You
might assume that if you have breast cancer, that you can't really go
on holiday – maybe a weekend to Cornwall, but a fortnight in the
Caribbean is off the list. Well, that's not true, providing your
cancer and treatment are relatively stable, you can take your two
weeks in the sun. Sure, some holidays might be out of the question –
white water rafting in the Nile, for instance – but a nice,
traditional, holiday is more than possible.
Tuesday, 14 April 2015
Monday, 6 April 2015
Why An Expat Needs Insurance When Returning To The Uk
It is not normally easy to get travel insurance outside UK if you are
already abroad or living there. To
obtain cover you will have to find a specialist insurance company on the
internet.
If you are an ex-pat and plan to travel to
the United Kingdom you would benefit from having medical cover. This may sound strange with the National
Health free at the point of service. However if you have not lived in your own
country for a while you may find that you will be charged should you end up in
hospital.
You would have to have been back for six
months to be eligible to have treatment under the free National Health
Service. I know this because a friend of
mine became ill and they would not treat her because she only had been back for
four months or so to look after her terminally ill sister.
It is especially important to get cover if
you are of advanced age and have a medical condition. Your illness may be well managed by modern
medicines, but a change of climate or diet may put your system out of kilter.
For these kinds of cases there are also
companies that will insure you for your trip, even if you have cancer, diabetes
or heart problems.
Together with this type of cover you may
want to add other bits of insurance such as cancellation, lost luggage or lost
property.
I have been an expat now for 9 years. There are many of us who for one reason or
another choose to move to another sunnier country for financial reasons. Many Britons who moved to Spain are now keen
to move back home because of the dire property crisis. Many assume that they can pick up NHS care as
they have paid their stamp all their lives.
If you have had health issues in the
country you are currently residing and you are covered by insurance there, it
does not automatically mean that you can re-register with a doctor easily. Unfortunately, because so many non-British
travellers come specifically to our country for costly medical procedures, the
loopholes have been stopped.
If you need travel
insurance outside UK please visit our website at Its So Easy Trave Linsurance
Monday, 9 March 2015
Fly Off Without It But Don’t Panic
When you lock the front door and set off on your longed for summer holiday do you suffer from that niggling feeling that you have forgotten something?
By the time you arrive at the airport you may be convinced that you forgot to turn off the oven or didn’t lock the back door. You’re not alone in this; many suffer from this sort of insecurity but there is one important matter that many of us forget and that is travel insurance.
Not having travel insurance is very risky no matter how fit and healthy you feel. If you end up in hospital for any reason at all you will quickly realize it can be an expensive error. In the UK we may moan about the state of the Health Service but not until you have been hit with a bill abroad can you really begin to appreciate it.
A broken finger that involved a trip to a hospital and an x-ray with a nurse applying a small splint and bandage cost my friend over £400 in Turkey recently and that equalled the cost of the return flight.
Even travelling within the EU does not mean health care is free it merely gives you the same service as the people living in that country. The European Health Insurance Card, or EHIC, looks reassuring but it is not necessarily so.
It’s also not going to cover added expenses such as return travel if delayed or loss of personal luggage and private travel insurance is the only way to cover all eventualities out of your control on holiday.
So you are now sitting on the plane running through a checklist of things that could be wrong with your home that might by now in your mind’s eye be going up in flames.You might also be struck by the thought that you forgot to take out holiday insurance for yourself and the rest of your family.
Don’t panic! Travel insurance already left UK is still available from this insurer and all you have to do is call them when you finally arrive at your destination.
By the time you arrive at the airport you may be convinced that you forgot to turn off the oven or didn’t lock the back door. You’re not alone in this; many suffer from this sort of insecurity but there is one important matter that many of us forget and that is travel insurance.
Not having travel insurance is very risky no matter how fit and healthy you feel. If you end up in hospital for any reason at all you will quickly realize it can be an expensive error. In the UK we may moan about the state of the Health Service but not until you have been hit with a bill abroad can you really begin to appreciate it.
A broken finger that involved a trip to a hospital and an x-ray with a nurse applying a small splint and bandage cost my friend over £400 in Turkey recently and that equalled the cost of the return flight.
Even travelling within the EU does not mean health care is free it merely gives you the same service as the people living in that country. The European Health Insurance Card, or EHIC, looks reassuring but it is not necessarily so.
It’s also not going to cover added expenses such as return travel if delayed or loss of personal luggage and private travel insurance is the only way to cover all eventualities out of your control on holiday.
So you are now sitting on the plane running through a checklist of things that could be wrong with your home that might by now in your mind’s eye be going up in flames.You might also be struck by the thought that you forgot to take out holiday insurance for yourself and the rest of your family.
Don’t panic! Travel insurance already left UK is still available from this insurer and all you have to do is call them when you finally arrive at your destination.
Sunday, 8 March 2015
92 And Still On The Slopes
A friend of mine has just set off on a skiing trip and it’s the third time she has been abroad in as many months.
She finds and books flights online and arranges for her house to be looked after in her absence before driving herself to the airport.Although she is a little old to be skiing it’s the après ski she’s after andthe amazing point about this lady is that she is in the 93rd year of her life.
Apart from some deteriorating eyesight she is otherwise as fit as a fiddle and when not gallivanting around the globe has time to manage a turtle rescue center in Turkey.
Keeping very busy must be the key to long life and the next time you see an old folks home you may want to ask yourself the question of whether they wouldn't be a lot better off in the gym rather than sitting in armchairs in front of the television.
One thing my friend always makes sure of is good travel insurance. This may come as a bit of a surprise but fully comprehensive travel insurance over 70, 80 or even 90 years of age is possible as long as you know where to look.
When making the application at this sort of age it is more important than ever to be absolutely truthful about any existing medical condition. If you have high blood pressure it must be reported even if you feel it is under control with medication.
High blood pressure and old age is a deadly mix as tiny blood vessels weaken as we get older and strokes become more likely than when we were younger.
At any age travel insurance should be seen as an essential preparation for an overseas holiday. As UK residents we take it for granted that in any accident or illness that requires a doctor and possibly hospital treatment we will be taken care of with no charge.
Even within Europe this is not the case as a European Health Insurance Card only entitles you to the charges applicable in that country.
She finds and books flights online and arranges for her house to be looked after in her absence before driving herself to the airport.Although she is a little old to be skiing it’s the après ski she’s after andthe amazing point about this lady is that she is in the 93rd year of her life.
Apart from some deteriorating eyesight she is otherwise as fit as a fiddle and when not gallivanting around the globe has time to manage a turtle rescue center in Turkey.
Keeping very busy must be the key to long life and the next time you see an old folks home you may want to ask yourself the question of whether they wouldn't be a lot better off in the gym rather than sitting in armchairs in front of the television.
One thing my friend always makes sure of is good travel insurance. This may come as a bit of a surprise but fully comprehensive travel insurance over 70, 80 or even 90 years of age is possible as long as you know where to look.
When making the application at this sort of age it is more important than ever to be absolutely truthful about any existing medical condition. If you have high blood pressure it must be reported even if you feel it is under control with medication.
High blood pressure and old age is a deadly mix as tiny blood vessels weaken as we get older and strokes become more likely than when we were younger.
At any age travel insurance should be seen as an essential preparation for an overseas holiday. As UK residents we take it for granted that in any accident or illness that requires a doctor and possibly hospital treatment we will be taken care of with no charge.
Even within Europe this is not the case as a European Health Insurance Card only entitles you to the charges applicable in that country.
Thursday, 29 January 2015
Travel Insurance: Why It’s Important to Read the Small Print
Travel insurance is a must if you’re travelling outside of the UK. In some countries, such as the USA, they won’t let you in unless you have adequate insurance cover. However, simply buying a travel insurance policy isn’t the answer; you need to buy the correct cover and the only way to be sure of doing so is to read the small print. Here are the things that you should be reading for:
1.Is there a limit to the length of the insurance? You need to make sure that cover extends to the fill duration of the holiday. These travel insurance companies can be quite tricky. You might think you’re buying a cheap policy, but what you're really buying is a short policy.
2.Do they exclude any pre-existing medical condition? If you have a medical condition, you need to ensure that it is included in the policy. You will probably have to buy medical condition travel insurance. This means talking to the insurer, rather than using a comparison website. The policies that you find on the comparison websites often exclude the medical condition. They allow you to have the insurance, but in the small print is a clause that says they won’t cover you for anything related to that condition. Make sure you buy medical condition travel insurance if you have a medical condition.
3.Are you insured for the country of travel? Some insurers won’t provide insurance for travel to certain destinations. This is usually to places where there is civil unrest, or where they threaten westerners. Make sure that you are covered for the destination to which you’re travelling.
4.Exclusion of certain activities. Some insurers won’t cover you for certain activities. For example, most will have exclusions concerning sky diving, some may exclude scuba diving accidents. Make sure that you are covered for the activities that you know you’re going to be doing.
1.Is there a limit to the length of the insurance? You need to make sure that cover extends to the fill duration of the holiday. These travel insurance companies can be quite tricky. You might think you’re buying a cheap policy, but what you're really buying is a short policy.
2.Do they exclude any pre-existing medical condition? If you have a medical condition, you need to ensure that it is included in the policy. You will probably have to buy medical condition travel insurance. This means talking to the insurer, rather than using a comparison website. The policies that you find on the comparison websites often exclude the medical condition. They allow you to have the insurance, but in the small print is a clause that says they won’t cover you for anything related to that condition. Make sure you buy medical condition travel insurance if you have a medical condition.
3.Are you insured for the country of travel? Some insurers won’t provide insurance for travel to certain destinations. This is usually to places where there is civil unrest, or where they threaten westerners. Make sure that you are covered for the destination to which you’re travelling.
4.Exclusion of certain activities. Some insurers won’t cover you for certain activities. For example, most will have exclusions concerning sky diving, some may exclude scuba diving accidents. Make sure that you are covered for the activities that you know you’re going to be doing.
Tuesday, 27 January 2015
Travel Insurance: Finding the Best Deals
Whether you want a simple policy, or you're looking for something more complex, such as travel insurance outside UK, it’s important that you find the best deal. For some of you, ‘the best deal’ means finding the best price. However, in our opinion, ‘the best deal’ is finding travel insurance that offers a high degree of cover whilst being reasonably priced. Here, we’re going to show you how to find these deals.
How Often Do You Travel?
The first thing that you should think about is how often you’re going to be travelling in the coming year. If you take more than two holidays a year, then it will often be more worthwhile to buy an annual policy. This will save you more money in the long term than buying a separate policy for each trip.
Annual cover policies only become viable once you travel more than two times a year.
What Type of Cover Do You Require?
Do you require standard travel insurance? Or, do you have special requirements? For example, those of you with medical issues will require specialist medical insurance. The type of insurance you need should inform where you buy your policy.
If you simply require standard cover, then you can make use of one of the many comparison websites. They will have the best deals for standard policies.
If you require specialist insurance, such as insurance for medical conditions, or travel insurance outside UK, then it’s better to speak directly with the insurance companies. They will be able to offer a tailored quote that will address all of your requirements. You should speak to several different insurance companies to make sure that you’re receiving a reasonable policy at a good price. You can play them off against each other to get the best deals.
How Often Do You Travel?
The first thing that you should think about is how often you’re going to be travelling in the coming year. If you take more than two holidays a year, then it will often be more worthwhile to buy an annual policy. This will save you more money in the long term than buying a separate policy for each trip.
Annual cover policies only become viable once you travel more than two times a year.
What Type of Cover Do You Require?
Do you require standard travel insurance? Or, do you have special requirements? For example, those of you with medical issues will require specialist medical insurance. The type of insurance you need should inform where you buy your policy.
If you simply require standard cover, then you can make use of one of the many comparison websites. They will have the best deals for standard policies.
If you require specialist insurance, such as insurance for medical conditions, or travel insurance outside UK, then it’s better to speak directly with the insurance companies. They will be able to offer a tailored quote that will address all of your requirements. You should speak to several different insurance companies to make sure that you’re receiving a reasonable policy at a good price. You can play them off against each other to get the best deals.
Monday, 5 January 2015
Easy And Fast Travel Insurance
Most of us book our flight tickets at home online and travel insurance is now just as simple.
If you have tried to buy travel insurance and you are suffering with some serious illness such as cancer there are plenty of unhelpful sites to look at!
This Insurer offers special deals to people that often find it difficult to get a quote elsewhere and in particular those with HIV will appreciate the professional way their enquiry is looked at and generally accepted.
With hands-on experience and a thorough knowledge of the virus and stages of development or control, the Insurer will send a speedy quote for that overseas trip.
You do not need to be a UK citizen to obtain a quote in these circumstances as long as you live somewhere within Europe.
Think about how often you are likely to travel abroad over the next twelve months and if it is more than a couple of times a year it will almost certainly make sense to buy a multiple trip annual travel insurance policy.
It works out a lot cheaper than buying a new policy for individual trips and it also saves time.
It is surprising to discover that many big insurers do not offer online quotes for people over a certain age.
A brief look on the internet reveals many insurers do not have a box to tick for the over 65’s. With this insurer the box can be ticked for over 65, over 70 and even a box for over 80.
This and the special deals on ill people and even terminally ill people makes it a site to remember, especially if you have ageing parents and want to surprise them with a weekend in Paris along with peace of mind travel insurance.
When you hear some of the horror stories of people falling ill in some remote part of the world and the huge financial difficulties they faced without travel insurance it is obvious that no insurance is a risk not worth taking.
If you have tried to buy travel insurance and you are suffering with some serious illness such as cancer there are plenty of unhelpful sites to look at!
This Insurer offers special deals to people that often find it difficult to get a quote elsewhere and in particular those with HIV will appreciate the professional way their enquiry is looked at and generally accepted.
With hands-on experience and a thorough knowledge of the virus and stages of development or control, the Insurer will send a speedy quote for that overseas trip.
You do not need to be a UK citizen to obtain a quote in these circumstances as long as you live somewhere within Europe.
Think about how often you are likely to travel abroad over the next twelve months and if it is more than a couple of times a year it will almost certainly make sense to buy a multiple trip annual travel insurance policy.
It works out a lot cheaper than buying a new policy for individual trips and it also saves time.
It is surprising to discover that many big insurers do not offer online quotes for people over a certain age.
A brief look on the internet reveals many insurers do not have a box to tick for the over 65’s. With this insurer the box can be ticked for over 65, over 70 and even a box for over 80.
This and the special deals on ill people and even terminally ill people makes it a site to remember, especially if you have ageing parents and want to surprise them with a weekend in Paris along with peace of mind travel insurance.
When you hear some of the horror stories of people falling ill in some remote part of the world and the huge financial difficulties they faced without travel insurance it is obvious that no insurance is a risk not worth taking.
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