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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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Travel Insurance

What are the most common travel insurance claims?

Travel insurance is an essential pre-trip investment for any traveller. Travel insurance can help you pay for unexpected things that happen that would otherwise leave you largely out of pocket. But what are the most common travel insurance claims? Let’s take a look in this article!

The most common claims are for the following:

1) Flight delays

2) Cancellations of flights or accommodation

3) Medical costs

4) Lost or stolen baggage

A whopping 93% of travel insurance claims are for one of the above. Let’s explore in a little more detail…

Trip cancellation and delays

The most common reason for claiming on aib travel insurance tends to be trip cancellation or abandonment, with around 40% of claims being related to this.

Trip cancellation could come from the customer’s end or the supplier’s end – for example, if an airline goes bankrupt, they would subsequently cancel their customers’ trips.

However, trip abandonment could refer to when someone is unable to make a trip. This could be for a variety of reasons, including personal illness or illness of a relative, bereavement, moving jobs, or personal financial issues.

Illness or injury

Illness is the next most common claim, and many people consider this to be the most important thing to be insured for. This is because falling ill overseas, or having a bad injury, can result in bills of up to a million Dirhams or more.

And claiming for illness and injury is fairly common, although generally medical bills are less expensive. Still, having travel insurance for medical reasons is essential for peace of mind.

Lost or stolen baggage

Lost or stolen baggage is another common travel insurance claim. These are sometimes contested, especially if the baggage was not reported missing in time or left unattended.

There is also usually an excess, and some people find that the contents of their baggage are worth less than the excess, therefore they may not bother claiming.

There are many other things that you can claim on insurance for, but these are the main ones. As discussed, it’s important to have travel insurance not just so your holiday is covered if you need to cancel or if your airline or accommodation cancels, but so you are covered if you get ill overseas. Click here to find the right schengen visa insurance for you.

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Travel Insurance

Travel checklist: things to do before going on a trip

Are you planning a trip abroad at some point in the future? We bet that you’ll want a holiday somewhere soon! If that’s the case, make sure that you refer to this travel checklist for some useful tips of things to remember.

Pack appropriately for the destination

Of course, everyone packs their case before a trip, but try to do some research into the destination that you’re visiting and make sure that your case is full of appropriate attire and gear for the destination! For example, if you are going trekking in the jungle, you will want to make sure that you have mosquito spray. or if you’re going backpacking get backpacker travel insurance But if you are visiting the UK, you should pack an umbrella!

Pay all bills that you need to before going away

Nobody wants to have to negotiate an unpaid bill while on holiday. Ensure that any outstanding bills are already paid before you get on the plane and try to pay some in advance if possible. Make a detailed list of when your electricity, gas, water and internet bills are due, so you don’t forget any.

Turn all plugs in your house off

Make sure that you turn off anything that you can before going on holidays, such as plugs and lights. You will obviously need to keep some things, like your refrigerator, plugged in, but everything else should be turned off completely and not just left on standby. This will help you save some money on your insurance policy.

Keep updated with current affairs at your destination

This has become more important since COVID began, but it’s always a good idea to keep updated with current affairs before travelling somewhere because they can affect your entry requirements. In the lead up to your trip, check for any incidents of note or any border changes. If you do see anything worrying, contact your airline.

Make sure that you have insurance

Every time you go travelling abroad, you should have travel insurance. You can compare travel insurance plans and find the best one for you here.

If you’re looking for a travel insurance policy that works for you, get in touch with our team at Compare Insurance today.

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Travel Insurance

Is it safe to travel abroad during the Covid-19 pandemic?

We’ve been living with Covid for over a year now. Life as we know it has changed a lot, and many of us are wondering if we could sneak away for a holiday. Here are some things to consider if you’re thinking about travelling abroad during Covid-19.

Testing and quarantining is important

Most countries require you to take a test and quarantine before entering. This is really important – you need to make sure that you aren’t bringing any new strains of the virus into another country, or infecting people that you see on the way. If you do decide to travel, make sure that you take at least two tests and quarantine when you arrive.

Be aware of travel restrictions

Travel restrictions could change at any minute, and your travel insurance may not cover them. For example, travellers from the UAE must now quarantine for two weeks in UK hotels at their own cost. If you travel during the pandemic, you should be prepared to face random quarantines and extra costs which you may not get refunded for, especially flight cancellation insurance.

Know the risks of you catching Covid

Covid does disproportionately affect the old and people with underlying conditions. However, people who are young and fit have still become gravely ill due to this virus. If you can’t afford to pay for potential hospitalisation abroad, make sure that you find a travel insurance provider who has Covid cover (there aren’t many of them, but you can use our schengen insurance tool to look for them). If you aren’t insured and can’t afford to pay out of pocket, then you shouldn’t be thinking about travelling.

Plan your destination wisely

Some countries are in a bad situation due to the Covid pandemic, so tourism is the last thing on their mind, while other countries are concerned about the loss of tourism as an income source. If you must travel, choose a country that is dealing with the pandemic well, and that wants to welcome tourists back.

Use PPE

It goes without saying that, if you travel, you should wear a mask at all times in public places and keep your hands sanitised.

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Car Insurance Health Insurance Travel Insurance

Do I need insurance for domestic travel?

Are you going on holiday in the UAE? If you’re not leaving the country, you may be tempted to skip travel insurance. However, you should still make sure that you are covered for other eventualities. Here’s why you need domestic travel insurance.

Your health insurance will cover health issues

If you fall ill abroad, you need travel insurance to access healthcare. This isn’t the case if you’re staying within the UAE as long as you have adequate UAE medical insurance policy (if you don’t, be sure to check out our health insurance comparison tool and purchase insurance – it’s essential that you have it!).

You may need insurance for stolen luggage

There are virtually zero domestic flights in the UAE (and the few that do exist are very expensive!), so if you are travelling by bus, it may be prudent to take out insurance that covers your possessions. You may also want to cover your possessions for theft from your hotel room. However, this doesn’t necessarily mean that you need a travel insurance policy – you could take out separate contents insurance for your luggage.

Don’t forget car insurance

Most people travel around the UAE by car. Whether you are using your own car or a hired vehicle, make sure that you have comprehensive car insurance to cover any breakdowns or accidents.

Travel insurance may cover delays or cancellations

Travel insurance may be useful if you experience any bus delays or cancellations, or any issues with your hotel. However, bus journeys are generally too cheap to warrant taking out insurance for, and hotels normally have their own kind of insurance policies in place. While travel insurance when venturing abroad is always a good idea, in the UAE you may be able to get away with separate insurance policies.

You will likely already have health insurance and car insurance (if you are driving your own vehicle), so you could pay separately to have your luggage insured and make sure that everything is secure at your hotel. This will probably help you save money rather than taking out a comprehensive travel insurance policy.

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