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Travel Insurance

How to keep valuables safe when travelling

If you’re venturing on holiday, whether that is abroad or within the UAE, you are going to want to find some ways to keep your valuables safe. If you are travelling with a smartphone, an expensive camera, or any other electronics, it is of paramount importance to keep these safe. Not just because of the monetary aspect, but to ensure you can still reach help if you need and to reduce having to claim on your international travel insurance.

Here are some ways to keep your valuables safe while travelling:

Use a money belt

For some smaller valuables, you can use a money belt to keep your valuables close to your person. Simply zip up cards, cash, your passport and even your phone in your money belt and keep it under your clothes. This deters thieves and means that they won’t slip out of your pocket. The only downside with money belts is that you usually can’t access them once they are on.

Lock your stuff away

Be sure to take a padlock with you, and lock everything away. If you are staying in a hostel, they should provide lockers, or if you are in your hotel room you could lock things in your suitcase. Similarly, if you are carrying around valuables, a discreet lock can stop pickpockets getting into your bag. Don’t make it look like you’ve got a lot to hide though!

Choose reputable hotels

Hotels with good reviews, lots of security, and modern locks are much less likely to have thefts than run-down hotels with easily breakable windows. Spend a little extra time doing hotel research to ensure that you find one that you feel comfortable in.

Invest in the right travel insurance

Having comprehensive travel insurance can be a game-changer. If you spend a little more money to cover your valuables, you will be much less anxious about them – and subsequently, you’ll enjoy your time abroad a lot more! It can cost extra to cover any additional items, so make sure that you read the terms and conditions carefully before buying, but it is definitely a worthwhile investment in unforeseen circumstances.

If you stick to these tips for keeping your valuables safe when travelling, it’s much more likely that you’ll have a hassle-free trip!

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Travel Insurance

3 ways having travel insurance can save you money

When planning a holiday, cheap travel insurance is one of the things people may consider leaving out. It is easy to consider it a cost you don’t need, but it can be seriously costly to assume you won’t need insurance. Here are just three important ways that having travel insurance can save you money.

1. Cover for medical care

Perhaps the most important reason is cover for medical care. Being ill on holiday can cause a real damper, made worse by not being able to afford the treatment you need. Illness and injury are things you cannot predict, and no matter how confident you are that it won’t happen to you, it easily could. Medical care costs vary in different countries, but one thing that’s true for them all is that it can be extremely costly. These costs could eat into your spending money, or even send you home in debt. You should also consider you may need to cut the holiday short and head home, depending on the severity of your condition.

2. Replacing lost items

Losing items happens all the time. Whether you leave a bag on a bus, a holdall in a hotel room or a camera in a cafe, you could end up losing valuable items. It could even be that an item is damaged or lost by your airline or travel provider. Whatever happens, these can be costly to replace, whereas travel insurance can save you by helping replace those items.

3. Rebooking cancelled trips

There are a number of reasons trips can be cancelled. For you, it might be illness or an unexpected occurrence. It could be that the holiday provider has gone under or that extreme weather conditions have made it impossible. Either way, you do not want to lose out on all the money you paid for the trip. Having travel insurance could help cover these costs, ensure you get your money back or fund a re-booking.

If you are planning a trip and need travel insurance just visit Compare Insurance today. We can help you find the best travel insurance deal, another way to save you money on your holiday.

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Travel Insurance

Should I get travel insurance?

When you are travelling abroad, getting insurance is vital. Travel insurance online covers anything that could go wrong while you’re away. The exact inclusions depend on your policy, but they can accommodate lost luggage, health emergencies, and flight cancellations.

If you’ve been on plenty of holidays and nothing has gone wrong, you might be wondering ‘do I need travel insurance?’. The answer is yes – and we’ll explain why in this article.

If you travel a lot, you’ll need it at some point

Although travel insurance can be expensive, something is bound to happen on a trip at least once in your life. If you have travel insurance, getting everything sorted will be much less of a headache! And you might even make all the money that you spent on insurance back once you submit a claim.

Travel insurance is not the same as health insurance

Even if you have health insurance in the UAE, travel insurance is a necessity if you are going abroad. Your UAE health insurance will only cover you when you’re in the country, so when you are abroad, it’s important that you have a separate policy in the event of a health emergency.

Travel credit card protection should be questioned

Some credit cards do offer a level of protection, that’s true. However, this protection is limited. Some will only cover costs if you booked your trip with that card, and the coverage is generally very low. While credit card coverage is a good backup, it’s not something that you should rely on solely.

Travel insurance covers some things that you may not have even considered

Travel insurance covers many things that you may not have even thought about. If you need to cut your trip short, your travel insurance policy may be able to compensate you for the money that you’ve spent on returning home. If you’ve missed your flight, you might be able to get some money back for this as well.

And that’s without mentioning the medical emergencies it can cover. On rare occasions, people are airlifted and taken to other cities with better medical facilities. If you have insurance, you’ll be covered if this happens to you – if you don’t, you’ll be paying it back out of your own pocket!

All in all, it’s essential that you get travel insurance, even if you’re only going away for a few days.

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Travel Insurance

When do I need extreme sports travel insurance?

Harnessing the thrill of extreme sports and matching it with the joy of travel is a great way to spend a holiday and having the right travel insurance means you can enjoy your high octane adventures without too many worries.

What is extreme sports travel insurance?

Each insurance provider will have their own set of definitions and it’s important to check your policy meets your needs. There will be some common ground, so we’ve put together a quick round-up of what extreme sports travel insurance might cover.

High adrenaline activities

These are the things that spring to mind when you think of extreme sports and might include

• bungee jumping
• rock climbing
• white water rafting
• hang gliding
• sky diving

Other less obvious activities might also be considered extreme by your travel insurance company

• tubing
• banana boat ride
• swimming with dolphins
• horse riding

What may seem every day to you could be considered high risk by your insurer, so if you think you may do these kinds of activity it’s important to check you’re covered.

Other sports have dedicated policies, things like golf, water sports and winter sports need cover that allows for damage to essential kit, as well as increased risk of personal injury.

What sort of thing are covered by extreme sports travel insurance?

Again, this will vary according to your provider, but you’ll generally find the following inclusions

• Medical expenses – costs of treatment, hospital stays and ambulance fees
• Repatriation – to get you home in the case of medical necessity, or if you’ve missed your flight because of your treatment
• Personal injury – if you are left permanently disabled a lump sum may be payable
• Personal liability – to cover compensation costs if you damage property by accident or injure somebody by accident

I’m the spontaneous type – what should I do if I decide to do something extreme while I’m away?

If you’re not sure what activities you’ll be doing it’s a good idea to have your full policy document with you so you can check what is or isn’t included. If your chosen adrenaline fix isn’t on the list, a quick call to your insurer should get you covered, so you can amend your travel insurance and enjoy your thrills with complete peace of mind.

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Travel Insurance

A simple guide to travel insurance policies

The variation in travel medical insurance can be as complex as deciding where to go on holiday. Be incredibly wary of policies that appear surprisingly cheap and make sure you fully understand what you are paying for! A cheap policy generally means poor levels of cover and high excesses. There are good deals out there, they just require a little more time and diligence to find. The following guide aims to make this a little easier for you.

Are you an avid traveller?

If so, it doesn’t make logical sense to take out a new policy every time you make a trip abroad, so look into multi-trip policies. These will cover all the trips you may make in a calendar year. If you tend to holiday more than the average person/family, it would be foolish to look past the various multi-trip options. Bear in mind, however, that these policies often include limits regarding the length of each trip.

Read the exclusions!

If you’re not a fan of reading more than you have to and normally skip the small print, you may want to revise this. Travel insurance policies all include a list of sporting activities or pursuits that are automatically covered, but lookout for the one’s that aren’t! This isn’t necessarily ad-hoc and is a common staple of many travel policies. However, some have exclusions for relatively ordinary activities such as hiking. This is where you could get caught out, so read the policy properly.

Protection against airlines and operators

Providing coverage in case an airline or holiday operator ceases to trade is not something that many people think about, but that doesn’t stop it happening and leaving travellers out of pocket. This is often not included in your average travel policy, so again, make sure you analyse your potential policies correctly.

There are many more methods for making sure you take out the most appropriate policy, so do your research, tailor your coverage, and make sure you don’t get caught out if something goes wrong!

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Health Insurance Travel Insurance

3 travel insurance myths busted about pre-existing health conditions

A lot of people are confused about just what medical conditions and which part of their medical history they have to declare when taking out a travel insurance quote. There is a misconception that only medical conditions a person is currently taking medication for need to be declared at the point of signing up for travel insurance, but this is not true. In this article, we bust some of the myths surrounding travel insurance applications and your medical history.

Myth 1: If I declare any pre-existing health conditions it will make my travel insurance more expensive.

Although this is partly true, declaring current health conditions you are suffering from doesn’t always mean a massive hike in your travel insurance bill. It all depends on what type of illness you have, and if it is likely to require emergency treatment in the near future. This is due to the fact that the insurance company will need to make sure you are fully covered for a medical emergency, and if you do fall ill whilst abroad then won’t have to worry about paying large medical bills.

Myth 2: There’s no need to declare a condition I have recovered from

A lot of people are unaware that it is important to declare any health problems in their past even if they have fully recovered from them. Just because you are healthy now, doesn’t mean that your previous illness could not return or affect other parts of your body at a later date.

Myth 3: I don’t need to declare a one-off medical episode

Yes, you do, if that condition has been confirmed as a medical condition, even if it isn’t causing any ongoing health concerns, it is always better to be truthful in case it flares up again. Otherwise, you could be left with large medical bills should you fall ill whilst travelling and it is connected to your previous one-off medical episode.

Summary

These are the three most popular myths surrounding declaring your medical history when applying for travel insurance, and hopefully this article has made things clearer with regards to what you need to declare to avoid problems further down the line.

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Travel Insurance

Why adding activity cover to your travel insurance policy makes sense

When it comes to annual travel insurance, it can be tailored to cover many additional things such as extra cover for skiing trips or for going on a cruise for example. However, what about those activities that are more extreme, can they be covered too? Extreme sports and other riskier activities are becoming more popular than ever before, such as parasailing or bungee jumping, and for these types of activities you will need to get an activity pack added to your policy. These types of add-ons are ideal if you need to cover dangerous or hazardous activities that you may want to take part in whilst on vacation.

What type of activities can be covered?

Almost all dangerous or potentially hazardous activities can be covered by the addition of extra insurance cover. Activities such as abseiling, adventure racing, hot-air ballooning, climbing, hiking, dog sledding, hang gliding, caving, sailing, mountain biking and parachuting are just some that can be covered but there are hundreds more.

Make sure you get the right coverage

Although these activity packs are a useful addition to your travel insurance policy, not every insurance policy has them, so you should check the wording on your chosen policy before you sign up for it. In addition to which, some travel insurance policies have different packs for different activities, so you will need to double check everything is in order before you sign.

Make sure you’re honest with regards to medical conditions

Due to some medical conditions preventing you from being able to take part in certain high-risk activities, you may also find they will preclude you from adding the extra insurance cover to your policy. So, if you were to go ahead and take part in a dangerous activity in spite of your medical condition, and something went wrong, then you may not have enough insurance to cover your medical bills.

The bottom line

Dangerous sports and other hazardous activities can make for a great vacation, but it is doubly important you have the right level of travel insurance before you leave home, otherwise you could find that your holiday of a lifetime becomes the stuff of nightmares.

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Travel Insurance

4 common travel insurance mistakes to avoid

You’ve purchased your tickets, checked that your visa and passport documentation is valid, purchased your holiday money and you’re all set to go. Well not quite, in the rush to get everything done prior to your trip it is easy to forget about travel insurance. In this article, we will take a look at some of the common errors travellers make when it comes to travel health insurance.

1. Forgoing vaccinations

If you are travelling to a country where diseases such as typhoid, yellow fever or malaria are commonplace, you will need to make sure you are vaccinated. Failure to do so will not only have the potential to make you seriously ill, but you’ll end up footing the bill for all the medical treatment you receive.

2. Failing to declare pre-existing medical conditions

Your travel insurance will not pay out should you fall ill due to a pre-existing medical condition if you have not declared it when taking out your policy. Not only will you then be liable for costs of medical treatment whilst abroad, but you will also have to foot the bill for any flights or changes to your travel plans that come as a result of your enforced rest.

3. Buying travel insurance just before you travel

Because travel insurance covers more than just falling ill when you are away, you need to sign up to a travel insurance policy as soon as you know you will be leaving the country. Airline strike disruption, flights cancelled due to adverse weather or cancelling your travel plans due to personal reasons can all be covered by a good travel insurance policy.

4. Don’t rely on free insurance policies

Many credit card companies and banks offer travel insurance perks, but you’ll need to read the small print carefully, as these policies typically cover emergencies only, and you will need a more comprehensive policy for peace of mind.

Summary

A travel insurance policy should give you peace of mind in the event of something unexpected happening, be it a medical emergency or flight cancellation, baggage loss etc, but always double-check your any travel insurance policy offers the best coverage before you buy.

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Car Insurance Health Insurance Travel Insurance

Is it difficult to compare insurance quotes online?

No matter what kind of insurance you’re looking for, whether it’s travel, health, home, or car insurance, you have the best chance of finding the right deal for you when you compare online. Comparing different insurance quotes online is the sure way to ensure you get the best possible quote – but is it difficult to do?

The simple answer is no, anyone can do it!

How do you compare quotes online?

There are two main ways you can compare travel insurance from different insurance companies online. The first is to make a list of insurance companies and make your application to each of them. When you get your quote back, you can compile those quotes in a list and see which is the best one for you. The trouble with this is that it’s time-consuming and laborious.

The second way is by using a dedicated insurance comparison site. There you make one simple application, no matter what kind of cover you’re looking for, be it home insurance, car, travel, health, etc, and the comparison tool does the hard work. It passes your application on to multiple insurance partners, who will then provide you with a quote. The quotes are automatically compiled in a list for you, and in many cases, you can have multiple quotes to choose from in as little as a few minutes.

How do comparison websites work?

Comparison websites partner with multiple insurance providers. When a customer makes an application through the comparison site, it passes it straight to those insurance providers. Generally, a comparison website will make its own money either through advertising or through fees for its service, either directly to customers or to the insurance providers. Either way, it offers a much faster and more convenient way to find a variety of insurance quotes in as little as a few minutes.

If you want to find your next insurance quote online, be sure to use a comparison site that you can trust in order to get the very best quotes possible. Whether it’s home insurance, car, travel, or health cover you need, you can rely on Compare Insurance for the quote.

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Travel Insurance

5 ways to get cheaper travel insurance

After spending your hard-earned wages on a lovely holiday, it is understandable that you want to get the best deal on the best travel insurance.

Just by making sure that you are insured for your trip may save you money. Unforeseen cancellations, costly medical bills and losing your luggage – each of these things could cost you dearly if you are uninsured.

Here are 5 other quick tips on saving money.

Compare the market

Don’t just go with the travel insurance offered by your chosen travel agent. Make sure that you have thoroughly researched the market for the best deal. The easiest way to do this is with an online insurance comparison site, such as Compare Insurance.

Only pay for what you need

Insurance policy documents are often lengthy and can be tricky to read. However, take the time to go through the document carefully and make sure that you are not paying for something that you don’t need. Removing extras like winter sports add-ons, for example, can help reduce your premium.

Increase the excess

This option has pros and cons. Paying an ‘excess’ refers to the amount of money you will have to pay towards any claim that you make on your travel insurance. The amount varies, and the more money that you are prepared to pay towards your claim, usually the lower your overall travel insurance premium.

Think carefully though before you go for this option. If you do need to claim on your travel insurance, have you got the money readily available?

Is this your only trip?

Although an annual travel insurance package works out more expensive than a single trip premium, it could work out cheaper if you are planning any other trips in the coming 12 months. Paying for several single cover travel insurance premiums will work out more expensive in the long run.

Avoid countries with expensive healthcare

The United States, Mexico, Canada and the Caribbean all have expensive healthcare. This will be reflected in the high cost of your premium. If you really want to keep the cost of your travel insurance low, avoid these destinations.

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