Travel Insurance Tips and Tales

Riu Palace Hotel Boa Vista: Sun, Sea, Sand… and Shigella?

Posted on March 31, 2026 by worldwideinsure

Of late the tabloid press has been awash with horror stories of a shigella outbreak tearing its way though some of the Riu hotels in Cape Verde, with a firm focus on the islands of Sal and Boa Vista. With a family holiday on the horizon, we were of course concerned – this is what we experienced when we got there… plus some advice on how to avoid getting ill while you are there!

Beach Bar at Riu Palace © Kerry McCarthy

Staying at Riu Palace

I must start by saying that from the moment we arrived, I felt all of my worries about one of our party getting ill melt away. Riu Palace Boa Vista’s 5-star status is well justified. And spoiler alert – none of our party got ill.

We did go in well informed and well prepared though, whether it would have been a different story without our fly fans for the dining table and our hospital grade sanitiser, who knows? I do think the hotel did everything in their control to minimise the risks for guests though.

There is a whole section below dedicated to the Shigella risk, but first I want to share the high points of our choice of holiday!

Why we chose this holiday destination

We wanted a hot sunny break where we could focus on being together as a family and relax at the same time. Cape Verde is a pretty predictable sunny 25 degrees (plus) all year round and Boa Vista in particular is known as a place to go if you just want to relax to the max.

We were 6 adults and 1 child in total, making the most of the all-inclusive vibe with a variety of activities to choose from.

pool at riu palace boa vista cape verde image

One of three pools to choose form at Riu Palace © Kerry McCarthy

Facilities and things to do at Riu Palace

Boa Vista translates as Beautiful View, and if all you decide to do on your holiday is sit on the beach under a palm tree and stare out to sea you’d be a very happy bunny indeed!

As it is, Riu Palace is a large complex with plenty going on, and you could certainly be here for a couple of weeks and not get bored!

Swimming pools – 3 in total, two with swim-up bars, plenty of space to splash, loads of loungers with parasols, and wonderful views of the beach from them all.
Water park – this was actually in the next hotel along, the adults only option, Riu Karamboa. The two hotels are connected down by the beach and access is easy and the slides were a LOT of fun for kids and adults alike.
Water sports – the hotel offers snorkels and kayaks to guests for free, but the time of year might dictate what you can do. In February the sea was really quite rough.
Beach games – volley ball and other beach-based games were available to guests

Volleyball on the beach © Kerry McCarthy

Activity classes for adults – yoga, zumba, HIIT and other gym class staples were held daily down by the beach.
Activities for kids – one pool was very activity focussed for the kids, and there were also kids club facilities.
Spa – a serene space for a massage and numerous beauty treatments available. I had a massage which was DELIGHTFUL!
Gym – really quite well equipped with bikes, free-weights, benches, and a couple of weights machines.

Sand Dunes in Boa Vista © Kerry McCarthy

Entertainment – evening shows, cabaret, and access to “nightclub” experiences at the hotel next door.
Retail therapy – the shop has a stunning selection of locally crafted trinkets, ornaments and jewellery, plus holiday clothes and gifts to take home.
Excursions – explore the sand dunes, go on a boat trip, visit local towns, hire quad bikes… plenty on offer daily if you book early!

Water Park with a view at neighbouring Karramboa Hotel © Kerry McCarthy

Food and Drink at Riu Palace Boa Vista

The quality of the cocktails seemed to vary by staff member, but there was certainly a wide selection of tipples to choose from and plenty of well-known alcohol brands to choose from!

The wine in our humble opinions was nothing to write home about and we wouldn’t ordinarily class ourselves as having a particularly well-educated palate! Avoid if you know your vino!

The food in the buffet was actually incredible. High quality, tasty, and a huge range of options to choose from.

The only restaurant we ate in (included in the all-inclusive package) was Mitsuki, an oriental-themed eatery that sadly served up plate after plate of disappointment and had an even more disappointingly limited choice when it came to ordering.

Honestly, the buffet experience was so much better, and the quality of service was also better at the buffet that we cancelled our other restaurant bookings based on this experience.

Buffet Delights at Riu Palace Boa Vista Cape Verde image

Buffet Delights at Riu Palace © Kerry McCarthy

Hotel hygiene

It was 5-star standard throughout – in the lobby, spa, restrooms, hotel rooms and pools were kept meticulously clean and I didn’t once spot anything that had been overlooked in terms of cleanliness.

The restaurants, buffets, and bars were also top notch, the food had a high turnover and for the most part was well covered and there were automatic doors to keep flies out from the service area as guests went in and out. There were plenty of hand sanitiser dispensers throughout so even if you didn’t pack your own, the hotel was giving you every opportunity to keep hands clean!

What is shigella and why has it been so hot in the press?

Shigella is a bacteria that can cause a particularly nasty infection (shigellosis) causing severe diarrhoea, sickness, fever and dehydration. It is very easily spread, it doesn’t take much to cause an infection, and in some cases people who have been infected have died as it comes with a whole host of potential complications.

It is these cases, along with particularly high rates of infection at certain hotels and locations, that have been the centre of media attention. Sal and Boa Vista in Cape Verde are two such locations, and the Riu hotels that host holidaymakers on behalf of Tui and First Choice are the centre of attention. You can see what the .gov website has to say about it here.

How to avoid shigellosis

Pretty simple – good hygiene. But it takes two to tango.

Firstly the hotel needs to be notching 5-star cleanliness EVERYWHERE, and the guests also need to make sure they are doing their bit too by thoroughly washing hands after using the loo. Yes, it is a fecal-bourne disease, the sheer thought of catching it is enough to give anyone the chills.

Aside from clean facilities, the hotel needs to make sure that flies are banished, especially wherever a buffet is involved. A few flies on your food that have been in contact with infected faeces is all it might take to catch this nasty bug. But there is only so much a hotel can do.

To minimise risk the following is recommended:

Wash hands after touching shared surfaces
Use hospital grade hand sanitiser where handwashing isn’t practical or possible – such as using items at a buffet
Stick to freshly cooked hot food – flies are much less likely to land on this
Choose foods that have just been laid out, or are under a cloche
Take a fly fan and use it whenever you are dining in the open

Other measures:

Pack some electrolyte/rehydration medication in case you become unwell as the risk to health from dehydration is severe.
Get decent travel insurance as this could easily wipe you out for your whole holiday, and should you have added complications, getting the medical help you might need isn’t as easy as it is in the UK.

Holiday first aid kit

What we loved (and didn’t love) about staying at Riu Palace Boa Vista

It was beautifully laid out, the staff were friendly, the facilities did not disappoint, the buffet food was great and honestly, this is such a fabulous location to “get away from it all”.

The views are just stunning and you can really feel the difference a 5-star experience makes compared to other Riu hotels in the area.

As mentioned the restaurant was really not worth going to, and the reception staff on arrival were not entirely welcoming, but neither of these things were a dealbreaker.

Rui Palace Boa Vista © Kerry McCarthy

Would we stay here again?

In a heartbeat! In fact due to issues with Tui and disrupted travel, (more on that in a separate article!) we had most of our holiday costs refunded and plan to spend it on a return trip as soon as we are able!

Travel Writer Bio

Kerry McCarthy is a Writer and Artist who loves to travel. You can find out more about her adventures over on instagram at @kerrymccarthystars

Family Photo at Sunset in Boa Vista © Kerry McCarthy

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When A Package Holiday Goes Wrong: Can I Claim On Travel Insurance If It Is The Tour Operator’s Fault?

Posted on March 31, 2026 by worldwideinsure

One of the reasons people hesitate getting travel insurance is because tour operators (and travel regulations) offer compensation if a flight, ferry, or train is delayed. So, if you are going to get a payout if the tour operator messes up, then why pay for travel insurance? We cover how travel insurance can top up the compensation even if the tour operator is at fault!

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Sandstorm stops travel – Sal Airport, Cape Verde © Kerry McCarthy

So, why pay for travel insurance if the tour operator will compensate?

Firstly, travel insurance offers so much more protection against all the other things out of your control. Anything from lost, damaged, or stolen luggage, belongings, and passports to medical assistance and even repatriation.

Travel insurance may also offer compensation when the tour operator has already offered their but too. Much of it will depend on your travel insurance provider and the level of cover you have chosen.

Real world example – a recent trip to Boa Vista, Cape Verde

A plane full of expectant holidaymakers were heading out on an all-inclusive break to Boa Vista. Most had booked via Tui, some via First Choice holidays – all had high expectations that they were about to have a restful week (or two) relaxing in the sun after a mere 6 hour flight to Rabil, Boa Vista.

The flight departed from Gatwick airport one grey Tuesday morning in February, but the holidaymakers didn’t land at their chosen destination until midday Thursday morning!

What went wrong?

Tuesday:

On the approach into Rabil a pretty hefty sandstorm made it impossible to land – Boa vista doesn’t have the same bells and whistles as other airports, not even lights for the runway.
The pilot elected to abort the landing – thank fully not as hairy as one might imagine – and we carried on to the neighbouring island Sal where the airport has a bit more tech and the sandstorms don’t hit quite as hard.
After a few hours waiting in Sal airport we had an update that the sandstorm was not abating, and with no rooms available on the island to put us up for the night (it was half term after all, so most places were fully booked) they were going to fly us 2 hours back north to Tenerife and try again the next day to get us on our way.

In transit at Sal Airport © Kerry McCarthy

Wednesday:

We were collected from various hotels we had been dropped off at the night before – more on that below – and dropped off to catch an early afternoon flight.
There aren’t usually flights from Tenerife to Boa Vista so there were problems checking in and getting through security, and passport control wasn’t prepared for a planeload of extra people to process – cue massive queues and the inevitable delays!
The flight lost its slot to take off, the flight was removed from the board, we were ushered away from our gate and told there would be updates.
At around 4pm we were finally told we could board – we got comfy in our seats and then the captain announced that we would not be departing after all. No reasons given.
Back off the plane, and back to being allocated yet another hotel to spend the night in in Teneriffe. Fingers crossed for tomorrow.

Making the most of Tenerife before attempt two © Kerry McCarthy

Thursday

6am pickup from the hotel
On the plane by 10
In Boa Vista by lunchtime clutching a well-deserved cocktail!

What did the tour operators do?

Sadly not a lot. They seemed ill-prepared to have reps on hand, and even less prepared with alternative arrangements.

No food or drink tokens were given out at any point
There was no service on the flight to Tenerife, or back to Boa Vista due to strict service legislations.
It was first come first served to bag a spot at a hotel – some got 5-star penthouse suites, others got 2-star shared accommodation.
Not everyone got a space on a transfer.
Arrival at the temporary hotel the first night was too late to get food.
The following night we were not granted “all inclusive” access.
Those with children were most affected as it was half term so most family-friendly hotels nearby were already full. The adults-only groups fared much better.
The passenger list for the new flights did not have everyone accounted for and there wasn’t a rep in sight to help.
There was no explanation as to why the flight on the Wednesday could not take off once we had boarded the plane.

What kind of things did holidaymakers have to pay for out of their own pocket?

Food & drink – not something you would have budgeted for having already paid for an all-inclusive holiday! For a family of 4 over what was essentially 2 days this is not an insignificant amount – especially when you consider all we had access to was airport food and drink. We were a party of 6 adults and 1 child – and we were grateful to have a credit card to use!
Taxi transfers – so many passengers were left as good as stranded at the airport waiting for a hotel allocation that most took it into their own hands to find a palace to stay. As you would once it hit 10pm and you have babes in arms. This meant footing the bill for a taxi from the airport to a hotel.
Hotel accomodation – those who found their own hotel had to obviously pay for their accommodation. However, even those who were allocated a hotel by Tui or First Choice had to pay a full room deposit upon arrival with the promise that the hotel would refund the next day.
Food and drink for flights – because the flight had not returned to the UK, regulations state that there can be no service on board. The best the crew could offer was to fill water bottles – so more airport food needed for travel.

What compensation was offered?

Everyone on the flight was entitled to the statutory EC261 Flight Delay Compensation – this has nothing to do with the tour operator but at least they did provide a link to fill out the form. Each person was given the maximum compensation of £520.
Tui refunded two days pro-rata for loss of holiday. For us this was £400pp
Tui also gave each booking a holiday voucher worth £150 per person – redeemable against their own holiday packages. No cash alternative and no splitting of vouchers. Not ideal for 3 couples travelling together!
Tui opened up lines of communication for those to make a claim for expenses incurred – they were very heavily restrictive about what could be claimed and by all accounts quite few of the passengers remain heftily out of pocket for food, drink, transfers, and accommodation.

The one thing that could not be compensated for was unexpectedly being in an EU country for 2 days. Travel rules state that UK citizens must not stay in a Schengen area for more than a total of 90 days out of 180. Frequent travellers and those who work abroad could well have exceeded their limit, or found future travel plans impacted by landing in Tenerife as opposed to Boa Vista, which is outside the Schengen area.

What extra compensation could be available from travel insurance?

Delays – even if you have had statutory compensation, you travel insurance may well offer added compensation for your delay – check your policy or give your insurance provider a call.
Expenses – having to pay for unexpected transportation, accommodation, food and drink due to a travel disruption may be covered under an expenses clause in your travel insurance – again, check your policy or give your insurance provider a call.
Bookings and excursions – if a delay meant that you missed out on a pre-paid bookings, tours, or experiences this may also be covered in your travel insurance.

Is it worth making a claim?

Does making a travel insurance claim increase your premium?

Making a claim won’t harm any kind of rating that will affect your insurance premiums. Worst case scenario is that your insurance doesn’t cover what you are trying to claim for; best case, you get additional compensation. Your premiums next time you come to renew will not be impacted by previous claims, successful or otherwise.

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Extreme Day Tripping – The Travel Trend for 2026

Posted on March 2, 2026 by worldwideinsure

While it isn’t quite Around The World In 80 Days, extreme day tripping is a travel trend guaranteed to satisfy your wanderlust. So dust off your passport, or maybe get a bumper-size one, download the app to track your EU travel allowance and get ready to adventure!

Image by JoshuaWoroniecki CC0

What is an extreme day trip?

Put simply, an extreme day trip is a fast-paced, itinerary-packed break where you get the first flight out and the last flight back. The idea is to have a day-long experience of your chosen destination and the magic is in the planning.

Either your express trip overseas will be a sample holiday to know whether you want to go back for deeper cultural immersion, or it is a taster on your travel menu and you’ll feel like you’ve enjoyed what you came for and don’t need any more.

Why are people choosing to do extreme day tripping?

At a time when time and/or money may be limited, extreme day tripping offers the best of both worlds. It doesn’t eat into valuable holiday time, it is perfect for a mid-week escape when flights are cheaper (£30 return anyone?), and in the long run it can help you decide where you want to spend your “big” holiday budget.

It’s also a great way to pack in more destinations given the 90 day EU Travel Allowance

Fun Fact: The UK is perfectly placed for extreme tripping!

To make an extreme day-trip work you need to be within a short flight of your chosen destination. The UK has several airports that are well connected to a whole host of must-visit places in Europe, whether you want to head for sun or snow; city or seaside; mountains or… you get the picture.

Does a day trip abroad count towards the 90-day EU travel allowance?

Yes it does, even if it is just part of a day. So while you can’t cheat your way into having more allowance – you can (in theory) sample 90 different destinations and then choose where to go for an immersive break once your allowance re-sets!

What about travel insurance – does it cover extreme day tripping?

As long as you have the right travel insurance! Day trip insurance provides cover outside of your home country for all the usual things you’d want protected on a longer trip. Lost or stolen luggage, passport, belongings… medical assistance, missed connections, tours or trips… you’ll be glad you have it should things not go to plan!

The best places for an extreme day trip from the UK

So, the best places are locations with a flight time of 2 to 3 hours maximum, to a location where the airport is close to where you want to be, and for budget reasons, destinations with frequent daily flights.

The best UK airports to fly from are Stanstead, Luton & Manchester. Obviously if you aren’t located near one of these then an extreme day trip might need even more planning.

Here are the best places to start when embarking on this new type of travel:

Amsterdam
Paris
Palma de Mallorca
Venice
Milan
Copenhagen
Lisbon

Image by djedi CC0

How to plan for an extreme day trip

There are a whole host of online communities and booking sites dedicated to this travel trend who are actively sharing itineraries and experiences. Here’s what to look for when planning or researching your own trip:

Best airport for shortest travel time, most convenient outbound and inbound flights, and less than 30 minutes from where you plan to spend your day.
Best times of the week/month/year to get convenient but cheap flights.
Locations that tick your interest boxes – whether that is art, culture, cuisine, shopping, sightseeing, rollercoasters, surfing, drinking…
Locations where you can create an optimised route to see all the highlights in as little time as possible.
Choose places where you can pre-book tables, excursions, museum entries etc so you don’t waste time queuing.

Does it feel rushed and is it worth it?

That my fellow traveller depends on you! If you are the high energy type who loves a jam-packed day of sightseeing and exploring, then yes, extreme day-tripping will probably tick your travel boxes. If however you like to relax over a long lunch and take a meander along unknown streets to see what delights there are to discover, then probably not.

Ultimately you need to be someone that is great at researching and planning so you can maximise your time while you are there. You’ll arrive already knowing what route you want to take to see all you want to see, where you will go to eat, and likely what you’ll choose once you are there!

What next?

Get planning! And get your travel insurance – tight schedules can lead to missed connections or flights, which can impact the things you have pre-booked for your day. Travel insurance can help recoup the costs so you can budget for another day.

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Cambodia & Vietnam – Essential Info for Remote Working on a Longstay Adventure

Posted on February 26, 2026 by worldwideinsure

Working online while travelling is the pinnacle of “living the dream” for many professionals that can earn their living with little more than a laptop. And while Thailand used to be the destination of choice, the zeitgeist is choosing a new place to call “home”, find out why, and what you need to know before you pack up and go!

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Longstay Alternatives to Thailand

Thailand has long been the darling of the long-term traveller circuit: stunning beaches, a well-developed tourist sector, and low prices have all made it super-attractive to those planning a sabbatical away from the UK. It has been especially popular among remote workers – i.e. those who only need a laptop and wifi connection to earn a crust.

But remote workers staying in Thailand – alongside general long-term travellers – often struggle to remain in Thailand for more than a few months due to strict visa rules. Additionally, doing “visa runs” into neighbouring countries is often dimly viewed by immigration officials.

Both Cambodia and Vietnam are quick and easy to reach from Thailand. Here’s what you need to know about getting visas and longstay insurance, so you get the most out of your trip.

Please note that if you are 55+ insurance requirements will differ for some visa categories in Cambodia and Vietnam. Retirement visas are available from age 55 in Cambodia, while there is no specific ‘retirement’ visa for Vietnam as yet.

Cambodia

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In terms of visas, for UK citizens, Cambodia is arguably one of the easiest countries on the planet to stay long-term.

Ordinary (E-type) Visa

Get on arrival (or e-visa).
Initially valid for 30 days.
Can be extended inside Cambodia.
Extensions available for 1, 3, 6, or 12 months.
6- and 12-month extensions allow multiple entry.

Importantly:

You don’t need to show large savings.
Retirement, business, or general stay extensions are often straightforward.
Less paperwork compared to Thailand. Visa specialists often do it all for you – you simply hand over your passport and fee!

I’m a remote worker/long term traveller: what should I know?

As far as remote workers are concerned, the rules for undertaking such work in Cambodia are not clearly defined, but many people do work while staying in the country long term.

The long-term E-class extensions (especially EB business extensions) are commonly used by: freelancers, remote workers, online teachers, small business owners etc.

For long-term travellers, or those who simply wish to live in Phnom Penh, Siem Reap or Kampot for a longer period, the visa situation in Cambodia is extremely liberal. It’s often a case of “pay the money, get the visa” (at least for now).

What about longstay travel insurance in Cambodia?

It’s extremely important that you have adequate travel insurance while staying in Cambodia for an extended period (even if it’s not legally required).

Here at Worldwide Insure, our Longstay Travel Insurance policy provides short-term medical coverage of up to 180 days – which is ideal for many remote workers and long term travellers. However, it can also be extended while you’re away if necessary, and if you want to get covered for certain activities, you can add protection as required.

Need even longer term cover? Our Globehopper policy can be taken out for periods of up to three years – and extended while you’re out of your Home Country.

Both Longstay and Globehopper travel insurance policies also cover you for things like missed connections, cancellations, curtailment, lost or stolen baggage – and much more.

What’s medical care like in Cambodia?

Cambodia’s healthcare system is not as well-developed as Thailand’s. Its public care is inexpensive but limited, while private care can be costly. With this in mind, having a suitable long stay insurance policy with medical coverage is critical. Complex procedures may need to be carried out in Thailand or Singapore (which could cost many thousands of dollars without insurance).

Vietnam

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For a UK passport holder, long-term stays in Vietnam are possible but nowhere near as easy or flexible as in Cambodia (and generally more restrictive than Thailand for retirees).

As a UK citizen, you get a free 45-day visa on arrival (visa exemption). You can then apply to get a 90-day visa (single or multiple entry).

I’m a remote worker/long term traveller: what should I know?

If you have remote work – such as online teaching, account management, web development etc., – then in all honesty carrying such work on a 90 day tourist visa is a legally grey area. However, many people do it without issue.

There is currently no ‘digital nomad’ visa for Vietnam.

And if you’re a general long-term traveller, then a 90 day visa can be ideal (assuming you consider 90 days to be “long term”!). However, getting back-to-back 90 day visas may lead to issues (and denial of entry in some cases).

What about longstay travel insurance in Vietnam?

As mentioned, there’s no legal requirement to have travel/health insurance while staying in Vietnam. However, it is highly recommended that adequate travel insurance is taken out.

Worldwide Insure’s Longstay Travel Insurance policy could be the perfect solution: it provides short-term medical coverage of up to 180 days – which is ideally suited to a lot of remote workers and long term travellers.

Better still, it can also be extended while you’re away if required. Add-on cover can be bought for certain higher risk activities like watersports.

If you need longer-term cover, our Globehopper policy can be taken out for periods of up to three years. It can also be extended while you’re out of your Home Country.

Both Longstay and Globehopper policies also cover you for things like cancellations, curtailment, lost or stolen baggage – and much more.

What’s medical care like in Vietnam?

While not up to the high, internationally-comparable standards of Thailand, Vietnam’s healthcare system is rapidly improving. Good private hospitals, widely spoken English in expat clinics, and affordable prices (lower than Thailand), mean you should be able to get the medical attention you need – especially in larger cities like Hanoi, Ho Chi Minh, and Da Nang.

But while minor treatments and check ups are cheap, serious operations can cost the equivalent of thousands of pounds (think evacuation or serious surgery).

With this in mind, getting quality long term travel insurance with medical cover is essential.

Bottom line: Medical care cover and much more

Both Cambodia and Vietnam are unique and rewarding countries to stay long term, whether you’re seeing the sights, or getting a bit of remote work done.

But it’s essential you have adequate travel insurance that covers you for medical eventualities/emergencies, as well as things like cancellations, curtailments, lost or stolen baggage and more (all of which might see you return home early without the right travel insurance).

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My Secret Snowy Escape To Finnish Lapland

Posted on January 21, 2026 by worldwideinsure

With just a week to go before Christmas I headed to the arctic circle for an adventure of a lifetime complete with a total wellness re-balance. Cue serious sub-zero temps, steamy saunas in the arctic tundra, snow sports, spectacular northern lights, and some much needed stretching with a world-class yoga instructor!

Where to stay in Finnish Lapland

This secret escape was in the Yllas region of Finland, almost as far north as you can get. The experience was curated by acclaimed UK wellness retreat provider Reclaim Yourself. So why the secrecy? Well, owner Jools has managed to secure some of the most exclusive accommodations and experiences in incredible destinations around the world – and we wouldn’t want to ruin the surprise for future guests now would we!

Home was a luxury lodge with 10 bedrooms, cosy lounge areas, log burners and of course a dedicated sauna space – luxuriously large and very very hot! The retreat chef, Lucy Charlesworth, was on hand to whip up hearty and wholesome food four times a day and Faye Shekhar delivered a spectacular yoga, breathwork and meditation programme themed around the Pancha Vayus, the five currents of lifeforce in yoga philosophy.

@ Kerry McCarthy

How to get to Yllas, Finland

It is possible to get a direct flight from the UK to Kittilä, but to save a few pennies we split our journey, flying from London Heathrow to Frankfurt, then on to Kittilä on the way there and on the way back our stopover was Munich. All flights were with Lufthansa and overall travel time was 6h, not including the 1h transfer from the airport to our secret escape destination!

kittila airport finland lapland aeroplane image

Kittila Airport © Kerry McCarthy

What is the weather like in Finnish Lapland?

Cold. Very very cold! The lowest it got during our stay was -29°C. At this temperature nose hairs and eyelashes freeze, and you really do need those thermals!

So… what do you pack to stay warm in Lapland?

You need layers. Thermal base layers, comfy clothes to go on top, then out gear on top of that.
Snow boots are a must for adequate insulation – my moon boots were perfect, but someone else had Sorrel Glacier winter boots which feature a reflective lining to retain body temperature. Trust me, you’ll need it – especially if heading out on winter sport adventures.
Thermal socks, or heavy wool socks, because seriously, it is COLD!
Hot hands air activated hand warmers and foot warmers – you’ll need these even with ski gloves, glove liners and glacier-ready boots.
Swim suit – this should probably come top, but every house, lodge, space and place in Finland has a sauna, which is where you’ll really get warm!

Top tip: Also pack t-shirts and light trousers, because it may be cold outside but it’ll be super toasty in your accommodation, log burners blazing and underfloor heat pumping!

What to do in Yllas

Jools has created a retreat that delivers beyond all expectations. Each day, as well as yoga, there was a different arctic adventure to choose from. Here’s what the itinerary looked like.. Even if you aren’t on this retreat, this is a solid itinerary for a week-long stay in Yllas.

Snow shoe adventure

Local guides take you on a three hour journey through the Finnish forest, sharing their deep knowledge of Lapland’s landscape, flora, and fauna, and giving you a chance to spot native wildlife such as white reindeer. On the journey time and space is given to be still in the silence of this arctic wonderland while savouring a traditional warm berry juice.

arctic circle finland snow lapland image

arctic circle sauna adventure! © Kerry McCarthy

Skiing & Snowboarding

Ylläsjärvi ski resort offers some of the longest slopes in Finland, which attracts advanced snow-seekers from all over the world. If you are new to the sport, don’t fear, there is an extensive network of slopes and lifts that offers something for everyone. The views from the peak on a clear day are simply sublime, with the polar light bathing the slope in pastel hues, and once the sun dips there’s plenty of lighting to guide you down to enjoy some apres action after a long day.

Ylläsjärvi ski resort finland lapland arctic circle image

Ylläsjärvi ski resort -29°C! © Kerry McCarthy

Traditional arctic sauna and ice hole dip

On the shore of a Finnish lake, surrounded by panoramic views you’ll find a spacious sauna just waiting to warm you up after a snowy adventure. And in true Finnish style, you’ll be expected to take an icy plunge to cool down before going back in for more. This custom is embedded in Finnish culture; it’s invigorating, boosts circulation, and may well contribute to Finland being top of the happiness index!

arctic circle finland snow ice hole lapland image

ice hole dip © Kerry McCarthy

Husky sledding

This is the number one activity for anyone on this particular Reclaim Yourself adventure! With being a B-Corp, and having ethical adventure at the heart of every retreat it is super important that guests get to enjoy a husky experience that is as kind to the dogs as it is to the environment. This family-run ranch has a spirited pack of affectionate Alaskan Huskies who live for the thrill of the trail through the taiga forest. The trail winds through untouched forest and Europe’s largest wetland, offering spectacular Arctic scenery along the way.

Snow mobiling & arctic wilderness adventures

Choose between an easy track through sublime scenery to hone your snowmobile skills, or a full-day adventure way into the arctic circle where you can stretch those skills to the max!

The full day tour takes you well into the arctic circle, culminating at a frozen lake where a spot of ice fishing is on the agenda before hitting the wood-fired sauna hut. Just like any traditional sauna experience here, there is a hole in the ice so you can take a dip in the lake before heading into the heat again. The day is rounded off with a bowl of Finnish lohikeitto (salmon soup) in a secluded hut before making the 1.5h journey back to base on your snowmobile.

snowmobile arctic circle finland snow lapland image

What to eat and drink in Finland

Finnish lohikeitto (salmon soup) – simple, delicious and hearty
Reindeer and fries – trust me, it works!
Traditional Finnish Karelian pasties – savoury pastry filled with rice or porridge
Karelian hotpot – hearty slow-cooked stew made with chunks of pork, beef or lamb
Pickled herring – tastes better than it sounds and will put hairs on your chest
Finnish cinnamon buns – the Fins are fabulous when it comes to a pastry!
Mintu hot chocolate – Finland’s famed peppermint liqueur in a hot choc
Hot cloudberry juice (shot of vodka optional!) – hot berry juice is served everywhere, try and find the fresh cloudberry juice though, enjoy it warm, and it’s the norm for it to be served with a shot of vodka to, well, keep you extra warm I suppose!

What I loved and didn’t love about Finland

Finnish Lapland is truly magical, the moment I arrived it felt like I was travelling through some sort of fairytale. The polar light makes it look like the sky has been smudged with pink and blue pastel chalks, the deep snow creates a silence that I thought was impossible out in nature, and the vastness of the wilderness is almost unfathomable. The forests are spectacular, the Finnish people are incredibly friendly and an air of laid-back adventure is embedded in the culture.

Finnish Lapland in full glory © Kerry McCarthy

While I expected the sub-zero temps and the many hours of darkness to be difficult to deal with, they were actually part of the spectacular novelty and adventure of it all. It most definitely is a totally different way of life experiencing such extremes!

If I had to pick anything that I was less enamoured by, it’d be the price of food and drink once you are there. Not an issue when you are on a retreat that caters for your every need – FYI, these ones run twice a year – the next one starts 28th Feb 2026 and there is another in December – but definitely something to consider if you were planning to go and self-cater.

Travel Writer Bio

Kerry McCarthy is a Writer and Artist who loves to travel. You can find out more about her adventures over on instagram at @kerrymccarthystars

Kerry McCarthy in Finnish Lapland

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Thailand’s Wild Side: Jomtien & Pattaya Beach Resorts

Posted on December 22, 2025 by worldwideinsure

There’s no denying it: Pattaya has something of “a reputation”. For my part, I had only ever used it to break the long journey to Koh Chang, one of my favourite Thai islands. However, on this occasion I was travelling with a friend who was keen to see what this famous – perhaps in some ways infamous – city was all about.

Pattaya beach resort Thailand CC0

Where to stay in Pattaya & Jomtien

I needed to do a little work while in Pattaya, so I needed a desk, a fast internet connection, and proximity to restaurants – oh yes, and an affordable price. We Residence fit the bill. The large rooms were a little outdated – however at 600 baht (£14) I wasn’t complaining. A big plus was the proximity to Pattaya Central Road, which meant we could hop on a “baht bus” for 10 baht (24p) and get to Beach Road in minutes.

After a few nights in Pattaya – which in many ways was not what we expected – my friend and I felt it was time to move down the coast to Jomtien: a more laid back resort town. Here we stayed in Sorot Darika (750 baht/ £18), a recently refurbished guest house located on one of the many streets (“sois”) that run from the beachside road. The room itself was very modern and comfortable, although the AC unit for the adjacent room seemed to be fixed outside my balcony – which meant my sleep was disturbed by my neighbour turning their cooling system on and off through the night. Sorot Drika was managed by an affable German man, who also owned a hotel in Spain (he said he much preferred Thailand due to the better-behaved tourists!).

After a couple of nights enjoying the more placid environment of Jomtien, and its long, Miami-esque beachfront, we returned to Pattaya (where we’d board a bus to Bangkok the next day). We found affordable rooms in Peter’s House (700 baht/ £16.50). For some reason, my room had a serious over-supply of plug sockets! Otherwise, the guest house was only a short walk from Beach Road and many good places to eat. There was a 7-Eleven next door, too, which made it easy to get my morning coffee – and something called a “Choco-Pie”!

Jomtien & Pattaya Beach Resorts beach image Craig Hindmarsh

What to do in Pattaya

Pattaya is nothing if not surprising. The eye-popping “Walking Street” is perhaps the main draw: a thoroughfare of nightclubs, drinking spots and go-go bars – each of which had very loud and competing sound systems. There were street performers and various funfair-like games. One game involved two (clothed) women sitting above a large bath of water, behind a kind of grill. Tourists would pay to throw rubber balls at a tiny target which, when successfully hit, would cause the women to fall – very suddenly – into the bath. Walking Street was a little over-the-top for my friend and I, and we decided to leave.

Even more “over-the-top” was Soi 6, which we stumbled upon the next evening. We didn’t even manage to get to the end of this daunting street, which is quite unlike anything I’ve ever seen.

Aside from the risque night life, there were many “weed cafes” dotted around the city. This is despite the fact that cannabis is technically illegal in Thailand. The potency of their wares, my friend assured me, was beyond question!

The best thing about Pattaya, arguably, is the food. You can eat everything from Middle Eastern to Indian to Italian cuisine here – as well as some top-notch Thai dishes. There’s also a huge choice of fresh seafood on offer.

The shopping is also very good. Of the 10+ shopping malls, Central World is one of the biggest and most modern. My friend felt that shopping in Pattaya was a lot more convenient than in Bangkok, because so many outlets were concentrated along the Beach Road, unlike the labyrinthine capital where stores were more spread out.

Jomtien

After Pattaya, we were delighted to reach the relative peace and quiet of Jomtien. Although I’ve never been to Miami, this resort town was what I imagine the Floridian ocean-side metropolis might resemble (although, perhaps, considerably safer).

The nightlife here was much more up our street – particularly as regards live music. A case in point is the Country Club, where the friendly band encouraged guests to perform on stage with them. My friend, who recently released his first music video, was up on stage like a shot.

Later that night, as we walked back to our guest house, we came across a very jovial busker, who let my friend give another live performance! There’s no denying, Thailand is a very friendly, welcoming place, even in tourist hot spots like this.

Jomtien & Pattaya Beach Resorts music venue image Craig Hindmarsh

What I loved (and didn’t love) about Pattaya and Jomtien

As mentioned, the choice of food in Pattaya was incredible – and that’s speaking as a vegetarian. One of my favourite finds was Five Star J, where I tried a meat-free Penang-style curry with pleasantly chewy brown rice. Another favourite was Sizzler. This is actually a chain of eateries that specialises in steak. However, they also have a very large all-you-can-eat salad bar, which is 90% vegetarian-friendly. Access to this smorgasbord costs just 199 baht (£4.50), although the staff will try to upsell drinks and main meals.

Normally I would gravitate towards Indian cuisine, but to be honest this seemed a bit over priced compared to other options.

As far as beach relaxation – and nightlife – went, Jomtien certainly had the edge over Pattaya.

Both resorts were very easy to get around, either on foot, or by using the local “baht bus’ – a kind of Hilux vehicle with seating in the back. When you want to get off you simply ring the buzzer.

What about the bad?

While it was certainly interesting to see Pattaya’s legendary nightlife, it was all a little overwhelming for us. Indeed, although we saw a fair number of families on holiday here (mostly from Russia and India), this city might not be considered “family-friendly” by most Brits.

Undeniably unique, the neon lights of Pattaya are worth visiting for a night or two – just so you can say you’ve been there – before moving eastwards towards islands like Koh Chang and Koh Samet.

Jomtien & Pattaya Beach Resorts bar image Craig Hindmarsh

Top Tips for Visiting Pattaya and Jomtien

Reach Pattaya from Bangkok’s Ekamai bus station: Ekamai is the eastern bus station of Bangkok, located along Sukhumvit Road. A single to Pattaya cost just 160 baht (£3.50). These are regular-sized coaches – and are a good option if you get claustrophobic in minivans (as I do).

Take advantage of the ‘baht bus’: These Hilux-based vehicles make it easy to get around, and cost just 24p per trip! Simply raise your arm to flag one down.

Use the grab taxi booking app: If and when you decide to move hotels, or transfer from Pattaya to Jomtien, Grab makes it easy and affordable to get from A to B. As well as regular taxis, you can also book motorbike taxis – if you feel brave!

There are lots of fancy hotels with pools and more: While we stayed in budget-friendly accommodation, it’s worth noting that there are many top-notch hotels with big pools, gyms, and other facilities – available for much less than you’d pay in Europe.

Would I go to Pattaya again?

If only for the huge array of food options and bargain shopping opportunities, I would consider visiting Pattaya again. It makes for an “illuminating” pit stop on the way to the Koh Chang or Koh Samet, and will doubtless contribute to your sense of worldliness!

Writer Bio

Craig enjoys exploring exotic places globally, but has a particular affection for Southeast Asia. From his base in the steamy backwaters of Cambodia, he strikes out in search of adventure, wisdom – and excellent coffee.

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Longstay Travel Insurance for Retiring in Thailand – what do you need to know?

Posted on December 10, 2025 by worldwideinsure

If you are planning to spend your golden years in the sunshine of Thailand, you likely have a to-do list as long as the trip itself. Getting travel insurance is probably on it and we are here to help make choosing the right cover as easy as possible.

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Worried you are too old to get travel insurance?

Many providers don’t offer longstay travel insurance to people over 65 due to increased risks associated with (dare we say) getting older, but forward thinking providers are much more open to providing cover for adventurers in their 70s, 80s and beyond!

Most of our policies cover travellers up to 74yrs, but we have specialist travel policies available with no age restrictions at all. We can cover many pre-existing medical conditions, including long-term stable conditions and ones which have been only recently diagnosed and treated.

Concerned that premiums are high for older travellers?

With higher risk comes higher premiums, especially with a “straight out of the box” type of travel insurance. What you should be looking for is Longstay Travel Insurance for older travellers that can be tailored to meet your needs and your budget.

Can having a serious illness affect getting travel insurance?

With some providers, absolutely it can, but at the risk of blowing our own trumpet, this is where we excel. We even have specialist policies to cover a range of serious illnesses such as cancer, heart conditions, diabetes, and renal failure.

Top Tip: The Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help!

How easy is it to make a claim if I’m on a longstay break and not in the UK?

The short answer is: VERY! Claims with most insurers are handled by telephone and online. Uploading the required documents to an online portal is easy and means the claim can be handled whatever timezone you are in.

All of our policies are backed by a 24/7 multilingual helpline, perfect if you are 7 hours ahead in Thailand! Even if everyone else in the UK is asleep, someone will still be on the end of the line when you need them.

Worst case scenario – what if you die in Thailand?

Whether it is due to an accident or natural causes, this is a topic that is at the forefront of many people who retire overseas. Any good travel insurance will include repatriation back to the UK, the limit of the costs that are covered however will vary. You might also need to consider finding an insurer that offers support for any family members that need to travel in these very difficult circumstances.

Can you switch to Thai local insurance after arriving?

Yes you can, and depending on the length of your stay it might be a legal requirement to do so. Bear in mind that is essential to have an adequate existing travel insurance policy in place already to be able to switch to an approved Thai Insurance provider. You will need to have local insurance in place to meet the extended vis requirements.

Insider Insights: Thai local insurance will cover medical care and access to hospitals but only in Thailand, and the insurance may not cover more complex medical needs or access to specialised hospitals. In short, it won’t cover you if you travel elsewhere and need medical care and it certainly won’t provide cover for the things that come as standard with Longstay Travel Insurance such as cancellations, lost or stolen belongings, missed connections etc. For full protection while away you’ll need longstay travel insurance as well as a local Thai Insurance.

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Give our team a call (+44) 01892 833338 or visit our website to get the information you need to make the right decision about longstay travel insurance. We offer specialised insurance policies that can be tailored to your unique needs, even if you have pre existing medical conditions!

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Bangkok: The Enigmatic Gateway to Southeast Asia

Posted on December 3, 2025 by worldwideinsure

An enigmatic cocktail of ancient Buddhism and Bladerunner-esque modernity, the intriguing Thai capital and its people will never quite be understood by the Western mind – but that, perhaps, is why we love it so much.

Where to stay in Bangkok

For some time before my plane touched down in Suvarnabhumi Airport, I regretted booking a hostel bed: grappling with jetlag is much easier when you have your own room. However, the somewhat inaccurately-named H-District Boutique Poshotel (its a hostel, not a hotel) near bustling Sukhumvit Road, actually offered comfortable, air-conditioned dormitory ‘pods’ which could be shuttered with a kind of concertina door – providing some privacy. And at 500 baht (£12) it was an affordable option.

Aside from price, I chose this establishment for its proximity to two major Bangkok parks: Benchakitti, and Lumphini – both of which afforded pleasant morning walks among wonderfully manicured gardens.

After two days exploring the bright lights of the Sukhumvit area, I moved west and checked into Mitr Inn Mrt Samyot Station – The Grand Palace (850 baht/£20). This hotel was more accurately named, since it was indeed a short stroll from the vast Grand Palace. This area is less touristy than Sukhumvit, and felt more like an authentically Bangkok neighbourhood.

A couple of days later I relocated to the famous Khao San Road area, long a mecca for backpackers. Here I treated myself to a room at the Tara Place Hotel (1,000 baht/£24), a rather more palatial establishment compared to my previous abodes. Aside from the extra comfort, I chose this hotel because some old friends also were staying there. Tara Place is around 10 minutes from Khao San Road and vibrant Rambuttri, so both areas could be enjoyed at a safe distance (the nightlife can get rambunctious, and moreover, loud).

What to do in Bangkok

The Floating Market

I’ve lost count of how many times I’ve been to Bangkok, but in all those visits I’ve never been to the famous Floating Market. That all changed when I started chatting to a wizened Parisian policeman on sabbatical, who was sitting in the garden outside the H-District Boutique Poshotel (see above) one evening. The policeman, after surreptitiously passing me a pre-prepared bottle of gin-and orange (no outside drinks allowed at H-District), explained he had booked a taxi to the Floating Market early the next day, and that I could join him (and split the fare).

Next morning, I found the Frenchman outside the lobby waiting for his taxi: he seemed to have no recollection of the previous evening’s arrangement. Nonetheless, neither he nor his taxi driver had any issue with my joining the excursion. Indeed, the taxi driver seemed very happy – and I soon got the impression that he had arranged not only the transport, but the boat ride itself. My blood pressure started to rise as I realised the taxi driver would be working largely on a commission basis.

An hour and a half later we arrived at the embarkation point, where much haggling took place. I managed to knock 1,000 baht off our tickets (we paid 2,000/£47 each), and the Frenchman and I boarded a long tail boat.

The old wooden vessel, ably manoeuvred by a man who would be considered long past his retirement date in the West, then took us along a series of canals. We stopped at numerous canalside vendors, who tried to sell us everything from paintings to ornaments to T-shirts. The entire canal network seemed to have been engineered solely to relieve tourists of their spending money – but it was pleasant enough, pootling down the waterways in the Thai sunshine (made more pleasant by occasional pit stops for ice-cold Leo beer).

Mae Klong Railway Market (Hoop Rom Market)

As part of the Floating Market excursion, we were later taken by the affable taxi driver to Mae Klong Railway Market. The main event was the arrival of the train from Bangkok, which could only take place once dozens of market stalls had been hurriedly dismantled in order to let the train pass and stop at the station. Again, this was rather touristy, but I did enjoy seeing the commotion on the tracks as the train glided into the station, enveloped as it was by foreigners taking selfies.

A note to the cost-conscious: it’s possible to see the above two attractions more affordably on a bus tour from Bangkok (but you have to share the long tail with half a dozen other visitors).

Sukhumvit Road

To my mind, Sukhumvit Road is the beating heart of Bangkok, and is worth exploring for a day or two. While the area is perhaps best known for its risqué nightlife spots, it, and the many streets (sois) that connect to it, are a dazzling labyrinth of streetside market stalls, shopping malls, and restaurants, enveloped in a metropolis of soaring skyscrapers that would give New York or Tokyo a run for their money.

What I loved (and didn’t love)

Despite the crazy traffic and constant hubbub, I find that Bangkok is actually a very relaxing city to be in. This is partly the cossetting heat, partly the genial locals (who nearly always adhere to the guiding Thai principles of politeness and non-confrontation), and partly because everything is so wallet-friendly. When one can afford to eat out three times a day, and to grab an ice latte without a second thought, one becomes rather relaxed.

I also love the geography of the city, which, at least in my head, is almost impossible to get to grips with. This fuzzy, seemingly shifting layout, lends the metropolis an ungraspable, almost magical quality. The architectural variation, too, is impressive: I recall a taxi ride across town, speeding along flyovers, passing glittering old temples and gleaming commercial towers. Here, ancient traditions and intense consumerism function side-by-side.

Bangkok is also a great place to be vegetarian. I was a big fan of the vegan Khao Soi I had in Veganerie Nana. This dish comprised crispy noodles ensconced in a delicious yellow soup, with gluten-based fake meat, raw diced onion and pickled vegetables. At 195 baht (£4.60) it was pricey by local standards, but was easily the best Khao Soi I’ve ever had.

It’s not easy to pick out a downside to the Thai capital, but if I had to, it would be the Floating Market situation, where I felt I got a little ‘rinsed’ by the taxi driver. With that in mind, if you’re travelling on a budget, be careful what you sign up for (especially after a gin-and-orange!).

Top tips for visiting Bangkok

Download the Grab app: This app works like Uber, enabling you to book affordable taxis. It’s way better than having to haggle with taxi drivers on the street – so make sure you download it before you arrive.

Use the Airport Rail Link (ARL): This connects Suvarnabhumi Airport (BKK) with downtown Bangkok (up to 60 baht/£1.40), with trains running daily from approximately 5:30 AM to midnight. Once in Phaya Thai station, you can get a taxi to your hotel. Alternatively, you can get a taxi from the airport for about 500 baht (£12).

Learn a few words in Thai: “Sawat di kapp/ka” (Hello) and “krap khun kapp/ka” (Thank you) – will help ingratiate yourself with your hosts, and might mean you get a bit of banter going in the local 7-Eleven (as it did with me on one occasion).

Don’t miss the parks: Bangkok is the dictionary definition of ‘concrete jungle’ – but there are some wonderful parks dotted around, both large and small. Consider rising early, grabbing a coffee, and taking a stroll around one of them. Benchakitti is my favourite.

Would I go to Bangkok again?

I think the sprawling Thai capital is the quintessential Southeast Asian city, encapsulating what is arguably the most unique and enigmatic country in the region. The heat, the noise, the food and the people will doubtless have me coming back for more.

Writer Bio

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Don’t Do These Things! 10 Things That Could Invalidate Travel Insurance

Posted on November 28, 2025 by worldwideinsure

The message is simple fellow globetrotters! Look after your stuff, know what you should have in place to travel legally, and don’t get so drunk you scupper your own plans. Travel insurers aren’t here to pick up the pieces if you’ve not done your homework. Read on to find out which things could invalidate a claim if you need to make one.

Koh Tao Thailand by Nick Kenrick CC BY 2.0

1. Being drunk or under the influence

Yep, being on holiday to many (Brits in particular) means starting the holiday with a Weatherspoons pint in the airport. Fun fact though, if anything that requires filing a claim while you are travelling happens while you are under the influence of drink or illegal drugs is likely to be rejected.

2. Undeclared medical conditions

Believe it or not this is the main reason claims get rejected in the UK, especially if the need to claim is related to the medical condition you have not declared! Disclosing pre-existing conditions doesn’t necessarily increase your premium, but it will ensure you have the cover required if you need it. Not declaring can lead to costly medical bills abroad.

At worldwideinsure.com we specialise in providing travel insurance for people with a wide range of existing medical conditions including diabetes, heart conditions, asthma, cancer, renal failure. A chat with our team will ensure you have the right cover to meet your needs without breaking the bank.

3. Not taking care of your “stuff”

Also known as lack of reasonable care of possessions. If you find that your belongings are stolen because you “put them down somewhere” and they were gone when you got back, well that’s on you. This includes leaving your phone by the pool while you go for a dip. The message is clear – look after your stuff!

4. Not having the right vaccinations

This is a lesser known one, but underwriters like travellers to have taken all the precautions they can to not get ill while away. This includes being protected against a range of diseases and illnesses. Check the NHS Travel Vaccination Advice page before you leave – and remember, some vaccinations need to be had within a certain timeframe of travelling – so plan ahead.

5. Incorrect travel documents

This could be a passport that doesn’t have enough time left for the rules of travel to your destination, or it could be that you don’t have the right visa. Either way, the onus again is on you dear traveller to make sure you’ve done all you can to travel legally to your destinations.

6. Doing activities not covered by your insurance

If you plan to paraglide, heliski, or go deep diving in the Mariana Trench then you’ll probably think to let your Travel Insurance provider know that you are partaking in some risky activities that you might need cover for. The truth is, much more common activities like skiing, snowboarding, hiking up high, and mountain biking might need to be added to your insurance policy. If something happens while you are doing an activity that isn’t automatically covered then you will be footing your own medical bills for sure.

At worldwideinsure.com we automatically cover a whole heap of activities but we also have a rather fabulous Wintersports Insurance add-on that covers all the extra-fun stuff that you might like to do while you are away. It covers non-wintersport activities too. Just give us a call before you travel, it’s really quick to set up!

7. Not filing an “incident” with local police

If you have had your belongings stolen or someone has caused you harm you will need a crime reference number or incident number to be able to file for a travel insurance claim. You can only do this if you report the incident to the local authority at the time – usually within 24 hours.

8. Having a poor paperwork trail

Making a claim requires proof of spending in the first place. Make sure you get and file all receipts and invoices related to travel including bookings for activities and tours while you are away. You must also keep all receipts related to any medical treatment you have had to pay for in advance, and any related costs.

9. Buying insurance too late

With most Travel Insurance providers this is an issue, but with worldwideinsure.com you can actually buy Travel Insurance If You Are Already Travelling. It’s not all about us though is it? The rule of thumb is get travel insurance as soon as you have booked your trip, that way you are covered for anything that might happen which would stop you from travelling. Many other providers require that insurance is bought before you get through customs.

While it’s never too late to get travel insurance with us, remember that while you don’t have insurance, you aren’t covered if anything happens!

Call us on 01892833338 or visit our website to get a fuss-free quote to suit you!

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Scottish Highlands – A Scenic Escape Through Mountains and Lochs

Posted on October 30, 2025 by worldwideinsure

Late August in the Scottish Highlands is a magical time. The crowds are starting to thin, the heather is in bloom, and the weather often stays pleasantly warm enough to enjoy long drives and outdoor stops. My fiancé and I set off on a six-day road trip from Oban to Glasgow, with camping, lodges and scenic stops along the way.

Why Scottish Highlands?

I’ve always been drawn to dramatic landscapes, and the Highlands offer some of the most varied scenery in the UK. Driving through rolling grassy hills, heather-filled fields, moorlands, and rocky cliffs is an adventure in itself. With the open road ahead and my fiancé at the wheel, I sat back, enjoyed the ever-changing scenery and captured every moment along the way.

Getting there and where to stay

Driving gives you the flexibility to see remote corners that trains or buses simply can’t reach. While we camped at sites like Bunchrew Caravan Park near Inverness and Thurso Bay Caravan & Camping Park, I’d recommend a camper van over tents — it’s far more comfortable and offers shelter from unexpected Highland showers.

Booking lodges and caravan parks in advance is essential, especially during peak season. We also stayed at Durness Youth Hostel and Inchnadamph Explorer’s Lodge, which were both cosy, convenient and added variety to the trip.

One practical tip: bring as much midge protection as possible — they were very nippy, especially near the lochs and forests!

Things to do in the Scottish Highlands

Driving through the Highlands was the real star of the show. Every bend revealed new scenery: grassy hills giving way to purple heather, rugged moorlands and jagged cliffs with lochs sparkling below. But there were a few must-see stops that made the journey unforgettable:

Chanonry Point – One of the UK’s best spots to see wild dolphins. We were lucky to see many playing in the Moray Firth, just a few metres from the shore.
Whaligoe Steps – A dramatic 365-step staircase down a cliff to a hidden harbour with rugged coastal views. The climb back up definitely tested the legs!
Achmelvich Beach – Often called one of Scotland’s best beaches, with white sands and crystal-clear water perfect for a barefoot wander.
Ullapool – A charming fishing village with a busy harbour and colourful boats. Fresh local seafood is a must here.
Bealach na Bà Pass – A legendary single-track road with hairpin bends and breathtaking summit views over the Applecross Peninsula.

Along the way, I spotted plenty of local treats: fish and chip shops boasting awards (the best I had was near Smoo Cave — a lady in a red truck with perfectly crisp batter and golden chips) and roadside stands selling fresh honey, especially from heather bees.

Sunset by the beach in the Highlands Scotland

Tips for a blissful highland adventure

A camper van makes the journey far more comfortable than a tent
Book campsites, lodges and caravan parks in advance — they fill up quickly
Bring strong midge repellent
Try local fish and chips — you can’t go wrong in the Highlands, but the red Durness Food Spot truck is exceptional
Keep an eye out for fresh honey along the drive

What to love (and not to love) about the Highlands

The Highlands are a feast for the senses: dramatic coastlines, towering mountains, serene lochs and ever-changing landscapes. Driving through it is the main attraction — you never quite know what the next valley or loch will reveal. The pace of life is wonderfully slow, locals are friendly, and the food is hearty.

The only downside? Long driving days are unavoidable, but every mile was worth it for the views, wildlife and unforgettable stops. Scotland in late August is a road trip that ticks all the right boxes.

Get Travel Insurance for UK Holidays

Yes, even staycations need travel insurance! Missed flights, cancelled trains, lost luggage, and injuries that make getting home difficult don’t just happen on holidays abroad.

Get the cover you need for trips anywhere in the world, including right here at home.

Call us on 01892833338 or visit our website.

Travel writer bio

Simran Kabotra fell in love with travel during a four-month backpacking trip through Southeast Asia and has been chasing new adventures ever since. She loves exploring breathtaking landscapes, discovering rich cultures and learning the stories behind every place she visits.

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