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Travel Insurance

What are the 3 tiers of travel insurance?

There are generally 3 tiers of travel insurance available, which is loosely related to the cost of healthcare in your chosen destination.

Europe

Generally, a regular holiday to Europe offers cheap travel insurance although most European countries are included in a typical travel insurance package, it is worth discussing with your broker (or checking online information) which European holiday destinations are included.

Some insurers do not include a handful of European countries in their regular cover, countries such as Cyprus, Greece, and Switzerland. Although this is not always the case, it’s worth checking in case you need to upgrade your insurance.

Worldwide, excluding certain countries

The next best value in terms of travel insurance premiums is the worldwide cover, excluding USA, Canada, Caribbean and Mexico. Healthcare in these exempt countries is typically much more expensive compared to other countries. Excluding these countries allows for a decrease in the premium.

Worldwide

This is the most expensive travel insurance and covers the whole globe (usually excluding certain countries experiencing war and other instabilities). If you are travelling to the United States, Canada, Caribbean and Mexico for example, this is the cover you will need to pay for, even if you don’t intend on travelling to any other country.

Excluded countries

Despite its name, the ‘worldwide’ cover does not in fact always cover you for the whole world. There are certain countries that you cannot obtain mainstream travel insurance for, largely because they are deemed too unstable, dangerous, or are currently in a state of war or political upheaval.

However, different travel insurers may have different policies, so it is always worth shopping around for the best deal to suit you.

The countries that are excluded from worldwide cover are generally countries that have been listed by your government’s foreign office as advising against all travel (or against all but essential travel). Again, there may be insurers out there who will give you travel insurance cover, but with exemptions on what you can claim for.

For the best deals on travel insurance, it is always worth comparing all the different companies.

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Travel Insurance

3 holidays that make travel insurance more expensive

When looking to go on holiday, travel insurance is a must. Being insured for the unforeseen is essential for a stress-free trip. There are many levels of insurance that are available, depending on what kind of trip you have planned. If you are going on a standard beach holiday, for example, most holiday insurance will cover you for the basics. However, there are some types of activity holidays that can increase your insurance premium. This is largely due to the increased risk of you needing to claim on your insurance. These are known as ‘optional’ or ‘add-on’ costs and they allow for more comprehensive and specific cover.

Here are the top 3 holidays that will increase your insurance costs.

Winter sports

Comprehensive medical insurance is essential for a ski or snowboard holiday. Broken legs or fractured bones can ruin a trip, but you don’t want to be burdened with spiralling hospital costs as well. Alongside medical cover, an extra travel insurance add-on will ensure you’re covered for such eventualities as piste closures, lost lift passes, and associated ski equipment hire, amongst other things.

Golfing holiday

Alongside winter sports, a golf holiday needs a special mention on your travel insurance. If your equipment and clubs are stolen, lost or damaged, or if you don’t make it onto the course, you will be compensated for the costs you incur. Replacement golf equipment hire and the reimbursement of green fees comes as standard too.

Going on a cruise

This additional cost to your insurance premium is a must if you are going on a cruise. Loss of valuables and baggage will often only be covered with this add-on premium. This insurance is very specific and can even cover you if you are unexpectedly confined to your cabin.

One way to off-set these add-on costs could be to increase your excess, which is a term used to describe the money you pay before your insurance pays the remainder of the cost. Be sure to compare all the different travel insurances out there to get the best possible price.

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Car Insurance Travel Insurance

How to plan a self-driving holiday

If you have always dreamed of driving around different countries on a self-driving holiday, whether independently or with family and friends, it is important you carefully plan for your trip. In this blog post, we outline the top things you must consider and arrange before hitting the road.

1. Buy a reliable vehicle

Instead of renting a car or van, which you are unfamiliar with, you should choose to complete your self-driving holiday in a vehicle you own and are familiar with. This will ensure you do not experience any unexpected breakdowns and you are familiar with the driving limits of your car.

2. Find the right car insurance

If you choose to drive your car around the UAE or in a new country, it is essential you have comprehensive car insurance. Compare different car insurance policies and select a policy that offers you cover when in a different country. Insurance quotes online will ensure that should you get into an accident or breakdown, your holiday won’t be ruined by an extortionate fee.

3. Plan your route

While it may be tempting to hit the open road and see where it takes you, it is advisable to plan your route beforehand. This will ensure you can research any local rules and regulations and make sure you have the proper documentation to cross certain borders.

4. Revise your travel insurance

Ensure your travel insurance is updated before you hit the road. Even if you do not plan to leave the UAE, you may still require travel insurance. Selecting a comprehensive travel insurance policy before you begin your holiday will also ensure that should you decide to expand your holiday, or travel further afield than planned, you will be covered.

5. Create a budget

To ensure you do not blow all of your holiday budget in one destination, allocate a small budget for each place you plan to visit and try to stick to it. Remember, your biggest expense will most likely be fuel so this should be prioritised over other expenses.

Visit Compare Insurance

To ensure you get the best travel insurance and car insurance for your self-driving holiday, visit Compare Insurance today.

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Travel Insurance

Why do you need travel insurance?

When going away on a trip, no matter how long or short, purchasing covid travel insurance is always advisable. While visiting a different country is a very exciting experience, a sensible traveller should always be prepared for the worst-case scenario. By taking out travel insurance, you can be confident that you will be financially protected no matter what happens on your leisure or business trip. To learn more about why travel insurance is so important, continue reading.

Combat coronavirus

Having travel insurance during the current coronavirus pandemic is more important than ever. Many countries have travel restrictions in place that limit who can and cannot enter the country. If you have a trip aboard planned, make sure to take out travel insurance as soon as possible, and look for a policy that covers coronavirus. Getting the insurance now means that if your trip is cancelled because of the virus, you may be reimbursed. Plus, if you do catch the virus or any other illness while you are away, your medical bills will be covered.

What else does it cover?

As well as paying for medical expenses, travel insurance can cover you for any other issues that might occur. This includes any lost or stolen baggage, lengthy delays, emergency assistance and personal liability. Most insurance policies have optional extras that you can choose to add on if necessary. For example, if you are going on a sporting vacation, you may need to take out further insurance to cover you if any accidents happen.

How do I apply?

The first step to getting travel insurance is using a comparison website. Fill in the questions in detail, making sure to include any pre-existing conditions you may have, as well as the length of your trip and your age. From there, the website will inform you of the cheapest deal that will protect you while you travel.

To find the best travel insurance deal for you, you need to compare insurance quotes. This is where Compare Insurance can help. We provide insurance quotes online with our simple comparison tool and can help you save money. To get started, use our online comparison tool today.

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Travel Insurance

Need last minute travel insurance? Use a comparison tool to find the right deal

Travelling requires a lot of planning, and in the midst of ensuring that you have the right dates booked, your accommodation arranged, and your itinerary locked in, it can be easy to forget things. One such thing you might forget, which you really don’t want to, is all-important travel insurance.

If you’ve left it to the last minute and still don’t have your travel insurance arranged, don’t worry – you can use an online comparison tool to find the best travel insurance to get for your budget.

Finding travel insurance the easy way

If you’re all packed and ready to go on your trip and need to find travel insurance at short notice, the best way to do it is by going online and using a comparison tool. You can get a range of both domestic and international travel insurance quotes delivered to you in just a few minutes, for easy comparison.

All you need to do is input some personal details and details of the journey you’re going to make, along with deciding the level of cover that you want to invest in. With that, the comparison tool will do the rest of the work for you, providing you a range of deals and options for you to compare and contrast.

When you have found the right deal for you, the application takes mere minutes.

The benefits of using online quotes

Arranging your insurance online means that the time and effort is taken out of finding the right deal for you. If you’re browsing for last minute travel insurance, you can be confident that your insurance plan will actually start on the day you want it to. This is the benefit of online insurance.

Your quote can be delivered online, and your application can often be made online too. Once it’s processed, you know that you’re going to properly covered by the time you leave your home.

If you’re going on a holiday or a trip, whether it’s domestic or international, it’s never too late to arrange your last minute travel cover by using an online comparison tool like Compare Insurance.

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Travel Insurance

Where can you buy travel insurance?

Travel insurance is a necessity if you want to have complete peace of mind on your travels – you never know what might happen, and it’s nice to know you have the insurance coverage to rely on if you need it. But where do you find it? We all want cheap travel insurance, but where can you actually get it?

Offline

One answer to the question “where can I buy travel insurance” is at a travel agent, if you have arranged your travels through them they will likely have an option to add insurance to your package. Or if you research some insurance companies, you can contact them directly via the telephone to get yourself a quote and arrange your coverage.

Online

Most insurance companies have an online presence, and you can request a quote online. Or you can use a travel insurance price comparison tool to get a range of quotes and pick and choose which suit you. It’s done very easily, by simply inputting your details and letting the comparison tool retrieve quotes from insurers based on the criteria and coverage you want.

Which is best?

There’s no right or wrong answer as to whether finding travel insurance online or offline is best. The truth is, however, that if you value convenience and saving money that finding it online is likely your best bet.

Online services are generally cheaper because they don’t incur the same admin or personnel costs as offline options do. Much of the process is automated, which is why it’s also so much quicker and efficient. Similarly, you won’t have to manually compare quotes, or just stick with one quote you’re given, you can easily compare and contrast to find the cheapest deal. If you’re willing to shop around you can save a lot of money on your travel insurance plan.

In conclusion

There are a variety of offline and online ways of arranging travel insurance – but if you want to make sure that you’re getting the best deal possible, use an online comparison tool like Compare Insurance to find yourself the cheapest possible deal.

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Travel Insurance

Why should you use a travel insurance comparison tool?

If you’re planning on taking a trip, whether it’s a relatively short journey or a jaunt around the world, it’s essential that you consider buying trip travel insurance. Using a comparison tool is the best way to find the right deal for you, within your budget and without eating into your precious time.

Saving time and effort

When you’re planning a trip you have a lot to focus on. You need to think about your transport, your accommodation, your itinerary, and much more besides. Thinking about your travel insurance is an added stress – so you want to make sure you’re able to search available deals in the most convenient way possible.

A comparison tool allows you to do just that. You input your details once, and then the engine generates quotes from the relevant insurance providers. You then filter the offers based on your preference, before choosing the agent you want to deal with. You don’t have to think about inputting your details over and over again on numerous different websites, you put your details in just one time and let the comparison tool do the work.

Options within your budget

It’s essential to find cheap travel insurance if you want to have a comfortable and safe journey. But to get cheap travel insurance you have to know where to look. If you choose to search the old fashioned way, you might find that you don’t get the best possible deals. If you use a comparison tool, on the other hand, you can see all of the offers that come back to you in one place – making it easy for you to see which is the best deal.

You’ll be able to get quotes based on the level of cover you really need depending on the place you intend to visit, and your available budget. Travel insurance might seem like an extra expense during an already expensive time, but the reality of it is that if you happen to need it, you’ll be glad you made that investment.

Use a comparison tool to find the best deals on cheap travel insurance today.

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Travel Insurance

Can I buy travel insurance during COVID-19?

These are uncertain times for travellers, and with travel being affected by the ongoing worldwide pandemic, many people are wondering if it’s still possible to buy travel insurance during COVID-19.

Some people still have to travel, be it for business or for essential reasons, while many more people will be eyeing up those summer holiday deals for when the lockdown loosens up and travel becomes acceptable again. In this article, we take a look at whether you can buy holiday insurance during the coronavirus crisis.

Can I buy travel insurance?

Travel insurance, trip insurance, and holiday insurance are all still for sale, even if you aren’t doing much travelling at the moment.

You can still buy insurance, but you need to check carefully what it covers. You will definitely be covered for all the usual elements, be it lost luggage or stolen passports, but COVID-19 has changed the way travel insurance deals with evacuations and with the medical side of things.

Am I covered for COVID-19?

Currently, most travel insurance providers will not cover you for COVID-19, especially if your policy has been taken out since the worldwide pandemic was declared.

For most then, this means that by travelling in the current climate, you probably won’t be covered if you contract coronavirus while you are abroad or on holiday. This might change in the future as insurance companies adapt to the new normal.

The future of travel insurance

The travel industry will undoubtedly be changed forever by COVID-19. There will be fewer flights, fewer routes, and different measures in place when you arrive and depart at the airport.

Just as the industry changes, so too will holiday insurance. Travel insurance providers will need to make sure that they can cover emergency evacuations in the case of future pandemics, otherwise, buyers might not want to purchase their insurance with them.

They will also need to be able to cover health insurance while abroad if a person contracts coronavirus. If there is a vaccine, travellers might need this to be covered by their insurance too.

Compare Insurance offers you the best deals for holiday insurance in the UAE. Offering the best travel insurance options on the market, you know that you’re getting your money’s worth every time you go abroad!

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Travel Insurance

Top 4 factors that impact travel insurance

If you are planning a vacation, you may be uncertain exactly how much travel insurance you need and why different travel insurance rates vary. Below we list the top 4 factors that influence the price of travel insurance.

1. Where you are travelling to

One of the main factors that influence the price of your travel insurance is where you are travelling to. If you are taking an international trip, your travel insurance will be much higher than a domestic trip. If you are travelling within the UAE, but would still like insurance cover to ensure you have protection against lost baggage etc, your travel insurance will be significantly lower.

2. How long your trip will be

It makes sense that logically, the longer your trip is, the greater chance you have of falling ill or experiencing a problem. For this reason, your insurance will be more expensive. It is essential, however, that even if you are only planning a short trip, e.g. a weekend away, you still seek the right insurance cover.

3. Pre-existing health conditions

A pre-existing health condition is a physical injury or illness a traveller is aware of before taking their trip. It is thought by insurance providers that individuals with pre-existing health conditions will be more likely to make an insurance claim whilst travelling, and for this reason, their travel insurance premiums are usually higher.

4. The age of the traveller

Travellers who are in their 60s or older are often considered greater risks for travel insurance providers. For this reason, travellers aged 60 or over are often given slightly higher insurance premiums, while travellers aged 75 and over will see a significant rise in their insurance premiums.

How can I get the best travel insurance possible?

The easiest and quickest way to ensure you are offered the best travel insurance premium as possible, regardless of the above factors, is to compare travel insurance rates online. At Compare Insurance, we compare the travel insurance rates from the best travel insurance companies in the UAE, to ensure you can find the best deal possible effortlessly.

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Travel Insurance

4 tips for keeping your travel insurance premiums low

Taking a trip without taking out a travel insurance policy first is extremely unwise, as it will leave you without protection should you fall victim to illness or injury while abroad. However, just because you need to buy travel insurance, it doesn’t mean you should pay a fortune for it. In this blog, we will look at a few ways of keeping the premium low.

Don’t buy from a travel agency

Some travel agencies and holiday tour companies offer travel insurance as part of your holiday package, and it can be tempting to go with that as the simplest option. Simplest rarely means best in this situation though, as many policies provided by these companies are more costly. It pays to take the extra time to compare them with policies offered by travel insurance specialists before making a decision.

Go online

It is possible to get travel insurance online these days and that is often where you will find the best deals. This is because a number of insurance providers offer customers who shop online discounts of up to 20% on their policies as online applications reduce the overheads for the providers. Looking for your travel insurance on the internet will also give you the broadest choice of policies as an increasing number of companies are online-only now.

Choose your cover carefully

A good way of making sure you do not pay more than you need to is to tailor your policy. For instance, if the trip you have planned will mainly involve lying on a beach you can skip parts of travel policies like extreme sports cover that will add to the cost of the premiums and are not necessary for you. Equally, if you already have a home insurance policy that protects you if your possessions are lost abroad, try to get that part of the travel insurance policy removed.

Annual or single

If you travel frequently each year for business then choosing an annual travel policy will probably work out cheaper than getting insured individually for each trip. On the other hand, if it is just a once a year holiday, a single trip policy will likely be more cost-effective.

Contact us now to discover the best travel insurance policies to suit your needs.

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