travel-cover

Things to be aware of when booking travel cover

Booking cover is perhaps one of the most important aspects of planning your trip. We give you an array of options so that you can make the best choice for you and your companions. We take all of your needs into consideration and focus on pre-existing medical conditions so that you can have a safe and healthy journey.

There are some obvious ways to pick a travel insurance plan that is right for you.

If you will be holidaying with your family, then it makes sense to go with the Family plan because it covers your spouse and children.

If you are over 65 and will be taking a trip, then the Over 65s plan is the right choice for you, taking care of your pre-existing conditions and focusing on your well-being.

trekking-147968If you will be backpacking for an extended period of time, then the Backpackers Insurance is a great choice and will give you coverage for up to 18 months. This means you can move freely without worrying about updating your plan or purchasing a new one.
For duration, there are two different plans:

Single Trip Insurance

– This will cover you for a single trip and is ideal for the occasional traveller.

Annual Multi Trip Travel Insurance

– This covers you for all trips taken during a year and is ideal for more frequent holidayer.
There are many things to take into consideration when you are booking cover including:

Medical Expenses
If you have health issues or pre-existing conditions, you need to know that you will be taken care of while away from home. Most of our plans give you coverage for emergency medical expenses, ambulance fees, hospital allowance, and emergency dental treatment. This means that if you have the misfortune of falling ill or having an emergency while abroad, you won’t have to worry about outrageous fees.

Baggage cover
If you’ve ever lost your luggage while on a trip, you will know just how much it ruins your experience. Most of our insurance plans include baggage coverage and this coverage can easily be added to any plan you purchase. In the off chance you do lose your luggage, you will be reimbursed and will be able to purchase new items.

Cancellation cover
You never know what is going to happen while abroad. If you need to cancel your trip or hotel stay, you will be covered for any extra fees. We will also cover you in a case where you have to return home due to an emergency. You can have peace of mind knowing that if things take an unexpected turn, you will be covered financially.

Strike coverage
Sometimes a strike can occur in the airport or destination you are going to. This can hinder your experience and strike coverage will protect you from any extra costs you might have to pay related to your journey.

Dangerous activities coverage
Our Winter Sports Insurance will cover you for skiing and snowboarding, as long as you are on a recognized resort and taking necessary precautions. Other dangerous hobbies including rock climbing or sky diving are normally not covered by our  plans. If you choose to partake in these activities, you are doing so at your own risk.

We do our best to offer you superior coverage so that you can enjoy your trip without the worry of unexpected fees. If you have any more questions or concerns, and would like to be more aware of what our plans cover, then please contact us.

holiday-nightmare

Avoiding that holiday nightmare

Whether you get sick, need to return home quickly, or lose your luggage, taking a holiday can quickly become a nightmare. There are many things you can do in order to stay healthy, safe and happy while making a trip abroad. There is nothing worse than having unexpected circumstances ruin your trip, and you should try to avoid this at all costs.

Tips when on holiday
No matter where you are going, there are things you can do to keep yourself organized, healthy, and safe.

Before leaving:
– Make sure your home will be protected while you are away. Lock the doors and perhaps find a trusted friend or family member who can house sit.
– Research your destination. If you will be visiting a new country for the first time, have some idea of their customs and culture. It is easy to find information online.
– Give a copy of important information to a trusted friend or family member. This can include credit card numbers or a scanned image of your passport. In case you lose these important documents, you can contact your friend and get the passport mailed to you.
– Have a list of telephone numbers with you; don’t rely too much on your cell phone as this can easily be lost.
– Research the current exchange rate for the local currency so that you can avoid being overcharged and will have a better financial understanding.
– Book Travel cover. Use a travel insurance comparison site like ours to find cheap cover and be protected while abroad.

Packing:
– Stay organized. Make sure all of your most essential belongings are where you know they will be. Take important documents and expensive belongings with you in your carry-on luggage to avoid theft.
– Do not over pack. Only bring the essentials. You will most likely buy clothing and souvenirs from your destinations

Air travel:airport-731196_1920
– Arrive at the airport early. There is nothing worse than rushing and almost missing/missing your flight!
– Never leave your luggage unattended; it could be stolen or individuals could slip contraband inside it.
– Keep any confidential/propriety documents out of view from other passengers.

Travelling on the ground:
– Once you’ve arrived at your destination, you need to be safe while accepting ground transportation. Aim to use pre-arranged transportation. Many hotels can also arrange transportation for you.
– Be careful when choosing cabs or buses. Make sure they are marked and ask your hotel which cabs are safe to use.
– When moving, keep windows rolled up and doors locked.

Other tips:
– Be careful with how you carry money. Do not carry large sums with you, and purchase a money pouch that can be worn inside your shirt.
– Do not wear flashy jewelry and clothing.
– Dress modestly, especially if you are a woman.
– Wear purses and satchels slung diagonally across the chest; this lessens the chance of it being snatched.
– Avoid any back alleys, areas you are unfamiliar with, or areas that feel unsafe.
– If you need help or directions, ask a woman with children.
– Stay in well-known chain hotels.
– Never open your door to strangers; identify the visitor before you allow them into your hotel room.
– When leaving your room, put important belongings in a locked suitcase or a safe (if available).
– Never let anyone know what room you are staying in.
– NEVER drink tap water and try to avoid eating too much street food.
More advice on avoiding an unpleasant holiday.

It is important to be wary and cautious when exploring an unknown place. Developing countries in Africa, South Asia and other parts of the world pose serious risks for scams and robberies. Please trust your instincts and make sure you are always aware of your surroundings. Trust only official figures and ask other experienced travellers for advice.

FAQ

Do you have questions about eligibility or the different insurance plans that we offer? Here are some of our most frequently asked questions.

– Who is eligible for coverage?

In order to be eligible for coverage, you must be a permanent resident of Ireland. Non-residents travelling to Ireland, immigrants or foreign students must purchase visitor plans.
– Will my age affect my coverage eligibility?
No. The only thing we would suggest is that those who are over 65 purchase the Over 65’s plan. If you are younger than 65, you do not need to worry about age-oriented plans.

– What do I do if I have a pre-existing medical condition?

Most plans will cover you for pre-existing medical conditions. Normally, this condition needs to be stable for a certain time period in order for you to be covered. Contact us for more information and to make sure you will be covered.

– Is there anything I should know about completing the health questionnaire?

The health questionnaire is designed to help us understand your individual needs and help you pick the right coverage. When answering the questions:
– Make sure you take your time and don’t forget anything important.
– Read each question carefully so that you do not put any incorrect answers (this can lead to the denial of your claim).
– Have any prescriptions and medications nearby so that you can give accurate information about them.
– Review your answers first before submitting.
– If you feel unsure about something, contact your physician.

– Which insurance cover is right for me?

Depending on a number of factors including where in the world you are travelling, how frequently you will be travelling, and your health conditions, you could require specific plans. Please read the details of each insurance plan in order to determine which best suits you.

– When should I purchase travel cover?

You need to purchase coverage before you depart. It is always wise to purchase coverage at the same time you book your flight. This gives you time to make any changes you might need and will allow you to be prepared early on.

– How do I extend my coverage?

If you will be staying longer than you expected, you are able to extend your holiday coverage.

For those who have purchased Single Trip cover, you can extend your policy as long as you are doing it before the expiry date and have not had any emergency medical condition. If it is not possible to extend your policy, you can purchase a new one.

For those who have purchased Annual Multi Trip Travel cover, you may purchase a top-up policy for any additional days you will be travelling. This must be done before the expiry date on your original policy.

For more information about extending coverage, please contact your provider.

– How much will I pay for cover?

That depends on the type of insurance and any added coverage you will be purchasing. We will help you find the cheapest travel insurance.

If you have any other questions or concerns, we will do everything in our power to answer them for you.