Current Offers and Opportunities for Travellers: ESSENTIAL: TRAVEL INSURANCE

GET GOOD TRAVEL INSURANCE!

The most important focus of this page is a good travel insurance ,  because I know from several personal experiences just how important travel insurance can be. Please don't mistake me, I also know of other people who have gambled on doing without travel insurance - and come out on top. But for many of them it has cost their families considerable peace of mind, and it's not a gamble I'd willingly take.

TRAVEL INSURANCE

When travelling, medical cover is the most vital reason for buying travel insurance.

After all, missing a flight is merely a matter of moderate amounts money - although most of us prefer to cover that base too!

Fortunately, holidays are usually trouble free! But however much care you take, some things are simply outside your control - like finding yourself the victim of a hit-and-run. Medical emergencies can be unbelievably expensive. In some cases, medical treatment and repatriation couldn't even be paid for by selling your house, so knowing that you can be flown home in the event of a medical emergency (or even death) provides significant reassurance both for you and for family back home.


HEADS UP ON INSURANCE!

You can't usually buy travel insurance after you have left home - you are required to be present in the UK (or wherever you live) at the time of purchasing your travel insurance - so buy your travel insurance before leaving home!
Once your travels have begun, most insurers will refuse to issue travel cover.
Sometimes your insurer will allow you to make additions or extesions to your policy whilst you are travelling - and for many people this is a question they should definately be asking when choosing an insurance policy. You may wish to extend your stay or add/extend cover for an adventure sport - if, for instance, you pass a 'deep diver' scuba qualification and you wish to dive deeper than 30 metres, which is the limit for many adventure sports policies.

(continued below . . . )


My Friend Bill's Story

Bill is very accident prone, even at home. In Egypt h e had a gory close encounter with a ca. . .

(continue reading . . . )


Disclaimer:
Information on this page comes from journalistic research or as a result of my own experience (as a traveller in Europe, Asia and Africa) - not as a qualified insurance adviser (which I'm not)! Please check any policy fits your own situation.


TIPS FOR INSURING YOUR TRIP
Have a happy holiday & get home safely!

Prepare Before you Leave Home

  1. ASK QUESTIONS

    Ask questions of your insurance agent before you purchase. Egypt: offers for travellers  - Flexi-Cover Direct Travel Insurance

    If in doubt, put the responsibility squarely on to the insurer, by asking "Is there anything else I should ask you about?" It may mean a phone call or two now, even if you intend buying online later. Note down the name of the adviser, any reference numbers, the date and time, the phone number you used, and what they said.

  2. ANSWER ALL QUESTIONS ACCURATELY

  3. DIFFICULTIES / EXCLUSIONS

    You could run into difficulties if:
    You've been travelling for the last three years - you may not have the necessary residential qualifications..
    You have a disallowed medical condition (you must declare all)
    You may be called home to a close relative who is already unwell.

  4. DON'T DISQUALIFY YOURSELF

    Read the small print. Comply with the requiremens of the policy. For example, if you require medication, you must take it with you, otherwise you could invalidate the medical section of your insurance. There are many other conditions too . . .

  5. Travel Insurance IS THE POLICY FLEXIBLE?

    A flexible insurance policy lets you make changes to your policy during travel. If you are going to Luxor, for example, you won't need scuba diving cover, and it could be unnecessarily expensive to add it just on the off-chance. But for a 'spur of the moment' trip to the Red Sea, you may need it.

  6. EXCESS WAIVER

    Allow for excesses when comparing insurance prices.

    Are there multiple excesses on your policy? If you are mugged, you could land up in hospital, having had your wallet, passport and camera stolen. If you claim under several sections of your policy, and a separate excess is applied to each, it soon mounts up. (OK, such a violent scenario may be a pretty unlikely scenario for Egypt, but you get the picture.)

    'Budget' policies may not allow you to 'waive' the excesses.

  7. CHECK WHICH HOSPITAL TO USE - AND OTHER EMERGENCY INSTRUCTIONS - IN ADVANCE!

    Don't wait until an emergency happens. In many countries, including Egypt, if you need emergency hospital treatment you must make sure you are taken to an international hospital, not the one used by the locals.

    Read the story of my friend Bill (actually, I've changed the name to protect his privacy . . .)

HAVE ACCIDENTS, WILL TRAVEL!
My Friend Bill's Story (. . . cont'd)

Bill is very accident prone, even at home.

In Egypt he had a gory close encounter with a carelessly discarded bag of broken glass. He was bleeding frighteningly fast - so a friendly Egyptian riding a motorbike raced him to the nearest Egyptian hospital - a 'local' hospital (and probably the only one he knew of), even though Bill's travel insurance entitled him to use the 'International Hospital'.

The doctor kept him waiting - he didn't want to interrupt his break. There was no anaesthetic. The most sterile object in the room was the newspaper they stuffed into the bucket to catch the pouring blood. The 'wool and blunt needle' which they used to stitch him together may have been reported with a degree of prejudice, but there's no doubt that local people receive the thin end of the wedge, medically speaking, in Egypt (and many other places). The 'hospital' (not the word Bill used to describe it) was definately filthy and ill equipped. Bill decided not to return to have his stitches removed - he did it himself.

However, the local doctor probably saved his life, given the nature of the emergency, and Bill escaped without any life threatening complications.


IS THERE A LESSON HERE FOR TRAVELLERS?

Yup! Plan ahead by reading the small print in your travel insurance policy. In some cases the insurance company won't re-imburse your expenses at all, unless you - or someone on your behalf - has phoned to check that they are using an approved treatment centre before any treatment is administered. Check the instructions - in advance! For the least developed countries you may even need to take your own needles, syringes and IV equipment, for use at the hospital.


Be Prepared During Your Holiday:

  1. GET THE BENEFIT!

    Remember to use the medical cover if the need arises! Sometimes it's tempting to skimp on medical treatment, or perhaps to go to a cheap local 'doctor'. But cutting corners can make it harder to claim help later, if the problem gets worse. Go to an approved treatment center in the first place - it won't cost you any more if you have taken out an excess waiver (see point 6).

  2. KEEP THE EMERGENCY PHONE NUMBER HANDY

    Carry the policy number and emergency telephone number with you all the time - make a credit card sized note to keep in your wallet if the insurance company don't provide something similar.

  3. CARRY YOUR INSURANCE DOCUMENTS!

    You will need to prove you are insured when you get to the hospital, doctor or medical centre. Some hospitals may withold treatment until they have checked your documents.

  4. TELL YOUR TRAVELLING COMPANIONS!

    Tell the people you are travelling with that you have insurance, and where to find it, so that they can take appropriate action to help you if you are unconscious or unable to communicate.

  5. PLAY FAIR

    Don't try to add extra cover after you have had an 'incident' which you would like to claim for — you won't get away with it, and it's fraud.

Travel Insurance

HEADS UP ON INSURANCE! (. . . cont'd)

'AUTOMATIC' travel insurance deals (such as that offered with bank accounts) is usually severely limited, and may actually be invalid, depending on your circumstances. Insurance for travel bought on your credit card is normally limited to incidents occuring whilst you are actually in the air, not medical, legal or other emergencies. Usually they cannot provide travel insurance for pre-existing medical conditions either.

AIRLINE FAILURE: Specific, separate insurance to cover airline failure is available - and can be especially useful these days, as airline failure is usually has an exclusion clause in travel insurance policies.

LAST MINUTE TRAVEL INSURANCE calls for an insurer who works out of hours - which usually means using an online travel insurance scheme. Check they will allow you to make do with the policy number and emergency phone number stashed in your wallet, rather than insisting you must carry paper documents with you, if they can't get the documents to you in time.

SPECIALIST TRAVEL INSURANCE
Over 65's may need a specialist travel insurance - but if some specialists who you'd think would be geared up to providing a good service to their target market actually charge excessive rates, so be sure to ask the mainstream insurers for quotes too.
Pre-existing medical conditions will have to be declared. You may require a specialist travel insurance , but sometimes travel insurers offer to insure you, except for your medical condition (your medical condition is listed as an 'exclusion'). Only you can decide if this is wise, but make sure you fully understand what cover is on offer.
'Adventurous Activities Insurance' - Scuba Diving, skydiving, skiing (and probably some activities that don't start with 'S') can all be covered.
'Cruise insurance' could be hand if you do a Nile Cruise.
Family insurance policies, Gap Year travel insurance, backpacking insurance, working holidays insurance - you can cover yourself for almost any kind of travel if you look in the right places.

GAP YEAR TRAVEL INSURANCE Specialist Insurance

Worked and saved so you can travel on your gap year? Don't gamble it away or freak out your parents - get specialist gap year travel insurance

Check you are buying a policy which can cope with the needs of Gap Year travel if you will be working or studying abroad. You probably also want to be automatically covered for sports and activities, including adventure sports / activities (scuba diving, voluntary work, farming holidays etc.).

Some policies will cover certain types of work whilst you are abroad - bar and restaurant work, clerical work, fruit/vegetable picking and voluntary work, for instance.

A flexible policy which allows you to return home for short periods without invalidating your policy is useful. If you will be studying abroad you may also need cover which can be upgraded to include cover for computer equipment and course fees.
Also see other Travel Insurance Offers on this page.
Egypt: offers for travellers - Gap Year Travel  insurance GAP YEAR TRAVEL INSURANCE Specialist Insurance

Egypt: offers for travellers  - Flexi-Cover Direct Travel Insurance NEWS: From Flexicover Direct

Flexicover Direct have changed their underwriters, with the following policy changes:

No Age Limit for Single Trip Customers, but no change to age limits on other policies.
New: Extended Kennel & Cattery Fees cover. All policies now cover additional kennel or cattery fees if return home is delayed due to injury, illness or disease of the family pet.
New! Excursion cover! Cancellation or curtailment charges now cover excursions up to £250.
New: Missed departure now covered on the return journey.
New: Travel delay and Missed departure provide cover for traffic congestion.
Important: Scheduled Airline Failure Insurance (SAFI) is no longer included on Flexicover Direct policies.

If you haven't found what you need on this page, here are some travel insurance web search ideas to help you find a more suitable travel insurance cover (or low cost travel insurance, backpacker travel insurance, annual business travel insurance or whatever . . .

Variations on 'DIRECT' travel insurance

Buying your travel insurance direct is popular as a way of saving money - the insurance deas offered to you by a holiday package company are often more expensive - and sometimes just plain unsuitable - for instance if you have a medical problem.

  • direct travel insurance uk (or US, AU or whatever country you come from)
  • direct travel insurance

Variations on 'COMPARING' travel insurance

Travel insurance supermarkets and comparison websites are a popular way of shopping around for travel insurance - there are some very reputable ones.

  • Travel insurance supermarket
  • Best Buy Travel Insurance

Variations on 'LAST MINUTE' travel insurance

  • Instant Travel Insurance
  • Last Minute Travel Insurance

Variations on 'BACKPACKER' travel insurance

Backpacker travel insurance may include more adventurous activities than standard travel insurance - and usually lets you stay away for longer at a stretch.

  • Backpacker Travel Insurance
  • Travel Insurance Backpacker Compare
  • Best Backpacker Travel Insurance
  • Long Term Travel Insurance
  • Travel Insurance Backpacking
  • Backpackers Travel Insurance
  • Working Travel Insurance

Variations on 'CHEAP' travel insurance

Alarm bells need not ring at the word ' cheap' - but check the reputation of the uderwriters and the small print on your policy.

  • Cheap Travel Medical Insurance
  • Cheap Travel Medical Insurance / Cheap Holiday Insurance

Variations on 'STUDENT' travel insurance

  • International Student Travel Insurance
  • Student Travel Insurance
  • Student Travel Services
  • Student Travel Services
  • Travel Insurance Student Discount
  • Travel Insurance Student Flights
  • Cheap Travel Insurance Student

Variations on 'BUSINESS' travel insurance

If you travel on business you need an apporpriate policy. Try these terms:

  • Business travel insurance
    Business Travel Insurance Comparison
    Business Travel Insurance Uk
    Business Travel Insurance Reviews

Variations on 'INTERNATIONAL' travel insurance

  • International Travel Medical Insurance

Variations on GENERAL travel insurance

  • Travel Health Insurance / Travel Medical Insurance
  • Vacation Travel Insurance
  • Travel Insurance Reviews
  • Health Insurance Abroad
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