Do I really need travel insurance in EU Countries?

Posted on January 24, 2012 by worldwideinsure

The simple answer is yes. Without travel insurance for EU countries, you could face medical bills even though you hold a European Health Insurance Card (EHIC). Although UK residents with an EHIC can access healthcare in mainland Europe, this is to the same level as local resident of that country – not the same level as is provided by the NHS here. This means that there will usually be a fee to pay – and it certainly does not cover repatriation to the UK if needed.
To give you an idea of what these costs could involve, in September 2011 it was reported that the average cost for falling seriously ill abroad was in excess of £2,000 – but that depends on the country you are in and the nature of your illness. Whilst a heart attack in Greece could incur a medical bill in the region of £12,000, a simple visit to outpatients for a nasty looking insect bite in Spain could set you back £200; and for all you revellers heading to Ibiza – treating a head wound from a fall might see you nearly £500 out of pocket.
When you have the right travel insurance for visiting EU countries, these excess medical fees are waived, so you don’t need to worry about paying for treatment.

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Wintersports and Ski Insurance Advice

Posted on January 23, 2012 by worldwideinsure

If you are weighing up whether or not to take out wintersports or ski insurance, then take a moment to consider what the real cost might be if you don’t. The cost of travel insurance, with wintersports cover is negligible compared to the cost of medical bills abroad should you take a tumble – Imagine being faced with a medical bill of thousands of pounds knowing that for a little over £10 you wouldn’t have had to pay a penny. That is the equivalent of a couple of a post-piste drinks on the slopes.
It is all too common to hear that people have taken a risk, and gone on holiday without some sort of travel insurance, but when it comes to a winter getaway you’d be a fool not to take out ski insurance, which provides cover for a whole host of activities including snowboarding, ice skating and heliskiiing. Let’s face it – these are pastimes where you are more likely to push yourself to the limits and take a risk just for the thrill of it anyway. Our advice is that you make sure that they are the only risks you take on your winter holiday – not the one where you could lose yourself a lot of money by not having the right cover!

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Hiring a car on your holidays?

Posted on September 1, 2011 by worldwideinsure

Holiday car hire gives you the freedom to explore the area at your own pace, but it pays to do some research before you go.  Even a usually confident driver can feel apprehensive about renting a vehicle, especially when driving on the opposite side of the road.

Consider having the vehicle delivered to your holiday home a couple of days into the holiday to give you a chance to settle in first.  Alternatively if collecting from the airport, try to plan the route to your accommodation before leaving home – it is easy to find local maps online to help you to go prepared.

Driving laws can vary from one country to another and small differences, like traffic signals, right of way and rights of pedestrians can cause unnecessary confusion. Again, checking this information online can save trouble later.

Useful points:

  • Check what to do in the event of an accident or breakdown – you may be legally obliged to contact the traffic police before you continue to travel.
  • Insurance is essential – most car hire is subject to an excess charge if the vehicle is damaged or stolen during the rental period.  Buying good car hire excess insurance is a must.
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Florida road trip

Posted on August 23, 2011 by worldwideinsure

We’ve travelled to Florida several times, taking a couple of weeks to drive from Orlando to Miami. This was the first time we were taking both of our children, age 3 and 7. Florida has become synonymous with Disney so many people assumed we were doing a standard theme park holiday, but the state has so much more to offer.

We flew into Orlando, picked up our hire car and took an easy drive to the Wyndham Resort, a lovely hotel with amazing pools, which is also conveniently on the corner of International Drive. We hit Universal Studios for a couple of days and the kids had fun but weren’t bothered about moving on.

Next stop Clearwater Beach, staying at the (relatively) cheap but very pleasant Quality Inn on the Beach. We drove up to Weeki Wachee to see the only live mermaid show in the world – a brilliant mix of 50’s style kitsch and impressive underwater feats by the performers.

On to Bradenton Beach (nr Sarasota), staying at the beautiful Bungalow Beach Resort, which as the name implies, has rooms opening straight onto the powder white sand. The nearby Mote Aquarium has manatees, huge sea turtles and a (dead) giant squid.

In Naples we stayed at the Bellasera Suites in a luxury 2-bed 2-bath condo. Naples feels glamorous and sophisticated and an evening walk down 5th Avenue S is a must, whether or not you eat in one of the many restaurants. We had the most incredible sorbets at Adelheidi’s Organic Sweets.

We drove from Naples to Key Largo down the US41 which runs alongside Everglades National Park, with opportunities to stop along the way for walks or airboat rides. Our last stop, the Hilton Key Largo Resort, is right on the waterfront with incredible views of the sea. Guests benefit from the hotel’s private beach which is partially shaded by trees. Combine this with clear, shallow water for bathing and an array of water sports and it’s pretty impossible not to feel relaxed.

While theme parks have their place, our children have seen wild dolphins, pelicans, sharks, alligators, tarpon etc. They have swum in the sea, seen many birds and insects in the Everglades (and acquired a few mozzie bites on the way). Every time I asked my son what he liked best about the holiday, he replied ‘today’.

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