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Home Page > Travel > Ski Insurance UK Advantages!

Ski Insurance UK Advantages!

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Posted: Feb 17, 2011 |Comments: 0
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If you’re ready to experience endless fun and adventure on slippery slopes without buying ski travel insurance, think once again! Cutting down on costs may seem to be very tempting but can prove be to very costly if you get trapped in some emergency situation. You may not realize the importance of an insurance coverage while at home but you never know what sort of situation you’re going to face once you’re out for vacation. In order to reduce the uncertainty and enjoy your holiday with free mind, it is wise to cover your travel.

Thousands of skiers and snowboarders head to snow covered slopes during winters in search for adventure. But only a few of them take out insurance cover and safeguard themselves against any unexpected mishap. Those who don’t buy any insurance face a financial disaster in the event of a medical emergency such as broken bones, skull injuries or accident. To avoid such disaster and cover your risk, it is good to purchase appropriate ski insurance . It not only provides you with financial coverage but also offers peace of mind allowing you to enjoy a hassle-free holiday.

Finding Appropriate Ski Insurance UK

Once you decide to buy journey insurance along with winter sports cover, next step is to find an appropriate policy. Before opting for any specific plan, you must analyze your risks and decide how much coverage you require. Finding appropriate ski insurance UK has become extremely easy. With Travel Guard travel insurance, you can easily get an appropriate insurance policy according your needs and requirements. Whatever is your budget, they can accommodate your needs. Whether you want a basic journey cover or extended coverage, you get everything at one single place.

What to Look for in Ski Travel Insurance?

When you go to buy winter sports insurance along with journey cover, see to it that you’re getting proper coverage. Don’t jump into purchasing it just because it is a cheaper one. Analyze your risks and make a note of them. View all the available options and see what all they offer. Select the ones that match your requirements. Now create a fit between your coverage needs and their coverage offerings. You can also compare policy premiums and buy the cheapest one from them.

The best insurance plan is the one that offers maximum coverage at minimum price. Although insurance quotes are available online nowadays, but you can still ask for professional assistance in case you’re unable to decide which one to buy for yourself.

What All Ski Insurance Covers?

Ski travel insurance provides coverage for skull injuries, knee smash, broken bones, ski lift accidents, fractures and gashes, rescue operation, surgery expenses, accident, transportation expenses and emergency evacuation. It also covers loss of baggage, sports equipments, mobile phones, camera, othe electronic items and money. The insurance policy does not cover injuries out of dangerous acts, claims from alcohol, cosmetic surgery, existing medical conditions, nervous illness, etc.

When to Buy Insurance Plan?

Insurance should be bought at the same time when you plan for your trip. It takes out the hassle from your life. However, it’s never too late if you forget to cover your travel. You can buy it before leaving your home also. Buying insurance is a wise decision as it offers you complete coverage against your risk and peace of mind.

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Andy Waler -
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Travel Guard offers cover for Annual/Multi Trip Travel insurance from ￡16.98 for European cover or from ￡X.XX for worldwide cover. Get an instant quote now.

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Essential Travel Tips For Canada’s Winter Olympics

Mon, 14 Mar 2011 21:01:39 +0000

Essential Travel Tips For Canada’s Winter Olympics

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Essential Travel Tips For Canada’s Winter Olympics

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The Canada Winter Olympics in 2010 is promising to be quite an event. It seems every year that opening ceremonies get bigger, brighter and more spectacular; world records are broken in a more amazing fashion, and crowds get bigger. However, there is also heightened awareness of security every year, especially in the last decade. If you’re travelling to Canada’s Winter Olympics, we give you some of the inside info on travel insurance.

All About the Canada Winter Olympics

The Olympic Cauldron will be lit in Vancouver on February 12, 2010, marking the official start of the games. All of the regular Winter Olympic sports are on the agenda: ice hockey, alpine and cross-country skiing, ski jumping, snowboarding and figure and speed skating will be heavily attended. There are also a couple of relatively new sports included for this set of games, like Skeleton and Luge.

The Olympics in Vancouver are being held in one of the most picturesque locations ever seen in a host city. That location, however, is also causing a lot of speculation about whether conditions will be suitable for snow-based and other outdoor events. The Opening Ceremony, and traditionally high demand events like medal rounds in figure skating and ice hockey have been booked solid for months.

Potential Security Issues

The profile of the Winter Olympics makes it a target for potential terrorist or anarchist demonstrations, as well as those of other special interest groups. The torch relay, which began on the 30th of October last year (yes, that is a massive run!), has already been marred by minor demonstrations. However, these certainly were not on the scale of Beijing’s Olympics and the Tibet issue, which went off relatively undisturbed.

Do look out for demonstrations, which can quickly turn violent with the help of crowd mentality. There will be around 6,000 security personnel on hand in the Olympic vicinity to keep eventgoers safe. Don’t skimp on the travel insurance, however – an upgrade often costs less than you think it would, and is a sensible precaution in the current international climate.

Potential Logistical Issues

We already mentioned that the opening ceremony and high demand events have been booked solid for some time. If you have made any travel plans on the basis of attending these particular events, you may want to rethink them. Logistics-related travel insurance claims can only be paid if outside circumstances prevent you from fulfilling your hotel booking (or other bookings), not because of failure to plan ahead.

You’ll also want to make sure that your online travel insurance policy, or your car rental insurance policy, covers everybody who will be driving your rental car. After Manhattan, Vancouver has the highest population density in North America – so you can imagine the traffic around the Olympics time!

Recommended Level of Travel Insurance

Given the issues that travelers might encounter at the Vancouver Olympic Games, we’d recommend looking for the following in an online travel insurance policy:

Full medical travel insurance coverage – the risk of catching an illness in cold conditions, surrounded thousands of other people, is high
Logistical travel insurance coverage – the fact that accommodation is at a premium in and around the Games venues (and in the entire city!) means that you could be up for considerable extra costs if you have a logistical problem.

The highest level of travel insurance cover, which offers catastrophe cover, hijack benefit, search and rescue expenses, mugging benefit and resumption of trip benefits may not be needed here … however, it only costs a little extra and could add to your peace of mind.

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Save money on your travel insurance today. For a free quote, visit Cheap Travel Insurance.

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Article Tags:
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Insure Your Travel with Travel Guard Insurance

Fri, 04 Mar 2011 21:00:49 +0000

Insure Your Travel with Travel Guard Insurance

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Insure Your Travel with Travel Guard Insurance

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Travel insurance is a must whenever you move out to another state or country in order to cover all your financial expenses arising from any unforeseen happening. It intends to cover all your losses resulting from flight cancellation or delay, trip cancellation, medical expenses, delayed or missed departure, lost, stolen or damaged baggage, money and other precious belongings.

Journey covers are available for all types of travelers including students, business travelers, adventure travelers, sports travelers, leisure travelers, cruise travelers, international travelers, backpackers, rafters, skiers, snowboarders, etc. Anyone traveling within one’s own country or internationally can insure their travel.

Travel insurance should be ideally bought while planning for a trip. Whether you’re traveling for business purpose, personal reasons or going on a school or college excursion trip, it is something that you should consider very seriously. Even if you travel only once or twice a year, you shouldn’t leave your home uninsured.

When you decide to buy journey cover, make sure to approach a trusted and reputed insurer. Some insurance companies charge very high and include many unnecessary clauses in the insurance contract. If you’re residing in UK, consider buying journey insurance from Travel Guard. They have been in the industry for more than fifty years and are a reputed insurance company. Not only they provide you with an affordable travel policy but will make every effort to offer you complete peace of mind and satisfaction. With Travel Guard insurance, you can rest assured and enjoy your vacation to the fullest.

Travel Guard offers the most comprehensive travel policies at unbelievable prices and treats their customers as a family. Travel insurance UK is easily available to anyone within no time. With them, it is very easy and convenient to buy insurance policies. All you need to do is to submit your requirements and within no time, you’ll start receiving online insurance quotes.

Choose the best among all the available options. If you’re unable to decide which one to buy, you can ask for professional assistance. The professionals help you in choosing a policy that best suits your requirements. The main benefit of buying journey cover from them is that they do not add any unnecessary clauses in their insurance contract to confuse the buyers.

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Get an instant online Cheap Travel Insurance with Travel Guard, a global travel insurance provider.

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How to Understand Travel Insurance

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A Guide To Ski Insurance

Sat, 12 Feb 2011 21:00:30 +0000

A Guide To Ski Insurance

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A Guide To Ski Insurance

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If you are making plans to take a skiing holiday some time soon, it’s important to know a little bit about the difference between skiing insurance and standard travel insurance. A standard travel insurance policy will typically give you some kind of cover for a skiing holiday, but you should bear in mind that there may be strict terms regarding when you can claim and what you may claim for.

For instance when you take a look at the small print you might find that in the event of theft any loss can only be reclaimed if the ski equipment was stolen while in use, and so if something is taken by a thief from your hotel room it would not be covered.

So when you set out to buy travel insurance you will be better off if you take the time to look for a policy designed for skiing and winter sports holidaymakers generally. This will enable you to get the level of cover that suits you best, and to benefit from more generous conditions. You might find the deal offered by your travel agent to be insufficient, so always look around to see what else is available.

Though skiing and snowboarding are statistically far less dangerous than many people think, injuries do still happen especially to younger and less experienced skiers. Therefore you should not become complacent about your insurance. It remains essential if you intend to go skiing.

If a skier is evacuated from the mountains by helicopter because of injury or has to be returned home following an incident, the costs involved will be huge. The small outlay for specialist insurance could end up saving you big amounts if this were actually to happen.

The main concern for the insurance provider is the person. Therefore a lot of ski insurance will include little more beyond medical, rescue and repatriation. You should look around for a deal that will cater not just for you but for your equipment too.

Skiers and snowboarders inevitably make use of expensive, valuable equipment. So ensure when looking for a deal that you study the terms of any policy offered to you so that you are sure what is included.

If you take the time to look around at the options on offer, and if you study the conditions of the policy, you’ll be able to have a good skiing holiday in the knowledge that you will be protected should the worst ever happen.

Retrieved from “http://www.articlesbase.com/insurance-articles/a-guide-to-ski-insurance-995907.html”

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Providers such as etravelinsurance.co.uk provide specific winter travel insurance for those who are going for a winter break. And skiing insurance for the slightly more adventurous who want to hit the slopes.

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MAKE YOUR TRAVEL WORRY FREE WITH TRAVEL INSURANCE

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Weather chaos continues to cause travel misery

Wed, 02 Feb 2011 21:04:38 +0000

Weather chaos continues to cause travel misery

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Home Page > Travel > Weather chaos continues to cause travel misery

Weather chaos continues to cause travel misery

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It is the winter time again which bring lots of festivities, holidays and fun but along with that you also have to face heavy snowfall, landslide and avalanche which can keep you stuck for long hours. Hence it is essential that before you go on that planned holiday, you have taken the right holiday travel insurance as the bad weather condition may lead to cancellation of your trip. If you are not adequately insured then you could be liable for a cancellation charge which can amount to full cost of your holiday, including the deposit. However if you have the travel insurance then you need not worry about all this as the travel insurance provides comprehensive cover for trip cancellation or curtailment, or loss of deposit, rescue, personal accident, personal liability, medical and emergency expenses.

There are various cheap travel insurance policies in the market. You can choose from single trips, annual multi-trips and specialist cheap trip insurance policies including backpackers, ski Insurance, business travelers, cruise insurance, golf insurance and over 65’s. These insurances are affordable yet have extensive cover for any mishaps or emergency while on vacation. There is also 24hrs medical emergency hotline. You can get various offers, concessions and special rates for both single and annual trip policies such as kids go free on all single trips and various such attractive discounts. A standard travel insurance provides accidental benefits to the policy holder caused by an accident. It includes suffering a serious injury on or off the piste, partial impairment or permanent disability. It covers all the dangerous conditions and circumstances.

If you are going on a winter holiday in UK with family and friends and would indulge in winter sports activities such as skiing, mountaineering, ice skating, snowboarding etc then, it is crucial that you get yourself insured before you go on that holiday. There are various good cheap holiday insurance in UK which you can opt for. These policies covers financial loss incurred due to delayed departure, trip interruption and damaged or lost baggage. Most of these insurances provide cover for pre-medical conditions. This policy will also give you winter sports cover considering the risk involved in the winter sports activities. Cheap holiday insurance policy will cover you for a wide range of activities such as on and off piste skiing, ski racing, snowboarding, glacier walking, ice skating, sledging and many more. You also get the cover for hire of ski equipment in case you have not got yours or if they are misplaced or stolen. It is important to keep in mind that before you choose the policy for your vacations in UK, you should examine the personal set of risk and make sure it suits your personal needs so that you can enjoy your trip without any worry.

Whether you are on a vacation in UK with family or with group of friends or on a business travel, it is imperative that you and your family are insured for that holiday as you not only get valuable piece of mind but you and your family are adequately protected.

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Jinnie Smith Says:Get an instant online cheap travel insurance with Travel Guard, a global travel insurance provider.For more info please visit:http://www.travel-guard.co.uk/

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Does hot weather cause water retention ?
My whites spot will appear especially cold weather but sometimes it is not visible..areas affected are my arms and legs only.Can u tell what causes this?how to cure this?
I feel anxiety and fear always whenever i decide to travel and this causes crunching my stomach. what should i do? pls help me

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Skiing Versus Snowboarding – Which Is Best?

Sun, 23 Jan 2011 20:59:22 +0000

Skiing Versus Snowboarding – Which Is Best?

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Skiing Versus Snowboarding – Which Is Best?

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There was a time when there was only one winter sport on the lips of sporting enthusiasts, and that was skiing. However, the inception and explosion of snowboarding as an alternative way to hit the slopes meant that people suddenly found they had a choice – and with that choice came the need for favourites. Since then, a large number of thrill seekers have devoted an inordinate amount of time to either defending their chosen winter sport or bashing the competition. So the debate continues, is snowboarding really better than skiing?

Snowboarding only really hit the slopes in the 60s and 70s, after American surf and snow enthusiast Sherman Poppen created prototype of the snowboards we are all familiar with today. Skiing, on the other hand, is a sport with origins dating back to pre-historic times. As such, skiing tends to have a reputation as an older and therefore less desirable form of sport, this fuddy-duddy image is not helped by the fact that back in the 70s skiing had a reputation as a pretty elitist sport.

The reputation of skiing was not helped by the fact that it was an expensive pastime, and many dedicated resorts were not willing to open their doors and welcome the young snowboarding fanatics with open arms. It’s not hard to see how easy it was for the two factions to assume that the other side wouldn’t understand them – despite the fact that the two sports share a number of obvious similarities.

However, areas in which snowboarding and skiing differ include the amount of energy expended in staying upright – skiers make use of poles when at a stop while snowboarders either have to stay tensed or sit – as well as stresses on different parts of the body. Those with weaker knees are better suited to giving snowboarding a go as the injury figures are higher in skiing – but snowboarding has conversely been considered harder on the wrists.

Anyone whose main criteria for choice is speed may be surprised by the fact that skiing tends to offer better results in terms of velocity. Despite this, snowboarding remains popular with many young crowds, partly for the number and styles of tricks the sport offers. When it comes to beginners, the chances are that you’ll find yourself equally likely to suffer thrills and spills whether you choose one board or two skies, but if you already know one sport it’s likely you’ll find it easier to learn the other.

The divide between the two winter sports has lessened over the years, especially since snowboarding became an Olympic sport in 1988. Now, fans of both snow sports keep their fights for the slopes and the discovery of the best snow and runs and all make sure to obtain winter sports travel insurance before grinding the powder.

Retrieved from “http://www.articlesbase.com/health-articles/skiing-versus-snowboarding-which-is-best-1820824.html”

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Paul Buchanan writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.

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What to Ask When Purchasing Skis and Snowboards

Source: http://www.articlesbase.com/health-articles/skiing-versus-snowboarding-which-is-best-1820824.html

Article Tags:
winter sports travel insurance, skiing, snowboarding, snow sports

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Is Ski & Snowboarding Insurance Essential for a Winter Sport Break?

Thu, 13 Jan 2011 20:59:06 +0000

Is Ski & Snowboarding Insurance Essential for a Winter Sport Break?

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Is Ski & Snowboarding Insurance Essential for a Winter Sport Break?

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Posted: Nov 25, 2010 |Comments: 0
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Are you thinking if ski and snowboarding insurance is essential for a winter sport break? No doubt, it is very essential! Lots of ski and snowboarding enthusiasts like you have been opting for the Winter Sports Insurance to reduce the risk of getting into a negative situation. It is important that you buy for yourself and your family the right kind of insurance policy before you go for trips, especially for adventurous trips. Particularly ski and snowboarding activities are fun filled but they are also very much hazardous and you have to plan such trips meticulously.

As you know, ski and snowboarding are perilous sports and the chances of getting into an ugly and unwanted scenario is high. You will be amazed to know that one out of five ski insurance holder have to use the insurance policy. This is quite a significant number and certainly you would not like to take it for granted, would you? Why to make your good time become pain for a lifetime while you have an option to lessen the burden of negative and unwanted events that might crop up during your fun time. Whether one is professional or amateur the fear is always there in our conscious mind. The truth is, fear is really good at times. This teaches us how to be more secured and harness ourselves for the proper events. In fact it makes us to act more sensibly and pragmatically.

It has been seen that generally these sports brings fatal injury and wounds that takes a long period to heal. At times one has to be hospitalized for weeks or months. Just think for a minute what financial mess one would be in if he or she is not covered with ski insurance in such a situation. It is obviously going to be financially disastrous ifone is not properly insured. In the worst scenario it has been seen that few people who met meet with very untoward accident had to live with a permanent disability. Beside other expenses are always there! Such as reimbursement for the damaged sports equipments and gadgets that are generally very costly.

Thus it is always better to play smart and safe and get yourself covered with winter travel insurance before heading for your trip. There are many options available but choose one that covers you most and gives you the maximum benefits. The best Ski Travel Insurance should cover for your emergency medical evacuation, temporary or permanent disabilities, life, reimbursement for the damaged equipments and third party liability insurance if incase you hurt someone or damage their belongings and property beside the cover for lost or stolen baggage and valuables cover for lost or stolen passport and travel interruption and cancellation due to various reasons. Now days it is easy to purchase the insurance policy as you can get the online quote from numerous insurance agencies and can even purchase the policy online. You shouldn’t purchase insurance policy in a rush Take your time to go through the policy, terms and conditions and make sure it covers you to the maximum before making a final decision.

Get yourself insured with winter travel insurance and buy for yourself the peace of mind to enjoy your winter vacation properly.

Retrieved from “http://www.articlesbase.com/travel-articles/is-ski-snowboarding-insurance-essential-for-a-winter-sport-break-3727291.html”

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“Jinnie Smith Says:” The first and foremost thing is to make sure you have a Ski Travel Insurance that covers you well enough to give you the peace of mind. You can purchase the Winter Sports Insurance policy online by logging onto any of the Meta search engines that provides travel services.or more info visit:http://travel-insuranceinfo.blogspot.com/

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How to Stay safe and healthy while you are travelling

Mon, 03 Jan 2011 21:08:41 +0000

How to Stay safe and healthy while you are travelling

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Home Page > Finance > Insurance > How to Stay safe and healthy while you are travelling

How to Stay safe and healthy while you are travelling

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Sometimes, it’s to do with commonsense precautions – like arranging the right vaccinations and travel insurance. Sometimes, we have more specialist advice – like how to keep yourself informed about the risks of terrorism in the country you’re going to.

The essential travel checklist

Make sure you read our travel checklist before you go away – it’s got everything you need to know for staying safe and healthy abroad!

Take our number with you!

Find out why it’s a good idea to always make a note of the nearest embassy’s phone number when you’re abroad.

Travel checklist

We’ve put together this travel checklist to help you plan for your trip abroad and stay safe whilst you are there. We’ve got more advice for specific types of travellers in Your trip.

Before you go:
check our travel advice pages for the country you are visiting. Sign up for email alerts and you’ll get the latest updates for that country
register with our LOCATE service so we can get in touch with you if something goes wrong
find out where the nearest embassy will be – check their website to find out what services they offer and their opening times
don’t travel without insurance – make sure it covers you for any activities you are likely to undertake such as extreme or water sports
travelling within the EU? Then get a free European Health Insurance Card for free or reduced emergency care – you still need full travel insurance though! Also remember, you can call 112 to contact the emergency services in any EU country.
check with your doctor as soon as possible to find out if you need any vaccinations before you travel
make sure you’ve got correct visas for the country you are visiting and that your passport is valid.
All first time adult passport applicants must now attend an interview to verify their identity. It now takes up to six weeks to get a first passport. For more information please visitDirectGov
for certain countries your passport must be valid for 6 months after the date you travel – check the entry requirementsbefore you go
take photocopies of your passport and other important documents and keep these separate from the originals when you travel and/or store them online using a secure data storage site.
make sure you fill in the emergency contact details in your passport. This will make it much easier for us to contact someone if necessary
tell a friend or relative where you are going and for how long for – give them some idea of your itinerary if possible and an emergency contact number
take enough money for your trip and some back-up funds in a mix of cash and travellers cheque – make a note of the cheques’ numbers before you go
invest in a good travel guide to help you plan your trip
driving abroad? Make sure your licence is current and valid. Make sure you are aware of the driving laws in the country you are visiting
check HM Revenue & Customs Travel website for information on duty-free allowances, banned goods etc.
When you are away:
think about what you are doing at all times and trust your instincts – don’t take risks that you wouldn’t at home!
don’t openly display valuables such as mobile phones or digital cameras and consider using a padlock on suitcases or backpacks
find out about local customs and dress, behave accordingly and obey local laws -there may be serious penalties for breaking a law that might seem trivial at home
be careful when taking photographs, videos or using binoculars. Such activities may be misunderstood, especially near military installations
consider taking your mobile with you or renting one whilst you’re away. Store useful numbers such as the local police and the nearest embassy or consulate
check with your service provider to make sure your phone works abroad
check whether it’s safe to drink local tap water- if not, stick to bottled water and avoid salads, non-peeling fruit and ice in drinks
use your judgement when buying and eating food you’ve not prepared yourself
respect the environment – don’t buy wildlife souvenirs, conserve resources like water and don’t drop litter
check import regulations for food and plants before you attempt to bring them back to the UK

Travel Health

Travelling to different climates and environments abroad can expose you to disease and health risks. You should be aware of the dangers and how to stay healthy.

Diseases which aren’t present in the UK such as yellow fever, malaria, rabies and dengue fever are common in some areas of the world.

Vaccinations and immunisations

Visit your GP as soon as possible to check if you need any vaccinations or other preventive measures (such as malaria tablets).

Remember, these treatments aren’t usually available as NHS prescriptions.

General travel health tips

You should also make extra preparations if you have an existing medical condition.

take out adequate travel insurance or you could face a huge medical bill if you fall ill and need treatment
get a European Health Insurance Card (EHIC) to entitle you to free or discounted healthcare in European countries
check the health section of our country travel advice before you travel
drink plenty of water in hot climates to avoid dehydration
be safe in the sun – use a high-factor sunscreen and avoid excessive sunbathing between 11am – 3pm
find out the local emergency services numbers and the number of the local hospital
practice safe sex – take condoms with you as quality varies in different countries. HIV and Aids, and other sexually transmitted diseases can be caught worldwide.
Long-distance journeys
don’t wear tight clothing on long-distance journeys
do regular stretching exercises such as flexing and extending your ankles to avoid circulation problems
walk round at regular intervals on long flights
drink plenty of water on flights and avoid drinking too much alcohol.
Consult your doctor before long-distance travel if you:
are pregnant or have given birth in the last 6 months
have a history of blood disorders, deep vein thrombosis or pulmonary embolism
are taking hormonal medication (including the contraceptive pill)
have cancer, heart problems or have recently had surgery.
If you have a pre-existing medical condition
tell your travel insurer about your condition
ask your doctor how the trip might affect you
check local conditions such as climate and pollution levels and consider how you might be affected
carry a doctor’s letter and a copy of any prescriptions
ensure your medication is legal in the country you are visiting – the British Embassy can advise you
learn key words and phrases in the local language for your condition, medication and emergency help
take the same precautions you normally would in the UK if you weren’t going to be at home for a while
if you suffer from a mental illness you should be aware that facilities and local attitudes to mental health problems may differ from those in the UK. Do some research before you go.

HIV and AIDs

Acquired Immune Deficiency Syndrome (AIDS) is present worldwide. It is caused by the virus known as Human Immuno-deficiency Virus (HIV). There is not a vaccine or cure for either, and people with HIV remain infected all their lives.

HIV/ AIDS can be contracted through:
unprotected sex with an infected person, who may not know they are infected
the use of infected syringes, medical and dental instruments or anything else that punctures the skin, such as tattooing needles
transfusions of HIV infected blood
passing from an infected mother to her baby during pregnancy, childbirth or breast-feeding.

It cannot be passed on through everyday social contact, insect bites or dirty food and crockery. Nor can it be passed on through kissing, coughing and sneezing.

Protecting yourself against HIV/AIDS
ensure you use condoms with new sexual partners. It is advisable to pack your own as standards may differ from those in the UK or they may not readily be available
don’t share needles and syringes
be aware that some countries do not have the same medical standards as the UK. Equipment may not be adequately sterilised, nor blood screened for HIV and hepatitis B or C
if you require self-administered injections, take an adequate supply of your own needles
don’t have a tattoo, acupuncture treatment or body piercing unless you can be sure the equipment is sterile.

Some countries have introduced HIV antibody testing for some visitors, or require an HIV antibody test certificate. Check with the relevant Embassy (see right for a search facility) before you travel.

If you need to take HIV/ AIDS related medications with you, check it’s legal in the country you’re visiting. It’s best to pack it in your hand luggage and take a letter from your GP with you.

The relevant embassy and your local GP will provide you with more information.

Malaria

Malaria is a major health problem in tropical and subtropical parts of the world. It is spread by the bites of infected mosquitoes.

Some forms can be fatal, others produce a high fever and may lead to kidney, liver, brain and blood complications.

Make sure that you:
Tell your doctor which countries and regions you will be visiting. Malaria parasites are resistant to different types of malaria tablet in different countries, so you need to be sure you’re taking the right ones
Ask your doctor when you should start taking the medication and how long you should take it for. It is essential that you complete the course of tablets
Avoid mosquito bites by using insect repellent. Repellent containing DEET is particularly effective
Keep your arms and legs covered after sunset
Ensure the area where you are sleeping is properly screened and air conditioned if possible. Use a ‘knockdown’ spray to kill any mosquitoes
Sleep under an insecticide impregnated mosquito net

Please note that none of these measures offer total protection.

If you develop a fever or feel ill whilst abroad you should consult a doctor.

If you develop malarial symptoms up to one year after leaving a malarial region, you should seek medical attention and tell the doctor you have been to country where malaria is a risk.

Avian & Pandemic Influenza

The risk to humans from avian flu (commonly known as bird flu) is currently low, so there’s no reason not to travel to affected countries.

There’s comprehensive advice and information on the current situation and background on the World Health Organisation (WHO) website, including a map showing where there have been outbreaks.

Despite the low risk, you should still take precautions if you’re travelling to an affected country:

consult your usual healthcare provider for travel medical advice and further guidance if you have specific concerns
check our travel advice for the relevant country before travelling
avoid visiting live animal markets, poultry farms and other places where you might come into contact with wild, domestic or caged birds
avoid contact with surfaces contaminated with animal faeces or fluids
avoid eating or handling raw and undercooked poultry, egg or duck dishes (normal cooking destroys the virus)
wash your hands regularly, especially before eating or preparing food
don’t attempt to bring any live poultry products back to the UK.

Because of the low risk, UK’s Health Protection Agency does not at present advise tourists visiting affected areas to carry anti-viral drugs.

Avian versus Pandemic Flu

It’s important to distinguish between avian flu, the current disease affecting mainly birds, and pandemic flu, which would affect mainly humans and is at this stage only a possibility.

The World Health Organisation (WHO) warns recent outbreaks of avian flu could trigger a future human flu pandemic, by combining with the influenza virus. It is impossible to predict when this might happen, but if it did, it would be much more serious.

There is presently no vaccine against any future pandemic flu strain. Anti-viral drugs such as oseltamivir (Tamiflu), may be effective in reducing the severity and duration of an influenza illness, but this has not been proven in a pandemic situation. Their effect may be limited if a resistance is developed to the drug.

Further medical information is available from the Department of Health.

How we’ll help in a pandemic

We’re working with the Department of Health to prepare for a possible pandemic.

As a precaution, we have obtained courses of the anti-viral drug oseltamivir (Tamiflu) for treatment of our staff working overseas should they fall ill in the event of a pandemic.

This should enable our staff at overseas missions to continue to work and provide consular assistance to British nationals overseas.
It also fulfils our duty of care to our staff, in line with the actions of many other organisations and UK companies with operations overseas.

As far as possible, we’ll continue to deliver a consular service for British nationals resident or travelling overseas through our network of embassies.

But this may be limited, depending on the scale and severity of the virus in some countries. In extreme cases we may even have to offer evacuation for our staff and their dependents.

British nationals living overseas

If you live in a country affected by avian flu you should be prepared to take personal responsibility for your own health and consider whether you would have access to anti-viral medicine in case of a pandemic. In a pandemic you should seek medical advice before using anti-viral drugs.

British nationals working overseas should speak to their employers about the contingency plans in place for a flu pandemic. Such plans may include access to anti-viral treatment for employees and/or repatriation to the UK.

A flu pandemic could spread extremely quickly and with little warning. Many countries will not be sufficiently prepared and the availability of anti-viral drugs may be limited.

Our embassy staff may be able to provide advice on the availability of local medicines or healthcare but we cannot provide medical treatment.

Some countries might close their borders, international transport could be severely disrupted or halted, and travel could become medically inadvisable. We will not be in the position to offer repatriation to British nationals during a pandemic.

Swine flu

About to travel overseas?

In some instances swine flu might affect your travel plans, you should therefore consult the travel advice for the country concerned.

Before you travel
If you have swine flu, do not travel until you are no longer showing symptoms.
Check to see if your destination is reporting cases of swine flu. You can look on the NaTHNaC website for up-to-date information.
Stock up on waterless alcohol-based hand gels.
You should also consider:
whether you need to go to a swine flu affected area
the risk of getting swine flu at your destination
the level of medical care including access to anti-viral medications in the event you need treatment for an influenza-like illness (fever plus two or more of cough, sore throat, runny nose, muscle aches or headache).

You should receive appropriate vaccines and other preventive measures for your destination. This includes seasonal influenza vaccine if you come under the recommended risk groups. See NaTHNaC Health Information Sheet on Influenza
You should obtain comprehensive travel health insurance, and clarify any exclusions to coverage.
You should also check the policy of your carrier or tour operator on transporting people who are ill, or who have been exposed to or diagnosed with the A(H1N1) swine flu virus.
During travel

Influenza is transmitted via the respiratory route and you should exercise sensible precautions:

Follow public health guidance at your destination.
Avoid crowding or mass gatherings.
Where possible avoid close contact with persons who are ill with an flu-like illness.
Wash hands with soap and water; use waterless alcohol-based hand gels when soap and water is not available.
Avoid touching your nose, mouth or eyes, to prevent the spread of germs.
Cover your nose and mouth with a tissue when you cough or sneeze and dispose of the tissue promptly.
Keep hard surfaces (e.g. door handles, countertops) clean using a normal cleaning solution.
Ensure that children follow similar advice.
Swine flu has not been shown to be transmissible to people through eating properly handled and cooked pork and pork products.
There is little evidence of the effectiveness of wearing masks, However, properly fitted special grade masks can be worn in situations such as healthcare settings.
If you fall ill while abroad (especially with flu-like symptoms) you should seek medical assistance. Where possible the British Embassy/High Commission/Consulate should be able to provide British nationals with details of English-speaking doctors and information on the local availability of anti-virals.
After you travel

Travellers who have visited affected areas should monitor their health for seven days after the visit. If you develop a flu-like illness with cough, sore throat, runny nose, headache or muscle aches, within seven days you should:

Check your symptoms.
Limit contact with other people.
Cover your nose and mouth with a tissue when you cough or sneeze and dispose of the tissue promptly.
Wash hands with soap and water.
Keep hard surfaces (e.g. door handles, countertops) clean using a normal cleaning solution.

British nationals abroad

If you live in a country affected by swine flu, you should monitor our travel advice. This might include obtaining access to anti-viral medicine. If you have any concerns over your own health, you should seek medical advice.

Click here for your Travel Insurance Needs.

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Home Page > Finance > Your Travel Insurance Options

Your Travel Insurance Options

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Posted: Nov 11, 2010
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Travel insurance provides coverage against financial and other losses that you may incur while travelling domestically or internationally. You can either get it at the time of booking your trip, for the exact length of the trip or you can get it for a longer period. Travel agents, travel insurance companies, cruise lines, or tour operators can all help you with purchase of continuous travel insurance.

Here’s a list of some of the most common risks that are covered by travel insurance:

- Cancellations and/or Curtailments;
- Delayed departures for flights, and other modes of travel;
- Loss, theft or damage to personal belonging and money including travel documents;
- Delay or loss of baggage;
- Medical expenses/Sickness;
- Emergency evacuation/repatriation;
- Overseas funeral expenses;
- Accidental death, injury or disability benefit;
- Legal assistance for travel related needs;
- Personal liability;
- Loss of income due to other reasons.

Some travel insurance companies have travel policies, which will also provide you extra coverage for additional price. However, these costs vary widely from carrier to carrier. Here’s a list of the extra insurance coverage that can be purchased for an additional fee:

- High risk sports (e.g. bungee jumping, scuba diving, sky diving);
- Travel to countries with high risk (e.g. due to civil wars or natural disasters);
- Travel with pre-existing medical conditions (e.g. asthma, diabetes, heart conditions).

There are several types of policies available depending on your needs. If you travel more than twice a year, then you can avail the option of an annual holiday insurance policy, rather than buying two single travel insurance policies. Some basic types of policies available are:

- Single Trip Cheap Travel Insurance. Perfect for those who take one main holiday annually. It covers single trips anytime in the year with a duration of min. 3 to max. 183 days per trip.

- Annual Multi-Trip Cheap Travel Insurance. If you travel over two times in a year, then this holiday coverage works well for you. Not only do you get flexibility and peace of mind knowing you are covered for each trip, you will also save on money. You can make unlimited trips of up to 45 days each through the year.

- Backpackers Cheap Travel Insurance. Students and backpackers may insure themselves by opting for this insurance type. Travelling to unknown countries and places where you may not even speak the language is a path fraught with danger, but with a travel policy, you’ll be secure in the feeling that if you meet with an accident or fall sick, you’ll be able to get the necessary medical assistance. It usually covers trips from 31 days to 18 months per trip. Some carriers also include up to 40 Adventure Sports in the policy.

Some of the other travel insurance types are Ski/Snowboarding, Senior Citizen and Long Stay Travel Insurance policies. Choose the best one for you, stay covered, and be stress free on your holidays!

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Joan Shine -
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Information on types of injections can be found at the Health And Nutrition Tips site.

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