Category Archives: Travel Insurance

EHIC and Brexit: Will Your EU Health Insurance Card Still Be Valid?

travel insurance after brexit EHIC

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Unfortunately there is no yes/no answer. Currently, the official line on the .gov website says that if the UK leaves the EU without a deal “your EHIC might not be valid anymore.”

So, what are UK travellers expected to do if travelling to an EU destination after Brexit?

The official recommendation is: “Buy travel insurance that comes with healthcare cover before you travel.”

EHIC Vs Travel Insurance – What’s the difference?

The NHS and the Government have always recommended that travel insurance should be purchased by anyone travelling to an EU country. The new advice is for travellers to make sure that the travel insurance has comprehensive medical cover.

EHIC benefits:

  • An EHIC provides access to state healthcare in your destination EU country either free or at a reduced rate.
  • An EHIC can be used for getting treatment for some existing medical conditions.

An EHIC is not an alternative to travel insurance and should always be used in conjunction with a travel insurance policy.  For example, the EHIC would never cover transport costs to return home in the event of serious illness or injury.

If EHICs become invalid, UK residents will no longer be able to access free or reduced-cost medical treatment in EU countries.

How will comprehensive Travel Insurance help UK travellers after Brexit?

Travel Insurance with comprehensive medical cover provides cover for injury, illness, and repatriation – all of which can be costly.

Did you know? The average cost of medical treatment in Spain is just over £8,000, and in France nearly £11,000. The most common things that require treatment are broken bones, heart conditions and food poisoning.

Travel insurance with healthcare cover, for a premium, can also take into account pre-existing conditions, and risks associated with any activities you may have on your holiday agenda, such as skydiving or bungee jumping.  In addition, travel insurance covers you for things related to travel such as lost or stolen passports, and delayed or cancelled flights.

To find out what kind of travel insurance you might need if your EHIC is no longer valid call our team on 01892 833338. We offer comprehensive options for all single trip travel insurance, multi-trip travel insurance, longstay travel insurance – and on some of our policies kids go free.

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A Quick Guide To Staying Safe Abroad

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Take a quick look at this little list to maximise enjoyment on your next break abroad!

1. Don’t Get Robbed

  • Invest in a slash-proof backpack.
  • Keep valuables locked up in a hotel safe.
  • Or better yet – leave valuables at home unless they are essential for your travel plans.
  • Research travel scams for your destination.
  • Carry a second “fake” wallet or purse.
  • Beware of what you wear, it could be a sign of wealth even if you don’t think it is that valuable or just scream “tourist”, making you way more vulnerable to scammers and opportunistic thieves.
  • Keep your bag attached to you at all times, either with a carabiner or with a strap wrapped around you.

2. Don’t Get Lost

  • Make sure all maps are available offline.
  • Take a hardcopy map in case you lose your ‘phone or it runs out of power.
  • Tell someone your itinerary and keep friends and family updated with travel plans.
  • Pay attention to where you are going!
  • If you are travelling on a package holiday have the helpline number handy.
  • If you aren’t on a package, make sure you have a phrase book to help you ask for directions and/or help.

3. Don’t Forget Your Travel Insurance – it can cover you for:

  • Medical costs in case of illness or injury.
  • Repatriation.
  • Cancelled or missed flights.
  • Lost or stolen passport.
  • Lost or damaged belongings.

At worldwideinsure.com we can tailor a policy to suit your needs and situation – whether that is travelling with expensive equipment, or an existing medical condition, or making sure you are covered for specific activities and excursions.

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4. Don’t Get Injured or ill

  • Pack a first aid kit.
  • Use a filtered water bottle.
  • Check any bottled drinks you are given have not been previously opened.
  • Only eat peelable fruit.
  • Avoid salads, opt for fully cooked food.

5. Be Prepared

  • Write down emergency contact numbers.
  • Have digital copies available somewhere of all essential info such as passport info and travel insurance emergency number.
  • Hide emergency cash in a chap stick/hairbrush/underwear.
  • Learn basic self defence.

Best Places For Backpacking in 2019

Backpacking travel insurance Image by Pexels CC0

Image by Pexels CC0

Here are the top places to head in 2019 with a pack on your back and just enough money in your wallet for a hostel. Idyllic whether you are backpacking for gap year giggles, travelling on a budget, or you just fancied having a wholesome adventure!

Philippines

Seeking adventure? Tick! Seeking tropical beaches, with crystal clear sea? Tick! A unique honeymoon location? Tick! You’ll need to think of things to add to your bucket list after backpacking in the Philippines.

backpacking Philippines Image by my000693 CC0

Image by my000693 CC0

Made up of over 7,000 islands, you’d expect a taste of paradise, adventure and excitement and that’s exactly what you get. Go scuba diving, swim with great white sharks, indulge yourself under the tranquil waterfalls or relax with a beer by a lagoon. It’s also cheap – a pint of beer is about 75p at the going rate.

Iceland

Spectacular, rugged, breath-taking, glacial – it’s hard to describe Iceland within a limited word count. You’ll be able to honestly hashtag #nofilter when you snap the majesty that are the northern lights in all their prancing, dancing, ethereal beauty.

backpacking Iceland travel insurance Image © 43kcreative.com

Image © 43kcreative.com

Hire a car to tour the glaciers and ice fields, bathe in the geothermal springs for a unique getting back to nature experience and take in the local Reykjavik culture, with its charming Nordic nightlife. Be warned Iceland isn’t cheap, but this small island nation packs in more natural beauty per square mile and you get more than what you pay for.

Nepal

Nepal is a mountain nation. Get your head around that for a moment and think what that can offer. You don’t even have to climb a mountain (only recommended with proper guidance) to have a life changing experience in Nepal. Paraglide through the soaring valleys, take a plane ride across the Himalayas, visit temples, national parks and stunning monuments.

backpacking insurance nepal Image by Squirrel_photos CC0

Image by Squirrel_photos CC0

Nepal is a true adventure. If you do choose to trek around Everest, put at least a week aside and go off season – it gets extremely busy. If you’re after an experience that doesn’t require as much extra oxygen, take a trip to one of the national parks and observe tigers in their natural habitat.

Turkey

If you’re looking for a unique backpacking experience at a low, low cost, you can’t beat The Shoestring Cave House in the Cappadocia region. From just £7.00 a night, you can sleep in a cave, relax at the outside pool and even enjoy a ride in a hot air balloon.

backpacking turkey Image by adibalea CC0

Image by adibalea CC0

With views that are going to set your Instagram alight, balmy Turkish evenings and a once in a lifetime opportunity to sleep below the ground, this is a perfect stop off for any backpacker. Be warned, Turkey is politically unstable at the moment and this may not be the time to go. If you’re determined however, the people are some of the most charming on the planet and a joy to share a shisha pipe with.

Worldwideinsure.com Longstay Travel Insurance has been tailored to meet the needs of those on extended breaks and backpacking adventures! It has greater flexibility than standard travel insurance, and you can add activities as you go.

 

The Most Beautiful Towns in Southern France

Southern France offers glorious Mediterranean sunshine, an unrivalled peace and some of the most stunning sights and views on the planet. Here are some of the most gorgeous towns to visit or stay in the South of France.

Gordes (Vaucluse, Provence-Alpes-Côte d’Azur)

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A beautiful hillside town adorned with Romanesque terracotta roofs and winding narrow pathways. Head to Gordes on a Tuesday morning, when the locals open their shutters to sell the locally produced cheese and wine. Nearby is the famous Sénanque Abbey, surrounded by some of the most beautiful lavender fields, tendered by the resident monks.

Lauzerte (Occitanie, Tarn-et-Garonne)

Another hill-top treasure sitting proudly over the Occitanie countryside. During the day visit the idyllically peaceful town square featuring cafes, bars and a quirky piece of pavement art! On Thursday evening in summer, the Marchés Gourmands takes over the square for an evening of food, drink and entertainment and then take in the sunset over the nearby hills.

Carcassonne (Aude, Occitanie)

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This medieval fortress town is Europe’s largest walled city. Famed for its spires, walls and beautiful bridge, be sure to visit in the evening, when these stunning landmarks are lit up.

 

St Tropez (Var, Provence-Alpes-Côte d’Azur)

As famous for the St Tropez sun tan as it is as a destination for the rich and famous. Located on the French Riveria, sample the local historical landmarks, gaze up at the millionaire’s yachts, or just catch some rays on the nearby Pampelonne beach.

Saint-Rémy-de-Provence (Bouches-du-Rhône, Provence-Alpes-Côte d’Azur)

An absolute must for Van Gogh fans everywhere. Saint-Rémy-de-Provenceinspired his ‘Starry Night’ painting. You can visit the Monastery of Saint-Paul de Mausolé, which was once an asylum where Van Gogh was treated. Beyond the art connection, there are winding streets, elegant fountains and an abundance of cafes that you will have come to expect from this sun-drenched part of France.

Rocamadour (Occitanie, Lot)

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Imagine a fantasy French village – and Rocamador is it. Integrated into the hillside, Rocamadour is Instagram ready from every angle! For a unique experience visit the nearby monkey forest, where Barbary macaques (normally found in Gibraltar) roam freely in the woodland or Grotte Préhistorique des Merveilles, with cave art over 20,000 years old.

 

Don’t forget your travel insurance! Even if you are travelling within the EU and you have an EHIC (European Health Insurance Card) it only offers limited protection. You could still be asked to pay towards treatment, and it certainly doesn’t help if your passport gets lost or stolen!

Ten Stress-Busting Travel Tips for Your Next Holiday

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1. Keep calm and plan early. Booking a few months in advance will give you time to research the best deals without panicking that they won’t be there in half an hour.

2. Consider going by boat or train rather than going by plane. Air travel is notoriously stressful and tends to destroy all the loveliness of a holiday on the way home.

3. If you are going by air, stand behind business travellers going through security. They will have packed light, know the drill, and want to be the other side of security swiftly.

4. Do not stand behind families going through security. Lots of stuff, lots of directing children to do the right thing – you could find yourself getting impatient.

5. Sort your home out so it’s nice to come back to. The stress of getting back to reality after an idyllic break will be less if you come back to somewhere clean, tidy, and with food in the cupboards.

6. Use a packing app. You can create multiple lists for all types of trip and some even have templates based on climate, weather, activities and reasons for travelling.

7. Always leave for your destination with PLENTY of time, especially if you are flying. Airport hotels are a wonderful resource for busting “Ahhhhh, I hope I don’t miss my flight!” stress.

8. Embrace a chance to relax. Sitting around and waiting while travelling is inevitable. Rather than getting impatient, get stuck into a book, sketch your surroundings or take some time to journal.

9. Get travel insurance. Should something go wrong – such as losing your luggage, getting your passport stolen, or finding that your airline has gone bust – trying to sort it out without the help of travel insurance is extremely stressful and potentially very expensive.

10. Eat well and stay hydrated! Getting hangry is a real thing, and when you are flitting between time zones or travelling at crazy hours your routine can take a battering. Eating fresh food and drinking plenty is essential.

Insider Secrets: Cruise Liners – Travel Tips from the Experts

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Want to get more bang for your buck on a cruise? Here are our favourite tips for saving money, making the most of hospitality services, and planning where and when to spend your holiday cash on board. We’ve even thrown in some insider insight extras about what it’s really like on a cruise ship!

 

  1. You don’t have to stick to one starter, one main, and one desert in the main dining hall – passengers are free to order whatever dishes they wish from each of the menus, and as much as they want! Nice if you prefer a few starters and a desert over a main meal, or just can’t make your mind up between dishes!

 

  1. Meals in the main dining area are usually planned in advance – ask if you can see the upcoming menu so you know which night you’d rather book a table at one of the other on-board restaurants.

 

  1. Don’t like what’s on the menu? Ask if a different dish is available – ordering off-menu is even possible in the main dining hall.

 

  1. Thrifty travellers will be pleased to know that some cruise liners don’t mind passengers bringing a couple of bottles of wine or champagne on board (although you will have to pay corkage if you plan to have it in an on-board restaurant). There is also a reasonable allowance for non-alcoholic drinks – which can end up saving a few precious pounds.

 

  1. If sea-sickness strikes, room service is usually on hand to help out, no need to try and get to the on-board pharmacy, just give them a call and they’ll come to your room with required remedies. If your cabin is on a higher deck however, you might find you feel less queasy if you head to the middle of a lower deck, where there is less movement.

 

  1. Room service is free on most cruise ships! Bear in mind that this unexpected luxury upgrade may result in a surcharge on food prices at certain times of night, and the person bringing the food will probably be expecting a tip.

 

  1. Talking of tips, the hospitality crew are generally low-paid, and earn their living by delivering a great service rewarded by tips. As such, make sure you pack plenty of “change” suitable for tipping staff.

 

  1. Missed out on free tickets for the big show? Head on down anyway, lots of people who reserve these tickets decide not to go – if there are any seats spare at show time, staff will happily let you in.

 

  1. Pack your own power board – cabins are well known for being sparse when it comes to power outlets, so bring your own power board to make sure you stay charged for the trip.

 

  1. Pick your passes and packages carefully. Whether it is a spa pass, drinks package, or restaurant package – work out what is really included for the price and whether it’s cost effective for what you will actually use. Drinks packages, for example, might mean you have to drink 10 drinks a day, every day of your cruise, even on port days to get value for money.

 

  1. Bear in mind that there are plenty of opportunities on-board for freebies – free pastries with coffee, free soft-serve ice-cream points, complimentary drinks at on-board events, and deals on buying a whole bottle of wine (which will be labelled and saved for you for later). If cheap alcohol is what you are after, get your fill in port before you head back to the ship.

 

  1. Cruise ship insurance is essential – not only will it help you out if you get sick on-board, but should you happen to miss departure (a real risk if you embark on your own port excursions), it could stop your holiday turning into a total disaster! Be warned that buying insurance from the cruise line generally costs more for lower cover – you are better buying from a third-party provider.

 

  1. Somewhere on the ship there is a morgue! Statistics dictate that out of the thousands of passengers who travel on cruise ships 365 days a year, someone will shift their mortal coil during a trip.

 

  1. If you like your privacy… the general rule of thumb is that the lower the deck and the further back on the ship you go, the fewer people will be around.

How To Stay Stylish On A Longstay Adventure

Insider tips on what to pack, and how to wear it, to make sure you don’t look like you’re living out of a backpack on your next longstay adventure.

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  • Choose clothes that are resistant to creasing.
  • Go for dark clothes that are more forgiving when it comes to signs of wear and stains.
  • Resist packing clothes with bold patterns, they are harder to mix and match. Keep the patterns to key pieces, or accessories.
  • Roll your clothes when you pack – not only will it minimise creasing but also you’ll be able to get more items in your backpack!
  • Get a day bag that is on-trend. Just one simple stylish accessory that you can take out day or night while you leave your backpack safely at a hostel or hotel, will make a world of difference to your style status!
  • Pack some accessories that are designed to “transform” an outfit – or even better, pick up key pieces during your travels.
  • Keep comfort in mind – you’ll be clocking up a lot of hours on planes, trains, and buses so comfort is key to your happiness.

PROFESSIONAL STYLIST ADVICE FOR THE LADIES: “Packing can be really tough when you plan to be away for some time, because you don’t want to end up looking scruffy and letting your style down, just because you’re living out of a suitcase/backpack.

My top tip would be to pack a good amount of staple dresses because unlike other wardrobe items, dresses can be styled up and down. You can pair a dress with a cropped jumper and tights for when the weather is a little chilly, or opt for bare legs when the sun is out.”Katie Derrick, of bespoke luxury travel agent AfricaTravel.com.

“Choose clothing that’s versatile, imagine what you’re packing to work as your very own capsule wardrobe. Choose dresses that work both as a dress, and as a skirt, by layering and tying a t-shirt or light-weight knit over the top. Choosing pieces that can be styled in different ways is the easiest way to ensure you aren’t sick of your clothes a week into your trip!” Stylist at Elvi.com

Jumpsuit – it’s great for countries where a conservative look is a must for ladies and it can easily be dressed up or down making it a versatile item in your backpack!

Leggings – Wear on their own or under a dress, or even under shorts – versatile, comfortable, and easy to wear.

Dresses – slip dresses that can be worn with a t-shirt underneath or jumper over the top, are ideal – easily taking your look from day to night with ease. Don’t forget the LBD, easy to wear and can be dressed up for any occasion!

Vests and tees – they take up very little room, are great for layering and can be worn with jumpsuits, dresses, leggings, trousers or shorts.

Flat shoes – ones that you are happy to walk all day in that will also cut the mustard if you decide to treat yourself to a fine dining experience.

Sarong – the holy grail of accessories. Did you know there are at least 30 ways you could use a sarong? It can be a dress, a bag, a skirt, a shawl… pick a classy print and you are done!

PROFESSIONAL STYLIST ADVICE FOR THE GENTS: “Venturing away on a long trip requires packing sensibly, but that shouldn’t mean compromising on fashion. Be sure to pack a practical, stylish and foldable jacket, so that you can prepare for all weather forecasts, while also still looking the part. Pack miniature grooming products, too, including mini shaving foam, scented body wash and moisturiser, to keep you smelling good, as well as looking good during your travels.” Steve Pritchard, of men’s fashion retailer Ben Sherman.

Wondering what such a wonderfully useful jacket could be like? Well,

the classic Ben Sherman Four Pocket Jacket is just the ticket. It’s smart-casual, and it exudes style and class; it’s waterproof, and leaves enough room to layer up with warm and stylish jumpers and t-shirts – essential when venturing somewhere new and travelling to countries with varying weather and climates in one trip.

Don’t forget your travel insurance! Longstay insurance for backpackers from worldwideinsure.com can cover from 3 to 18 months, and it can be renewed if you are still travelling when your policy is coming to an end. Plus, if you have already left home without travel insurance, we can cover that too.

Please note, policies, terms and conditions may change – all information published in this blog pertaining to travel insurance from worldwideinsure.com is only deemed valid at the time of publication.

 

A Gluten-Free Holiday Guide – Advice For Coeliacs

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If you have to watch what you eat for health reasons, going on holiday can throw up a whole host of food-related challenges. This month we are focussed on sharing helpful information for those who can’t eat gluten.

Get location specific advice

Coeliac.org.uk has some excellent country-specific information sheets to help gluten-free holidaymakers ensure their food is safe to eat. This includes information about the cuisine, local coeliac groups and useful phrases you can show to those in charge of your food. For example, when visiting Vietnam:

I suffer from an illness called coeliac disease and have to follow a strict gluten-free diet, or I may become very unwell.
Tôi bị một căn bệnh gọi là bệnh celiac và phải
tuân theo một chế độ ăn không có gluten chặt chẽ, nếu không tôi có thể trở nên rất khó chịu trong người.

Make your dietary needs clear when booking EVERYTHING

Whether it is your flight, a hotel, or a restaurant, state your needs clearly when booking. This not only gives your host more time to ensure your needs can be met, but will also mean you are more likely to get a decent gluten-free meal.

Double check your dietary needs have been understood when you arrive

Remind the person that you booked with that you are the gluten-free individual, or ask to speak to the chef to make sure that your needs have been taken seriously and that you will be served food that won’t make you ill.

Pack essential foods

Things don’t always go to plan, so pack bare essentials you know you can eat. Take your own gluten-free breads and pastas for example, not just snacks. There aren’t many establishments that will deny someone breaking out their own gluten-free bread roll if they aren’t able to cater for their needs.

But do check that you can take them into the country!

Some countries have strict policies on what foods can be brought in. Check with your airline, and also ask your GP to write a cover letter explaining the importance of these foods for your health.

Go to Italy – it is a top gluten-free destination!

Ok, so this is the home of pasta and pizza dishes, so how can it be so good for those who need to avoid gluten? Well, there was a national coeliac screening programme that raised awareness of coeliac disease, and in turn educated a whole country on the importance of gluten-free menus and preparation areas. The Italian Coeliac Society, understanding that gluten based foods are a staple in every Italian household then set about publishing a list of eateries and B&Bs in the country that are certified gluten-free.

Talk to your travel insurance provider

As a coeliac, you must make sure that you tell your travel insurance provider about your condition. As a general rule a customer with a medical condition (or several) can declare their recent medical history and current situation and if the condition is stable and well controlled, not awaiting investigation or treatment, for example surgery, then the condition can be covered.

At Worldwideinsure.com for a condition such as Coeliac, we are able to cover customers with a stable condition, including those with Stomas, provided they haven’t had an unplanned hospital admission in the last 6 months.

For more information please see Travel Insurance Medical Conditions.

Choose self-catering

If you can’t trust what other people might serve you, then you can ease the stress and opt to cook up your own gluten-free cuisine on a self-catering basis. While you’ll have to be patient and shop carefully for ingredients, it is a great way to learn a few new words. Life is made a bit easier if you are holidaying in the EU, as the packaging has to have the same labelling information that we are used to in the UK, where allergens are written in bold.

Opt for a resort

Resorts are more likely to cater for a variety of dietary needs, and are more likely to be familiar with the seriousness of cross-contamination. Another bonus is that they are also more likely to have nutrition sheets where every dish has its ingredients explained in minute detail.

 

*** Please Note ***

Policies, terms and conditions may change – all information published in this blog pertaining to travel insurance from worldwideinsure.com is only deemed valid at the time of publication.

12 Travel Photography Tips You Don’t Want To Miss

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Want to take some Nat-Geo worthy snaps on your next trip? Take a look at these top tips, guaranteed to improve your travel shots!

  1. Get up early. Sunrise is an awesome time, take the time to capture it in your location. An early start also gives you a better chance for capturing well-known landmarks without the masses.
  2. Stay out late. Long exposures of city lights, or of the stars at night sweeping by. Staying up late might also reveal a more decadent side to your destination!
  3. Use a tripod. It’ll give you time to set up your shot, and wait for the ideal light, or opportunity to take a remarkable shot.
  4. Shoot from the hip. A unique perspective, and a fun way to get some candid shots.
  5. Plan an itinerary. Don’t kick yourself for missing a photo opportunity, make a comprehensive list of locations you’d like to shoot.
  6. Let yourself get lost. Some of the best photos come from adventure. See where your journey takes you, there could be untold surprises in store.
  7. Recap the rules of composition. The rule of thirds in particular, it is a fast-track way to get a well-balanced shot.
  8. Try out some unusual framing. Break the composition rules and you may well get a dream shot that no-one else discovered.
  9. Learn to use your manual settings. Adjusting the shutter speed and light levels yourself can lead to a signature style that no one else can steal.
  10. Let yourself free with auto. Even the most basic of cameras nowadays are capable of awesome imagery – let your equipment do the hard work.
  11. Backup your image library. The last thing you want is to lose your pictures – keep them backed up!
  12. Make sure your equipment is covered with travel insurance. You also won’t want to lose your camera. Make sure that any equipment you take on your travels is covered on your insurance policy.