Archive for the ‘snowboard travel insurance’ Category

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Going Skiing? Take Out Travel Insurance – you Know it Makes Sense

Thursday, August 26th, 2010

The net result is that an increasing number of skiers and snowboarders are injured each year and, while falls, tumbles and the occasional wipe out are part of the holiday experience, you could be hit hard when it goes wrong. Being rescued from the ski slopes will now cost you well over £75, while medical expenses could set you back a further £250. The more serious injury cases could be even more painful both physically and financially. Repatriation to London from the Alps will cost around £2,500, rising to a hefty £6,000 from the USA.

And if you think that a European Health Insurance Card (EHIC) will provide you with full medical cover while skiing in Europe, then think again. The EHIC, which replaced the E111, entitles you to low cost, sometimes free, basic medical treatment on the same terms as all nationals in EU states, but it should not be viewed as a substitute for proper travel insurance as the EHIC will not cover costly extras such as an air ambulance, personal liability, trip cancellation, or loss of baggage.

That said, do not assume a standard travel insurance policy is enough, as most winter sports travel insurance cover has to be bought as an extra option and, even then, check the small print on your policy. It would be wise to check that the heli-sking or freestyle skiing that you intend to do is covered, not to mention those ‘off piste’ activities you have planned as your ski travel insurance policy could very well exclude these and that could mean being saddled with an unexpected bill if you get injured.

The golden rule is ‘Get the best cover for the activities you are planning to do’. This is one area of travel insurance where buying cheap travel insurance could definitely end up being a false economy.

Keith McGregor is a partner of Strawberrysoup, a web design agency with offices in Chichester and Bournemouth. Strawberrysoup specialise in creative web design, content managed websites, search engine optimisation, search engine marketing and graphic design

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Travel Insurance- are you Covered?

Monday, August 16th, 2010

Thousands of people every year take out insurance to cover them whilst they are out of the country on holiday, but how far does that cover go?

For many, winter sports such as skiing and snowboarding make for the ideal holiday but with people still relying on their standard travel insurance, this sometimes turns out not to be the case. Standard travel insurance does not actually cover holiday makers for winter sports and with French mountain doctors estimating that almost one in 50 winter sports fans was injured throughout 2006 and 2007 this figure means that many people will be paying thousands of pounds on top of the cost of their holiday.

A straightforward booking procedure and cheap travel insurance are usually the main things most people are looking for when organising their holidays and therefore most opt for standard holiday insurance each year which they also use for their summer holiday or alternatively for the options offered by their banks for example. If this is the case, it has been suggested by Kelly Ostler, from the Association of British Insurers (ABI) that these insurance policies are checked to see whether winter sports are included in the cover. If they are not, then it is only a matter of £10 or £15 to get the added cover which seems well worth it considering that the costs for recovery from more serious accidents could run into the millions.

It is also worth noting what a well-known insurance provider noted; that many policies don’t cover the more extreme winter sports such as icelake diving, so it is well worth checking just how much you are covered by your annual travel insurance.

Gill Critchley is a UK based author with experience within the financial industry centering on the insurance sector.

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Arranging Travel Insurance

Friday, August 6th, 2010

Everybody has their own idea of their perfect holiday. From relaxing on sunkissed beaches, exploring cities steeped in history or racing down the side of a mountain on a snowboard.

When arranging the details of your holiday, it is advisable to ensure that you have little plans in place in case of accident or incident. Every year thousands of tourists have their possessions stolen or are injured abroad each year, and many of them do not have sufficient cover and end up out of pocket at the end of their holiday.

Travel insurance is especially important if you’re looking to participate in extreme or winter sports, and whilst many companies will offer some form of protection as part of their package deals, it’s always worth giving yourself that extra peace of mind by taking out some winter sports cover. Travel insurance policies vary depending on your destination and choice of activities, and it’s always best to double check with your insurance company what activities would be covered.

As well as ensuring that your activities are covered, you must also ensure that you have ill health cover to ensure that you are entitled to medical treatment in your destination country should you fall ill abroad. Having insurance in place will also help to cover you should you need to return home in the event of an accident or illness.

As well as arranging cover for yourself, you should also ensure that your luggage is covered, many providers will offer some level of protection for items such as passports and electronic items. This type of cover can be particularly useful if you’re thinking of taking a backpacking trip. It’s best to check with your airline as to whether you’ll be covered in the event of lost passports, flight cancellations or severe disruption to your journey.

If you’re travelling to Europe, it can be worth taking out a European Health Insurance Card (EHIC) – which entitles you to free or discounted treatment should you require it abroad. Bear in mind though, that this is not a substitute for a travel insurance policy, and you should look to take out additional cover as well as an EHIC before you travel.

By arranging a suitable insurance policy before you travel, you can give yourself a degree of protection against a variety of factors during your trip. Whether you’re looking to relax or are seeking exhilaration on an extreme sports holiday, taking the time to arrange a cheap travel insurance plan before you jet off can help to put your mind at ease while you are enjoying yourself.

David is an experienced web author based in the UK

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Arranging Travel Insurance

Friday, August 6th, 2010

Everybody has their own idea of their perfect holiday. From relaxing on sunkissed beaches, exploring cities steeped in history or racing down the side of a mountain on a snowboard.

When arranging the details of your holiday, it is advisable to ensure that you have little plans in place in case of accident or incident. Every year thousands of tourists have their possessions stolen or are injured abroad each year, and many of them do not have sufficient cover and end up out of pocket at the end of their holiday.

Travel insurance is especially important if you’re looking to participate in extreme or winter sports, and whilst many companies will offer some form of protection as part of their package deals, it’s always worth giving yourself that extra peace of mind by taking out some winter sports cover. Travel insurance policies vary depending on your destination and choice of activities, and it’s always best to double check with your insurance company what activities would be covered.

As well as ensuring that your activities are covered, you must also ensure that you have ill health cover to ensure that you are entitled to medical treatment in your destination country should you fall ill abroad. Having insurance in place will also help to cover you should you need to return home in the event of an accident or illness.

As well as arranging cover for yourself, you should also ensure that your luggage is covered, many providers will offer some level of protection for items such as passports and electronic items. This type of cover can be particularly useful if you’re thinking of taking a backpacking trip. It’s best to check with your airline as to whether you’ll be covered in the event of lost passports, flight cancellations or severe disruption to your journey.

If you’re travelling to Europe, it can be worth taking out a European Health Insurance Card (EHIC) – which entitles you to free or discounted treatment should you require it abroad. Bear in mind though, that this is not a substitute for a travel insurance policy, and you should look to take out additional cover as well as an EHIC before you travel.

By arranging a suitable insurance policy before you travel, you can give yourself a degree of protection against a variety of factors during your trip. Whether you’re looking to relax or are seeking exhilaration on an extreme sports holiday, taking the time to arrange a cheap travel insurance plan before you jet off can help to put your mind at ease while you are enjoying yourself.

David is an experienced web author based in the UK

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Single Trip Travel Insurance

Friday, August 6th, 2010

If you only plan to travel abroad once this year, then single trip travel insurance is probably the best value – there’s no point in paying for cover you don’t need!

Generally speaking, you can purchase single trip travel insurance to cover three areas; Europe, Worldwide and Worldwide with exclusions. These exclusions tend to be travel to areas like the Caribbean, USA and Canada where claims tend to be more expensive. Check your policy details to make sure you have chosen the right territory – for example, some providers include Tunisia under their European cover, while others don’t.

It is also very important to check the details of your single trip travel insurance policy very carefully to check the cover meets your needs. If it does prove to be unsuitable, you should be able to obtain a refund within 14 days of taking out the policy provided your trip has not already begun and you have not made a claim on the policy.

A good single trip travel insurance policy should offer cover for emergency medical expenses, cancellation, curtailment, personal possessions, personal liability and legal expenses. Many single trip travel insurance policies offer the option to exclude baggage cover for a discount – this is worth doing if you already have “away from home” cover for your personal belongings on your home contents insurance policy, or don’t feel that you need cover for this.

You may also have encountered something called “excess waiver” on some single trip travel insurance policies. Basically, the excess is an amount that you pay whenever you make a certain type of claim. By paying a small addition premium for “excess waiver” you can eliminate this cost.

If you are planning a ski or snowboard trip, it is important to find single trip travel insurance which offers cover for this. Similarly if you are going on an adventure holiday, check that the single trip travel insurance policy offers cover for any hazardous activities you are taking part in before you go.

Single trip travel insurance is available from a number of places. If you booked your holiday through a travel agent you will probably have been offered their policy, but remember you are not obliged to take this and it can work out very expensive. Thanks to comparison sites such as Moneysupermarket it is easier than ever to compare single trip travel insurance premiums, and as a result the market has become very competitive.

Don’t be tempted to try and save money by travelling without single trip travel insurance – the cost of sorting out even a small problem will probably outweigh the premium you paid, and bills for medical emergencies can run into many thousands of pounds.

24/7 travel insurance offers single trip travel insurance policies from as little as

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Find the Right Travel Insurance – 10 Practical Tips

Friday, August 6th, 2010

“Insurance is like marriage. You pay, pay, pay, and you never get anything back.”

- Al Bundy

Getting the right insurance can be very important in case you run into problems. Here are some hints on pitfalls to avoid:

The travel insurance can differ a lot on what it covers. Make sure that you understand what is included and that you have the right travel insurance for the place you are going and the activities that you intend to do. Shop around – there may be significant differences in prices (make sure you compare apples to apples though, the fine print can be hard to understand in detail).

Make sure that any expensive items (e.g. video camera) you plan to take along is covered, check the maximum amount per individual item. How can you prove to the insurance company that you owned the item? Keeping a photo and the receipt may be useful.

Some policies cover only theft and not loss. Others have a hefty excess fee (an amount is deducted from the amount you are supposed to get back from the insurance).

If you plan to travel several times during a year a multi-trip insurance can be more economical than buying travel insurance every time you go.

Some travel agents make a large part of their income from selling insurance since the price for tickets is easy to compare online and there is a lot of competition selling tickets.

Sometimes you have basic travel insurance included in your home insurance for a certain amount of days and it may be what you need. If it is not enough you may be able to take out additional travel insurance on your home insurance (but this is not necessarily the cheapest alternative).

If you pay for your flight using a credit card you can sometimes get a basic travel insurance included. Check with your credit card company to for details. Also check what is included in your homeowner insurance before getting additional travel insurance.

Make sure that you know where to call if you need to get in touch with your insurance company and keep a copy of your insurance policy with contact details with you.

Check what the process for reimbursement is before you go (e.g. you may have to present receipts afterwards or get the treatment approved in advance).

Check that the insurance covers the activities you plan on doing such as climbing, snowboarding or hang gliding. Some companies specialize in insurances for high-risk activities.

The above article is based on information in the Backpacker

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Points to Consider When You Compare Travel Insurance

Friday, August 6th, 2010

If you’re going on holiday this year then getting solid travel insurance isn’t just a good idea, it’s essential. Medical bills abroad can be extremely costly and it’s simply not worth taking the risk. You needn’t break the bank though, provided you’re prepared to compare travel insurance quotes and shop around a bit to find the best deal. Here are some points to consider:

Annual cover

If you’re overwhelmed each time you look online to compare travel insurance and find the process irritating and repetitive, it can be easier to get annual cover and then not worry about travelling for a whole 12 months. Especially if you’re going to take three or more trips abroad in a year, annual cover is definitely the way to go, as you can often save yourself money as well as time.

Ski trip extras

If winter sports are your thing, make sure that your travel insurance covers you specifically for skiing and snowboarding. A normal travel insurance policy will not be sufficient on the slopes and will not be valid for a claim if you injure yourself. It’s worth taking the time to compare travel insurance quotes from sports specialists who deal specifically in winter holidays for the best prices.

Excess charges

When you compare travel insurance you need to have a look at how much excess you will have to pay should you get injured, require medicines, lose your luggage or have your money stolen. Some insurance companies charge as much as £200 for excesses, which is fine for a large medical bill but not so good if you lost your£60 handbag. Excess charges can be as low as £30, which can make a big difference to your claims.

Cover limits

Not only do you need to check the excess limit, your cover limit is essential when you compare travel insurance. No policy worth its salt will have a cover limit of less than £1 million. This should be the absolute minimum, but you can get much higher limits. Again, particularly if you are skiing, a much higher cover limit is recommended, between £3 million and £5 million should be fine.

Don’t rely on EHIC

You need to find a comprehensive travel insurance cover for your travels abroad. Whilst the European Health Insurance Card (EHIC) can help reduce the costs of medical treatments in Europe, the only way to make sure you are going to get adequate medical treatment abroad is to compare travel insurance and get a decent policy.

Kim has 2 years experience in writing articles for Uswitch . She also enjoys writing articles on various other topics

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What Can You Get From Cheap Single Trip Travel Insurance?

Tuesday, July 27th, 2010

Whenever you plan a trip or if you have already booked a vacation package, you should always get separate single trip insurance to protect you against any potential problems during your trip.  When you start looking for cheap single trip travel insurance, be sure to check all the details of the policy.  You have to study what will be covered by the policy, what would be the restrictions as well as the exclusions of the cover, and what is the policy for excesses.

You can get cheap single trip travel insurance for as low as £4.19.  This is usually a basic policy which will cover your medical expenses while you are on a trip.  If you want  more comprehensive coverage, you can get premium plans and the price would not be too expensive.  With a premium plan, you are fully protected for the entire duration of your travel or vacation.  This type of insurance coverage can save you from lots of inconvenience and financial troubles.

Basically, cheap single trip travel insurance will normally cover your medical expenses if an accident happens or you get sick while travelling.  You can also have emergency dental service coverage from single trip travel insurance.  Sometimes your baggage might be delayed or lost but you should not worry because this is usually also covered by the insurance.  Baggage and passport theft is also normally included in cheap single trip travel insurance.  If you are travelling with a child, he or she will also be covered by your policy. 

If you are participating in winter sports such as skiing and snowboarding, you can pay a little extra in order to get coverage while engaging in such activities.  Even your participation in the game of golf can be covered by cheap single trip travel insurance, leaving you to focus more on your game if you know that you are fully protected by insurance coverage.  With such a policy, you will be able to fully enjoy your vacation without worrying about the expenses you have to pay in case an accident happens during your trip.

In case you cut short your travel or vacation, for an insured reason, and decide to go home earlier, you will not be able to get a refund for the unused single trip travel insurance premium.  However, your companion or someone travelling with you can be covered by the policy.  So, you really cannot lose in the bargain because you
ensured that your friend or a loved one can also be protected by your single trip travel insurance.  This is probably the best deal that you can get from a travel insurance company.  You will not only get full protection, you also get full guarantees that your covered claims will be honored even if you cut short your travel.

You can get a lot from single trip travel insurance.  You must ensure that you have a policy that can provide protection for the entire duration of your holiday vacation.  You will definitely enjoy your trip more if you know that covered risks can prevent you from  experiencing financial problems if ever something happens during your trip.

Always get Single Trip Travel Insurance anytime you take a vacation. You can protect yourself with Cheap Single Trip Travel Insurance available on our site.

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Annual Travel Insurance ? is it Enough?

Saturday, July 17th, 2010

In theory an annual travel insurance policy sounds great, you pay a one-off fee and all your journeys are covered for the next 12 months. For most standard journeys this is fine but if you delve deeper into the conditions of your policy you may find the level of cover is not as comprehensive as first appears.

Today people travel for a wide range of reasons and the travel insurance policies available to you have evolved to meet the more varied demand for appropriate cover. The nature of your travel and the activities you have planned upon your arrival now have a huge impact in determining which travel insurance policy is right for you. In this guide we will look at which policies are suitable for certain types of travel.

If you are planning to take a winter holiday you may want to consider taking out winter sports insurance. This form of insurance provides cover for activities such as skiing and snowboarding, covering both injuries and the loss or damage of sports equipment. Fewer than 60 countries have a reciprocal healthcare agreement with the UK and without adequate cover a broken leg in Switzerland could cost you around £25,000.

If your holiday is likely to involve you taking part in adventure activities such as bungee jumping or white-water rafting it would be advisable to take out a form of adventure holiday insurance. Many of these adventure activities may be exempt from a traditional travel insurance policy so failing to take out appropriate cover could mean you facing a hefty bill should something go wrong. When purchasing adventure holiday insurance always ensure your planned activities are covered by the policy.

A backpacking holiday is another activity that can require a specialised policy. Backpackers insurance is a form of long term insurance that can last up to 18 months. Policies also cover you when working abroad which may be necessary when travelling for a long period of time, particularly for students. When taking out backpackers insurance it is essential to check that all the countries you plan to visit are covered by the policy, particularly if you’re travelling to countries where your EHIC card is not valid. Also remember that some third world or war-torn countries may not be covered.

If your work requires you to travel abroad you should consider taking out business insurance. This type of policy can cover business equipment such as laptops and PDAs and business documents. Some policies also cover the travel expenses if you are taken ill and another member of staff has to fly out and take your place. Business insurance also covers you for personal injury and liability, something that insurance provided by your employer may not.

Many standard insurance policies have an upper age limit (usually this is 65). Once you breach this limit travel insurance can become more expensive as you are considered a higher risk. In this situation you should seek insurance from providers who specialise in cheap travel insurance for the over 65s. Regardless of your age if you have any pre-existing medical conditions it is vital to let your insurance company know before buying the insurance. Such a condition is likely to increase the cost of your policy but it’s a small price to pay; if you fail to declare any medical issues your insurance policy is unlikely to cover you and this could result in a large bill for any medical treatment.

As you can see the type of travel insurance you need varies wildly depending on the nature of your journey. In addition to choosing the correct type of policy also remember to check your travel insurance covers all the basics including medical expenses, loss of luggage, money and passports, repatriation costs, cancelled or delayed flights and damage to third parties.

When looking to save money on your travel insurance remember that choosing the correct policy is just as important and a few extra pounds could save you thousands.

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Travel Insurance Tips ? Understand the Limits, Excesses and Exclusions to Avoid Huge Bills and Get the Best Price

Wednesday, July 7th, 2010

Travel insurance is a ‘must’ for anyone going away whether on holiday or for business so it is wise to check that the insurance you take out is relevant to the type of cover you need. The last thing you want is a huge bill after your trip, medical or otherwise, because your policy did not cover you for what you thought.


There are many different areas to take into consideration when you buy travel insurance. If you don’t make sure the travel insurance is right for you, you may not be covered, so follow these simple tips to help ensure you get the right travel insurance for your needs, what to look out for, and how to compare travel insurance prices for when you buy travel insurance.


A standard travel insurance package should normally provide compensation for a range of holiday and travel mishaps such as:


* Cancellation or curtailment of your trip

* Medical emergencies and repatriation

* Loss or damage to personal possessions

* Loss or theft of money

* Personal liability

* Compensation for permanent disability or death


Often these areas of cover can be subject to limits, excesses and exclusions so do check your policy carefully so you know what you may or may not be covered for.


If you are the energetic or adventurous type, check that dangerous activities such as snowboarding, skiing, white water rafting or journeys to remote areas are included in your insurance policy you may need a special type of insurance or an endorsement to cover your needs. Expenses caused by a terrorism event may be excluded or an expensive item of luggage or equipment may need to be insured separately. Some insurers do not cover people over the age of 65 or 70, and if you have any existing medical conditions, these also may not be covered.


It is true that your household insurance will offer cover for personal items and you may be able to remove these from your travel insurance cover to save you money. Also your credit card providers may offer some limited cover. A European Health Insurance Card will entitle you to reduced-cost or sometimes free medical treatment in the European Economic Area countries, but will not normally cover rescue costs or repatriation. If you are travelling for business your employer may offer some travel insurance cover.


So where do you go to find the most suitable travel insurance for you? You can buy travel insurance from many different sources, travel agents, tour operators, banks, the post office, credit card providers or direct from insurance companies. The easiest and quickest method is online and Gatwick travel insurance offers a comprehensive service which is easily accessible.


In short, if you follow these steps, you can be sure that you have the right cover for you and that you have not paid over the odds for this peace of mind.


* Consider what cover you need

* Consider where you are going and what you are going to do

* Take into account the cover you may already have

* Tell your insurer all the relevant facts i.e. your age and any existing medical conditions

* Shop around and compare travel insurance prices

* Check your policy carefully


When you go to buy travel insurance, you want to make sure you have got the right price for the cover you need. One way to do this is to use an online travel insurance Gatwick Airport price checker, where you can compare travel insurance prices online. The best travel insurance Gatwick airport price checker that I have found to compare travel insurance prices is www.gatwickinformation.co.uk. This website also provides lots more information and suggestions as to where to buy travel insurance.


Finally, before you go away on your trip, make sure you take a copy of your policy and a note of the telephone number in a safe place, and of course, take good care of yourself and your belongings whilst you are away.


You can now look forward to your trip safe in the knowledge that you have done everything necessary, and that if anything were to go wrong, you would be fully covered. But of course we all hope it won’t and thankfully the majority of the time it doesn’t but you should always be prepared!

Bethanie Ashley is a frequent traveller keen to pass on time and money saving advice to others. Further useful information such as how to get to the airport, public transport, Gatwick parking, Terminal facilities, Airport security, Airlines, destinations, and for booking and paying for airport lounges, car rental, airport parking, travel insurance and foreign currency, can be found on the Gatwick Information website.

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