of the holiday. As group travel is usually for a specific purpose, the timelines are strict for departure, arrival and the itinerary when in the host destination. However, group travel insurance has the ability to provide for travel interruptions, whether this is occurs during the set itinerary or an emergency at home requires all or part of the group to return home.

When younger groups are travelling, many will want to participate in a range of adventure activities. While exhilarating, sky diving, bungy jumping and hiking can be inherently risky. Most group travel insurance policies will have the ability to add these activity types to the total cover of the group travel insurance.

With all the monetary and time investment required to organise and implement a travel experience for your group, don’t risk the outcome of the experience by not being adequately covered.

3 Compelling Reasons to Buy Holiday Insurance

Have you ever wondered why it’s important to look for deals on low cost holiday insurance? Unbelievably some people go away without securing cover at all, but this isn’t a smart move at all. If anything happens – such as an accident, for example – they would be completely without help to fall back on to assist with the considerable unexpected costs.

In case you needed any more reasons to purchase a simple and affordable policy, we’ve got three for you right here.

1. Why spend more than you need to?

It can be tempting to buy the first policy you find, whether it is online or in person. However, if you do this you will never know whether there were far cheaper policies out there instead. The chances are there will be much better deals than that first one, so it makes sense to ensure look around. Remember to compare carefully though – the cheapest deal may not always be the best one you can find.

2. You’ll be covered for more than you might think

Cheap doesn’t always mean nasty! Indeed, in the case of low cost holiday insurance you might be surprised just how much cover you can get for your money. The small print might make you break out into a cold sweat, but it really is worth looking at it as closely as you can. Ensure it covers you for everything you need before going ahead with any quote you find, however.

3. Some policies cover more than one trip or person

There are plenty of opportunities to find the perfect low cost holiday insurance for your needs. The flexibility these policies provide means you can always get the right one to suit your situation.

For example: are you travelling alone or with other members of your family? In either case you can find a suitable policy to cover everyone involved or just you. Similarly, you might be better off spending money on a multi-trip policy if you know you will be going away again in the next twelve months. This alone can save you a lot of cash and it’s easier than buying a new policy every time you travel.

As you can see, it makes good sense to buy a good, affordable policy before planning your next holiday. Remember to compare like with like: sometimes, if you settle for a more expensive one it won’t necessarily give you more cover. In some cases you may even find you end up with something sub-standard when you could have spent a lot less elsewhere for a better policy.

First-Time Traveller? Why You Need Single Trip Insurance

Heading off to a foreign country for the first time can be one of the most exciting experiences a person can have. Like every new venture, however, the success of your trip depends on how prepared you are. Doing basic research on your destination will not only ensure you get the best deal possible, but also that you get the most out of your trip in terms of visiting the best attractions. You’ll learn more about the sites of historical and cultural significance, sampling the best food and wines, finding the best souvenirs, as well as avoiding the obvious tourist traps and more unsavoury neighbourhoods.

If you do extensive research, one of the things that will invariably come up is the need for single trip insurance. (If you plan on going away more times in the same year you may be better off investigating multi-trip policies.) Listed below are a few reasons why having proper cover is vital, especially for the first-time traveller.

It protects you from travel-related financial loss

With advances in technology and infrastructure, foreign travel is a great deal more affordable than in past years – however, it is still far from being cheap. Even if you get the best deal possible, little expenses can pile up, and the majority of the big expenses – such as airfare, hotel reservations, and any tours you may wish to take – will have to be paid in advance. There are also a lot of expenses before you leave that you may not originally take into account, such as vaccinations, new lightweight luggage, or paying for a house or pet sitter. Just as there are things you need to take care of before your adventure even begins, there are also a million things that go wrong even before then. Without single trip insurance, advance payments could be lost if you need to cancel your trip for any reason. A good single trip insurance policy protects you against financial losses related to cancelled trips, as well as in the event you need to cut the holiday short for any reason. Depending on your specific policy, it may also cover theft or loss of property, provide medical coverage in the event of illness or medical emergencies, and protect you against liability in case of accidents.

It helps you make the most of your holiday

In recent years, with the rise in both the air transport and travel industry, travel-related facilities and services have become more streamlined and modern. Travel is now faster, more comfortable, and infinitely safer. However, even when you’re extremely careful, no activity is ever 100% safe. Getting the most of your holiday means trying new things and experiences, and having a good policy can give you peace of mind and the freedom to cut loose and try new things, such as unfamiliar food and experiences. You will also rest easy knowing you are protected from financial loss and have access to medical treatment.

It prepares you for the unexpected

Even if you’re extremely conscientious, there’s just no way to plan for every eventuality, especially if it’s your first time-and that’s part of the fun of life in general! But having single trip insurance in place can help you deal with unexpected bumps and issues during your holiday, in ways you may not even imagine.

Family Holiday Insurance – What Influences Your Cost?

Heading off on a holiday with the family? Hopefully you have purchased your family holiday insurance as a matter of priority. If you’re wondering just what influences the cost of your family holiday insurance, you might find the answers here.

Where you are travelling to and how

It should come as no great surprise to learn that some destinations in the world are likely to be considered far riskier than others. In fact, some destinations may be considered so risky as to mean that the provider may decline to offer you cover for them.

In addition, the nature of your travel might also play a part. For example, some types of winter sports holidays might be seen as bringing with them much higher risk of injury than a traditional seaside-type holiday by the Mediterranean during the summer months.

If you are planning to go on a free-wheeling backpacker break around the Middle East for several months as opposed to a short-duration guided tour of the same areas, then you might again realistically expect to see a reflection of the perceived increased risks in the premium you pay.

The nature of your chosen policy provider

Some companies see the world very differently to others. What that means is that the price of cover can vary quite significantly from one company to another, even where everything else is more or less equal. The key message here is, of course, that shopping around for your cover only makes sense.

The risks you are seen to constitute yourself

It is a rather sad fact of life that the risks that come with us as individuals change depending upon things such as our age and overall background health situation.

If you have certain forms of pre-existing medical conditions, it may have an effect on the amount you pay for your cover. In fact, depending upon the severity of your condition, some family holiday insurance providers may decline to offer you cover at all.

The cover your policy provides

This is a fairly significant issue and one that is worth thinking about. Travel policies are not identical to each other, and some offer what might be seen as being better benefits in some areas than others. It’s not always easy to sort out just what the policy is offering and how it compares to another, but it’s something that it might make sense to do. To some extent, there may be a tendency to get what you pay for and selecting based upon price alone might sometimes prove to be a risky strategy. Instead, look at what cover is offered and decide which of the ones you are considering appears to be most suitable for the type of holiday you are contemplating. If this sounds like something of a bureaucratic overhead, remember that your family holiday insurance might one day be all that stands between you and financial ruin. It’s a subject that it is worth taking seriously and investing a little time on before you make your purchasing decision.

How to Find Low Cost Holiday Insurance for Your Next Break

You’d be forgiven for thinking low cost holiday insurance is a contradiction in terms. After all, aren’t all these policies incredibly expensive?

In fact, this isn’t the case – although it is true to say you could spend a lot more than you’d need to if you don’t look into the market in more detail. Fortunately, with our help, you can make sure you get the best deals on the market every single time. Let’s see how to do it.

Step one – know what you need

Do you know what type of policy you need? There are plenty of options here, including single trip policies and multi-trip options, not to mention policies that cover family trips and others that just cover a single person. Other examples include policies that are designed to cover extreme sports – something most standard policies don’t do. Make sure you have the basics right before you start looking, as this will cut down the amount of time you need to devote to the search process.

Step two – search the market thoroughly

The less time you spend looking for the low cost holiday insurance you want, the less likely it is you will find the cheapest one on the market. Of course, you could get lucky and find the best and cheapest policy right off the bat, but life normally doesn’t work like that, as you probably know.

Make sure you don’t look for your cover when you don’t really have time to do it properly. Allocate some time when you won’t be disturbed, make sure you have the information you need according to step one above, and then get started.

Step three – start requesting quotes

When you look for low cost holiday insurance online you can normally do so quite easily. Most websites will allow you to request a quote online and then have a copy sent to you by email if you wish. Typically speaking, these quotes will also be valid for a specified length of time – more than enough to give you time to check elsewhere before plumping for the quote of your choice. By checking out as many sources as you can, you’ll be able to save more cash than you would otherwise be able to do.

There we have it: three steps between you and the cheap holiday cover policy you want to get. You might be surprised how cheaply you can get one if you look hard enough and in the right way. In fact, if you’ve spent a lot more in the past you might be slightly frustrated, yet pleased you don’t have to spend that amount again! In truth, providing you make sure you don’t miss any of the steps above you’ll find a good deal for low cost holiday insurance in no time.

Why You Should Consider Purchasing Travel Insurance Online

Seasoned travellers are well aware of the benefits of travel insurance. Online and in print, there are thousands of horror stories regarding travellers stranded with no funds because of stolen bags or because they missed their non-refundable flights. Reputable providers not only offer financial protection in the event of cancelled or interrupted trips, but also provide assistance in the event of a crisis during your travels – such medical or emergency coverage in the event you fall ill, reimbursement for lost or damaged property, and even evacuation services in the event of political turmoil, terrorist attacks, or natural disasters.

Best of all, when it comes to your travel insurance, online services mean that you can communicate with your provider and access their website at any time, from any Internet-enabled device. Listed below are some of the reasons how having access to your travel insurance online can save the day when you’re travelling.

No office hours

Let’s face it, during your trip it’s more than likely the reason you need to check your policy is in an emergency. Therefore, the most frustrating scenario to have is to be made to wait for business hours, especially when there’s a significant time zone difference between your home and destination countries. Being able to access your policy online means you can have the information at your fingertips at any time, thereby being able to act and make decisions quickly. For example, without cover, hospitals will most likely insist on cash upfront before treatment, which is not always possible in remote locations. Having a policy that is easily verified online ensures that you and your loved ones receive immediate and appropriate treatment without delay.

No language barrier

Exotic destinations are an adventure to visit but can be a nightmare during times of emergency. Without cover, you may have issues finding the right people to help you with your problem – such as lost documents or missed connecting flights, for example. You may find yourself having to explain your problem as best you can, with no guarantee that you are understood, and unable to make heads or tails of the response! Reputable providers not only have years of expertise dealing with travel-related issues, but have also developed a wide network of partners. This means that by being able to access your policy you’ll not only be able to find the information you need, but also someone to help you with the problem itself.

No red tape

Red tape is always frustrating, but never more so than during emergencies. It’s hard enough having to produce the necessary documents when you’re at home and you have everything on hand, but it’s near impossible when you’re in a foreign country and you forgot just exactly where you packed them or if you remembered to bring them at all. Fortunately, having access to your travel insurance online means being able to produce these documents on demand or forward them to the hospital’s email in seconds.

Things to Consider While Choosing Cheap Worldwide Travel Insurance

Travel insurance is the most important component of your package holidays. It makes sure that you stay safe and healthy throughout your vacations. A wide variety of travel insurance is available, but unfortunately, not all of them provide the same kind of benefits. Hence, before you buy cheap worldwide travel insurance, it is essential to take into consideration a few important things.

  • Know your needs- Take out time to enlist all your needs and requirements. Once you know your needs, it will be easier for you to find an appropriate insurance plan that provides you the best value for your money. For instance, if you’re over 65 years of age, then ordinary travel insurance would be useless for you. Look for a special plan that readily takes care of your special needs. Don’t forget to take into account your pre-existing health condition. Sometimes common ailments like asthma, diabetes, hypertension, cancer and coronary heart disease are not covered. It would not be worthwhile to buy a plan that doesn’t cover your pre-existing health condition.
  • Price variance- Like package holidays, the price of travel insurance is highly variable. It depends on several factors like the places you’re intending to visit, activities you’re planning to participate in, and so forth. For example, if you wish to travel to war-torn countries like Afghanistan, Libya or Egypt, then you would have to pay more. Likewise, the cost of your policy would increase dramatically, if you’re planning to participate in activities like bungee jumping or skydiving. The place from where you purchase the policy also has a marked influence on the price. For instance, over the internet, travel insurance is relatively cheap because of stiff competition.
  • Check out- If you already have travel insurance, then you don’t have to waste your hard-earned in buying a new one. Check your documents carefully to ascertain whether you have international health cover or not. For example, private healthcare insurance companies often cover emergency medical evacuation and repatriation across the world. Similarly, your home insurance policy would cover all the sports and tech gadgets that you’re intending to take abroad. If you’re planning to use your credit card for making payment abroad, then do check its terms and conditions, it might include trip cancellation insurance. Your debit card can also provide your similar benefits. Apart from allowing you to make unlimited withdrawals free of cost, it can also provide you international travel health insurance.
  • Shop around- While shopping around, do bear in mind the following significant points:
    1. Be honest- Do not hide your medical condition from your insurance agent because if any emergency arises on foreign soil, you won’t get requisite benefits from your cheap worldwide travel insurance plan.
    2. Consider the deductible- No insurance policy would cover 100% of the costs, you would have to bear some of the expenses. For this reason, do take the deductible into consideration.
    3. Pay attention to fine print-Companies often spell out important facts in fine print. Hence, apart from the terms and conditions, read the fine print carefully to avert unpleasant surprises.
  • Extent of coverage- Last, but not the least, do find out what kind of coverage is the insurance company providing you. In addition to taking care of your baggage and personal belongings, the travel insurance should also cover all kinds of medical emergencies. Conversely, medical emergencies arising from your carelessness would not be fully covered. If for any reason you’re compelled to cancel your trip, then the insurance should also cover trip cancellation costs. A majority of cheap worldwide travel insurance plans do not cover trip interruption expenses. However, under certain circumstances, you’re left with no other option than to interrupt your holidays and resume it after a few days. Trip interruption and curtailment costs should also be covered.

Exclusions and Limits To Watch in Travel Insurance Policies

One of the most important things to remember when booking a holiday or business trip is to always contract a good policy well in advance. Leaving it until the last minute could mean failing to obtain it at all, and risking travelling without cover; that, in turn, would lead to any and all setbacks experienced during the trip having to be paid out of your own pocket, resulting in potentially significant expense.

That is why it is so essential to purchase a policy before leaving home for any significant period of time. Whether you opt for single trip insurance, contract a multi-trip policy, or even take out an annual plan, you will always be protected, at least temporarily, in the case of any eventuality.

It is also important to know, however, that these plans do not cover everything. There are a few very clear restrictions common to most single trip insurance, multi-trip insurance or annual insurance plans, which you should keep an eye out for when contracting any of these policies. Failing to do so could – once again – result in seeing your claim denied and you being out a considerable amount of money.

Existing medical conditions

One of the most common of these restrictions, and one that most people are genuinely not expecting, is the one pertaining to previous illnesses or medical conditions. Most policies do not cover their beneficiaries against the resurgence of a previous medical condition. What this means, in layman terms, is that if you are, say, an epileptic, your single trip insurance policy will not cover you against an epilepsy attack, even if your last one was several years ago. This is one of the main sources of complaints from clients taking out cover, and something that is not always clear. As such, if you have a recurring medical condition, be on the lookout, as any expenses you incur during your trip will not be insured.

Self inflicted accidents

The other main exception that commonly pops up across all of these policies relates to accidents caused by, or after, the ingestion of alcohol or the consumption of drugs. Most policies are adamant about not insuring against this type of incident, mostly due to the high risk factor such a support would entail for the company. Although this particular caveat is rather more obvious than the one mentioned in the previous paragraph, it is still useful to be aware of it when contracting a policy.

Read the fine print

Other than these two major exclusions, customers contracting insurance policies should be on the lookout for the fine print. Some companies, for instance, will not cover against missed flights on their single trip insurance policies, while others may have different ‘quirks’ along the same lines. Travellers heading for holidays in which a high level of physical activity is involved should also strive to find a suitable policy, as most standard plans will not cover against high physical risk. Finally, most companies recommend that holidaymakers take good care of their belongings, as damages or theft resulting from negligence are usually not covered by these policies either.

All in all, the exclusions above make reading the terms and small print on any policy contracted highly recommended for any traveller.

Understanding a Family Travel Insurance Policy

When you travel abroad with your family, you need to ensure you are covered for any and all possibilities in the event of an emergency or difficulty. Of course, you probably don’t need to include a clause in your family travel insurance cover against a shortage of snow if you’re travelling to Barbados, but it is sensible to ensure that your cover is appropriate for your particular requirements.

What Can Go Wrong?

Most people purchase single trip or annual travel cover to protect them against things going wrong, but just what can happen when you are travelling abroad temporarily?

The answer is, plenty of things!

Firstly, you may need to cancel your holiday before it even begins, if, for example, one of your party becomes too ill to travel or someone close to you dies. You may need to abandon your plans but, if you’re properly covered, you’ll receive a payout against your costs so you can rebook at a later date.

Your family travel insurance will also cover you whilst you are travelling to the airport, in case you are delayed by circumstances beyond your control and miss your flights. Your flights may be cancelled or delayed so long that you miss part or all of your holiday, so what would happen if the hotelier insisted on charging you for at least your first nights’ accommodation, when you haven’t turned up on time? If you have a good policy, you will be reimbursed – if not, you’re on your own.

What if You Lose Belongings?

If the airline loses or misplaces your luggage, a family travel insurance policy will provide you with 24-hour emergency assistance and allow you funds to purchase replacement clothing and other items at a moment’s notice.

In another, less savoury scenario, you may be living in unusual circumstances when you are abroad, so you’ll be an easier target for thieves. If you are mugged or any belongings are taken from your hotel room, your policy will take care of the financial burden of any medical treatment and the replacement of valuables.

The NHS Does Not Stretch Overseas

Although you will receive some basic NHS cover in Europe and some other countries, it will not be sufficient to provide you with the standard of service that you would have expected at home. If you’re travelling to America, you will find that medical expenses are extremely high and you may find a bill for thousands of pounds for just a few minutes consultation. Most insurers will expect you to take out at least £1 million worth of cover against medical expenses. In the event of needing emergency care when you are away, it is vitally important to have family travel insurance for you and your family.

Top 3 Tips to Avoid Hassle and Enjoy Your Family Holiday

Quite often, parents travelling with children end up getting too stressed out to actually derive any pleasure from the supposed ‘family getaway’. The truth is, the stress stems from parental expectations that are not only misguided and unrealistic, but also entirely incompatible with what your kids want. There are plenty of things you can do (foremost of which is buying a sound family travel insurance policy) to make things run more smoothly and with far less to worry about. To ensure that you and children enjoy the journey, here are some life-saving tips.

Be flexible with your pace

Depending on the age of your children, the pace of how you travel from one location to another is usually determined by the youngest member of your family. It’s not enough to simply buy an excellent family travel insurance package and expect that the rest of the holiday will take care of itself; you need to match your children’s expectations with yours, and ensure they understand both. If you have a 16-year-old child, for example, as well as a 6-year-old, you’ll understand they will have different paces; finding the common ground between them is key to avoid them being at loggerheads. Naturally, the pace of the 6-year-old will determine your group’s overall speed, but this is actually good, as you can spend the extra time savouring the sights and mingling with the locals. You can also take more pictures and make your visit much more memorable – every cloud has a silver lining!

Have a contingency plan

You may believe that you have the most ironclad itinerary in the history of holidays – but adding children to the mix can easily demolish the best-laid plans. While a good family travel insurance policy will protect you from financial problems, do make sure you stay flexible regarding your scheduled travel. Children have needs different from yours and you may unwittingly push them too hard and turn your holiday into a chore rather than a pleasure for them. Take your time, respect the needs of everyone in the group, learn to adjust, and always, always have a back-up plan when things don’t go as pleasantly as planned.

Keep your expectations realistic

One common source of friction between parents and their children when travelling together is the parent’s failure to recognise one simple truth: what children want may be completely different (or even opposite) to what the adults want. At the very least, you, as a parent, must recognise that your children may not see the Eiffel Tower through your eyes – to many it’s just a big metal tower. In fact, however, children may be taken by the smallest of things: a butterfly fluttering across the park in Barcelona, a gelato stall in Sicily, or that old Italian man selling roasted chestnuts. By listening or sensing closely what delights your children-and following through-you’ll lessen the friction and open up the trip to being far more memorable.

Getting good family travel insurance just sets the foundation for a relatively worry-free travel, but that’s only the beginning. Follow these tips and you’ll be well on your way to that Holy Grail – the ideal family holiday.