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Travel Insurance

Tips for travel insurance in later life

For many, reaching your golden years and retiring is an opportunity to spend time enjoying life and leisure activities. After working hard throughout your adult years, retirement is the time you can spend reaping the rewards of your work. The freedom and fewer time constraints of retirement mean that many older people choose to travel and see the world. So, travel cancellation insurance for the over-60s is essential.

Travel insurance policies for over-60s can be more tricky to obtain or slightly more expensive compared to ones for younger people; however, that doesn’t mean it isn’t worth finding the right policy for you. Different factors impact how expensive a travel insurance policy is and here are a couple to consider:

Duration

As you’d expect, the longer your trip, the more expensive the travel insurance policy will be. So, if you plan on making the most of retired life with several lengthy trips a year, opting for an annual policy rather than several single-trip policies may be more cost-effective.

Destination

Some destinations will incur a higher travel insurance cost than others. This is often due to whether the location is considered ‘risky’ or not, for example, is there a history of natural disasters? However, as these locations often have a higher chance of something happening, it’s definitely a good idea to pay the extra and be protected.

Itinerary

The activities you’re planning on doing during your trip can impact the price of insurance. For example, if you’re planning a more adventurous retirement holiday and want a policy that covers activities such as snorkelling or skydiving, it will cost you more. In contrast, a more leisurely trip will likely be cheaper insurance-wise. You can even get specific cruise insurance if you’re planning on taking a trip across the seas.

Personal details

Your personal details and history will also impact the price of a policy. Specifically, your age and any pre-existing medical conditions are the two most significant factors taken into consideration. If you have medical issues, it is likely this may increase the price of your insurance.

To find the best travel insurance for seniors at a competitive price, use our comparison tool.

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Travel Insurance

What are the risks of travelling without travel insurance?

Insurance has become one of the most important parts of being able to travel. From illness to lost luggage, there are plenty of reasons for you to make sure that your trip is financially covered. Read on to see just a few reasons you need the best annual travel insurance, and what you can risk without having it.

In case of illness

If you get ill abroad, you could be in big trouble. In countries such as the United States, where medical bills can weigh down on you heavily, being covered can stop your trip from being a very short journey to bankruptcy. The same applies to any countries with significant medical costs since nationalised healthcare always tends to be in place for citizens, leaving tourists out in the cold. By getting comprehensive travel insurance, you can keep everyone in your travelling party as happy and healthy as can be throughout your trip, so you can focus on the holiday itself rather than having to budget for injuries.

Lost or damaged luggage

Travel insurance does much more than just looking after your physical condition, and can be a versatile tool to cover you in all sorts of financially precarious situations. For example, if your luggage goes missing at the end of your flight, hundreds of pounds worth of valuables and clothes could go missing along with it, and that can be hard to cover whilst also paying for a holiday. With travel insurance, the financial burden of lost luggage is much lower, and you won’t have to worry in the long run.

Delayed flights

If your flight is late and you can’t make it to your final destination, you might have your entire holiday ruined. After all, your travel could be put back an entire day and you might miss out on some stunning experiences. Effective cover can make sure that you are well prepared for any eventuality, including offering Flight Delay Assistance to get you into airport lounges to make up for your disappointing delays.

If you’re interested in family holiday insurance to reduce the risk of disappointment this summer, take a look at Compare Insurance today to see a range of great insurance options.

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Car Insurance Health Insurance Travel Insurance

Found a better insurance quote? What should you do next?

Whether it’s home, health, medical, travel, or car insurance, it’s important to regularly check the marketplace for quotes. Many people make the mistake of getting locked into insurance premiums because they think getting new quotes is a long and difficult process. It isn’t with a specialist insurance comparison website like Compare Insurance, as you can get a range of quotes in seconds.

But when you’ve got them, what should you do about it?

Let your insurance company know

When you find a better quote, you should tell your insurance company. It’s essential that no matter what kind of insurance policy you’re searching for that you find like for like quotes. If you can find a lower quote from another company to provide the same level of cover you’re currently getting, let your insurance company know about it. They will either try and match that offer, or they will try and offer some other incentives to keep you as a customer of theirs. In the worst-case scenario, they may do nothing, but that means you still have the option of swapping to the cheaper provider or a better health plan. This means it’s a win/win scenario for you, whichever way you look at it.

When should you look for new quotes?

It makes the most sense to start trying to find new insurance quotes towards the end of your insurance coverage period. If you signed a contract for a certain amount of time and at a certain price, there’s not much that can be done about it. When your time for renewal gets closer, however, you should start thinking about finding quotes from other insurance providers. This means you have more leverage when it comes to negotiating a fresh deal with your current provider, and it also makes it easier to transfer to a new insurance provider.

How do you find new insurance quotes?

Finding the best holiday insurance insurance quotes couldn’t be easier. All you need is a specialist comparison tool like you’ll find at Compare Insurance. Just put in your details and the kind of cover you’re looking for, and in seconds you’ll have a range of insurance quotes from many different providers. Get in touch with our team today to learn more.

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Travel Insurance

What you need to know about travel insurance this summer

After months upon months of lockdown restrictions keeping aspiring travellers from jetting off on holidays, it looks like a summer holiday may finally be more of a reality than a pipe-dream. The government is set to announce which countries are on their green list and which ones are no-go zones, allowing you to book your trip.

If you are thinking of booking a summer trip for yourself and your family, adding comprehensive travel insurance is now a necessity. So, what should you look for in an insurance policy if you intent to travel abroad this summer?

COVID-19 cancellation cover

Some insurers are currently offering full cover in the event of a COVID-19 related cancellation. This can include circumstances that require you to self-isolate because of testing positive for the virus or if the country you are due to visit changes its rules.

Most insurance policies now cover you if you test positive for coronavirus while you are away on your holiday, but you should always double-check the terms and conditions to be sure of exactly what they offer. Some policies will cover your medical bills while you are in a foreign country, while others will also repatriate you to the UK in the event that you catch COVID-19.

What else is important in a travel insurance policy?

Aside from COVID-19, there are still many other things that you may need to think about when you are booking your summer holiday. One of the most important points to consider is the level of protection in the case of an illness or injury while you are away. Of course, nobody wants to think about their holiday being spoiled in this way, but it is always better to be safe than sorry and it could save you a significant sum of money.

Additionally, ensure that you have adequate cover in the event of lost luggage or if your belongings are stolen. This will give you peace of mind and reassurance that, no matter what happens, you will not be left out of pocket.

To find the best deals on your policybazaar travel insurance, please visit Compare Insurance.

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Travel Insurance

What are the benefits of travel insurance?

When you’ve booked your flights, hotel and airport transfers, there is one more consideration to keep in mind. Taking out a cruise travel insurance policy before you set off can be extremely important for a variety of reasons. If your holiday is cancelled, if something goes wrong during your trip or if you fall ill when you are abroad, travel insurance can provide you with an essential safety net.

You may not want to think about the things that could go wrong during your holiday, but it is always important to plan ahead. So what are the main benefits of travel insurance and why should you never set off on holiday without it?

Protects against cancelled trips

If an unforeseen event occurs, causing the cancellation of your trip, it can be disastrous to lose hundreds or even thousands of pounds. Cancellation can occur for a variety of reasons, such as an unexpected illness affecting one of the travellers or any other event which prevents you from going. In many cases, your package provider, hotel or airlines may not be able to refund the money. Therefore, having a trusted trip cancellation insurance policy allows you the recourse to recover your funds and not be left out of pocket.

Of course, it is extremely important to check whether or not your policy covers cancellation in the event of certain acts of God, such as earthquakes, wars, hurricanes or tornadoes, as some policies exclude these from the terms.

Protect your belongings

If your luggage goes missing during your travels, you lose a treasured item or you are the victim of a theft, having travel insurance means that you can claim the value of the items that you have lost. This will give you peace of mind and allow you to enjoy a stress-free trip.

A lifeline in the case of illness or injury

Falling ill or having an accident during a foreign holiday is a disconcerting thought. However, when you are covered by an insurance policy, you can rest easy knowing that your medical expenses will be covered. Even repatriation may also be covered, so whatever happens, you will remain financially protected and you won’t be left with vast and unaffordable medical bills.

Find the best travel insurance for your trip today.

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Travel Insurance

Three things that may be increasing the cost of your travel insurance

Despite the benefits of travel insurance, such as cover for medical emergencies, some people don’t invest in it due to its cost. Travelling without cover could end up costing you far more than the price of cruise insurance, should something go wrong. Regardless, here are three things that may be increasing the cost of your travel insurance and what you can do about it:

Unnecessary benefits

In general, the more benefits a travel insurance policy offers, the more it will cost. Factors such as the value of lost goods covered and the amount of cover for medical expenses will impact how expensive a policy is. Obviously, you should ensure the policy you take out offers you the cover you need. However, if you don’t need the highest level of cover, don’t pay extra for it. For example, if the policy offers to cover stolen goods up to a value far higher than the value of your belongings, you could save money by reducing the value the policy covers.

Paying per trip rather than annually

If you travel more than twice a year, you could probably save money by choosing an annual travel insurance plan. These plans cover you for an entire year, regardless of how many trips you take during that time. As well as being more cost-effective, annual plans are a good option for people who frequently travel on short notice and so don’t have much time to organise insurance before leaving.

Pre-existing medical conditions

As travel insurance is partially intended to help you pay for medical emergencies while away, factors such as pre-existing medical conditions can increase the cost of your policy. This is because some medical conditions make it more likely that you will become unwell and need to make a claim. However, this does not mean it is impossible to get travel insurance if you have a pre-existing condition. Using a comparison website, such as ours, is a quick and easy way to see the options available to you.

To check how much you could save on your flight insurance, use our website to compare the policies available and find the best option for you.

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Travel Insurance

Ready for your trip? Three insurance questions to consider before you travel

Before you travel abroad, it is absolutely essential to ensure that everything you need has been packed. However, something that can too often be overlooked is that it is also essential to have one way travel insurance in place prior to travel, as not only does it provide additional peace of mind, but it can potentially save you an incredible amount of money should you find yourself injured. Research has found that an injury abroad can cost as much as £230,000 (1.16 million AED), so the financial impact can be severe.

In order to ensure your travel insurance is as robust as possible and is as comprehensive as you require, it is vital you ask the following three questions:

1. Are previous/current medical conditions covered?

For many people, this is the most important question to ask. Most travel insurance companies will offer very cheap deals, but often such offers will come at the expense of covering pre-existing conditions. Such medical conditions can be small or major, but it makes sense you ensure you are fully covered, even if you feel as though it is unlikely your injury will be exacerbated.

2. Am I covered if I participate in extreme sports?

Some travel insurers are very open about the fact that they will not cover individuals should they actively participate in activities with a high risk factor, so if you plan on going skydiving, make sure you ask this question first to see where you stand.

3. Does my travel insurance give me access to a physician on the phone?

This is a question that is absolutely worth asking, even if it’s not something you’ve previously considered. In some instances, it will be the case that you will not actually require a trip to a hospital if you feel a twinge or a little under the weather. In these cases, it may actually be more beneficial to have a conversation with a doctor or physician. It may well be the case that access to a hotline of some kind is included with your insurance policy, but it is certainly worth asking the question ahead of time.

Have other questions or queries about your policy bazaar travel insurance? Get in touch today and we’ll do our best to provide the answers you need.

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Travel Insurance

The different types of travel insurance, explained

Shopping for overseas travel insurance can often seem like a minefield, with many people deciding they won’t purchase it – either because they don’t think it’s necessary, they’ve never had to use it before, or they think the process is too complicated. Nowadays, with insurance comparison sites and quick application processes, it’s easier and more affordable than ever. There are a few different types of travel insurance policies out there, so make sure you get the right one for you.

Single Trip Travel Insurance

If you’re heading to one destination for a set amount of time, then this is the type of cover you would get. Single trip travel insurance is the most basic of policies and can cover you for a variety of different events, up to a certain level of expense, depending on what you want to be covered.

Annual Multi-Trip Travel Insurance

If you travel on a regular basis, for business or leisure, then it makes the most sense to buy an annual multi-trip policy. It’s more cost-effective and less time consuming than having to buy single trip travel insurance every time you go away. It’ll cover multiple destinations over the course of the year and can either cover European, Worldwide or Worldwide, excluding the USA, Canada and the Caribbean.

Winter Sports Travel Insurance

If you’re going on a skiing holiday or heading somewhere where you’re going to take part in a winter sports activity, then you’ll need winter sports travel insurance. These types of activities are considered riskier than those included in other policies, as there are unique situations you could find yourself in, such as avalanche delays, piste closures or serious injury.

Backpacker Travel Insurance

A backpacker policy covers you if you’re heading away for a longer period of time and jumping around between destinations. It’ll often cover you for a wider range of activities too, such as skiing and white-water rafting.

Family Travel Insurance

A family travel insurance policy covers up to two adults and eight children of the same family, provided the children are under 18 years old. This is a more cost-effective and easier option than buying separate policies, and you can purchase a single or annual trip cover.

Cruise Travel Insurance

Just like winter sports coverage, cruise travel insurance covers you for unique situations you can find yourself in with a cruise holiday. You’ll often be visiting multiple countries for an extended period of time and can experience things such as missed port departures and itinerary changes.

Over 65’s Travel Insurance

Those over the age of 65 are usually more likely to need urgent medical attention while they’re away, so the over 65’s travel insurance policy often covers extra expenses – occasionally allowing a companion to be added to the policy.

Whatever type of visa travel insurance policy you purchase, be sure to declare any pre-existing medical conditions when applying. This will often increase the price of your policy. However, it is a small price to pay for peace of mind and an appropriate level of cover.

To find the best travel insurance for your trip, head to Compare Insurance today.

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Health Insurance Travel Insurance

What does Brexit mean for travel insurance and healthcare in Europe?

The last 12 months have been dominated by COVID-19, and due to the global pandemic stopping people from being able to travel abroad, the ramifications associated with Brexit are yet to be experienced – or indeed acknowledged – by many people.

With the vaccine rollout going well, and with COVID-19 cases going down by the day, it seems likely that holidays will be on the agenda shortly, so what do you need to know? What impact has Brexit had and will it impact your ability to obtain health cover?

The GHIC

At the beginning of January 2021, the Government declared that all UK citizens would be able to apply for a scheme known as the Global Health Insurance Card (GHIC), which was created and subsequently launched as part of the post-Brexit trade deal between the UK and the EU.

Previously, UK citizens were able to access a European Health Insurance Card (EHIC), though this is now being phased out entirely. However, while the cards are somewhat similar, there are certain limitations that you should be aware of. While the EHIC made a point of not only covering the EU but also other European nations such as Norway, Switzerland and Iceland, the GHIC will not cover these non-EU countries (other than the UK).

To apply for a free GHIC card, simply follow this link to the NHS’s dedicated application page.

What the GHIC covers

The GHIC, just like the EHIC, has been designed to ensure those who are travelling abroad have access to care for one-off emergency medical issues, routine care for pregnant women, as well as treatment for any ongoing chronic illnesses.

Venturing further afield

The UK Government is currently in the process of finalising agreements with a host of other European countries that are not covered by the GHIC (Norway, Iceland, Switzerland). These will likely be finalised in the coming weeks, but for the time being, Norway has confirmed that UK passport holders will be able to get emergency health insurance simply by showing their passport. The other countries have not signed off on any such deal.

When it comes to heading outside of Europe, the UK already has agreements in place in principal with a host of countries, including Australia, New Zealand, Serbia, Kosovo and Bosnia. With regard to the remainder of the countries in the world, talks are currently ongoing, and it is expected that some kind of deal will be in place by the summer of 2021.

Take a look at our insurance comparison website today to find a business travel insurance policy that suits your needs.

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Travel Insurance

Tips for finding the best travel insurance deals

If you’re going on holiday abroad, you need travel insurance. Many people put off purchasing travel insurance because they think it is expensive and that they are unlikely to use it. However, travel insurance is an essential part of any foreign holiday – you shouldn’t leave home without it!

To help you find some better deals, here are some of our tips on getting cheap travel insurance.

Use comparison websites

Comparison websites, like our own, will help you find the best deals out there. You’ll be able to compare different deals and find the most suitable company for you.

Decide on the cover that you need before looking

Make sure that you write down exactly what you want your insurance to cover and look at all of these aspects in detail. For example, cover for an electronic item might have a big excess, so it may not actually cover your phone. If you have a really good idea of what cover you will need, it will make looking at our price comparison website much easier!

Think about eliminating some activities

You may be tempted to purchase cover for certain ‘risky’ activities. These could include SCUBA diving, skydiving, or mountain biking. Carefully look at what sports are included in this insurance bracket, and think about if you will really be doing them. If the answer is probably not, then you could eliminate them from your insurance package and get a cheaper deal. However, if you are not covered for them, this means that you will not get any medical help if you change your mind and decide to do any adventure sports.

Consider what you are already insured for

Your valuables may already be insured under home or contents insurance, or the home and contents insurance of someone that you live with. Make sure that you have a good understanding of what is already covered before you decide to buy.

If you are savvy and only insure what you need, you will be able to get a much cheaper seniors travel insurance! If you’re going on holiday, you need insurance, but it doesn’t have to cost a fortune.

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