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Archive for December, 2011

Why take the risk? Get covered for wintersports.

Wednesday, December 7th, 2011

As British holidaymakers prepare to head for the slopes in 2012, Foreign Office figures reveal that almost a third of people in the UK admit to not taking out travel insurance for their winter sports holidays. In addition, less than one in five people (16%) say they always read the small print of their travel insurance policy before going skiing. The Foreign Office regularly issues warnings to skiers and snowboarders that they risk huge medical bills if they don’t properly cover themselves by taking out travel insurance.  Their data highlights the average cost in Andorra for a leg injury and repatriation to be £6500 rising to a whopping £28,000 for the same injury in Canada.

Everyone appreciates the thrills of Wintersports but not everyone appreciates the dangers that are associated with it. The Ski Club of Great Britain has reported in the past that more than half of British skiers take to the slopes without a ski helmet, despite the risks of sustaining a serious head injury. Head injuries account for almost a quarter of all ski injuries sustained on the slopes. Research in Canada and Sweden has also found that snowboarders are up to four times more likely to have an accident on the slopes than skiers, while men are more likely to get injured than women.

Alarm bells should be ringing here, not just against the rise in the accident rate on the slopes but also that a high number of people are still going abroad without any travel insurance. Whether this is just forgetfulness or a desire to live dangerously, it is shows that many people view travel insurance as an extra expense which can be added or deleted depending on the holiday budget.

But with price of travel insurance premiums, particularly on the internet, being relatively cheap – you can find a week’s Winter Sports cover to Europe for under £10, it does seem to be an unnecessary risk to take. It is not necessary to pay through the nose these days and if you are prepared to surf the net then there some excellent deals to be had.

This article is provided by Travelandinsure.com – specialist in ethical travel insurance.

Travel insurance or EHIC or both?

Friday, December 2nd, 2011

With over 25% of holiday makers not taking out any travel insurance, then one reason often quoted is why do I need it when I already have a European Health Insurance Card, better known as EHIC? Simply put, you need both if you are planning to travel abroad. One does not replace the other.

First of all what is EHIC? The EHIC replaced the old E111 form in 2006 which is no longer valid. Do make sure you get your EHIC before you travel. Application forms are readily available from Post Offices and you can also apply online through the NHS website. EHIC is valid throughout the EU and a number of other countries, namely Switzerland, Iceland, Norway and Liechenstein. Should you be suddenly taken ill or have an accident in any of these countries, then the EHIC will entitle you, in most cases, to free, or at a reduced cost, necessary medical treatment.

Do remember, however, that an EHIC does not cover you for all the medical costs that you can incur or for your repatriation. It is not an alternative to medical insurance and to go abroad without appropriate medical cover, as provided by most travel insurance policies, is probably as close to playing ‘Russian Roulette’ as you can get. As the NHS website points out, “the EHIC is NOT an alternative to travel insurance. It will not cover any private medical healthcare or the cost of things such as mountain rescue in ski resorts, repatriation to the UK or lost or stolen property”.

Furthermore, an EHIC does not cover you outside the areas described and, although the UK has mutual agreements with many countries, these arrangements don’t cover all expenses you can incur. You may have to pay thousands of pounds in medical costs, a prime example is the USA and Canada where medical treatment is expensive and, increasingly, there are many other countries that fall into this category.

So we do recommend that before you travel that you always arrange travel insurance with health cover that is adequate for your destination.

The FCO advises that the level of cover should be at least £1million for Europe or £2million for the rest of the world but most travel insurance policies now offer cover beyond these figures and £5million is becoming quite standard and even higher figures are common. As with all insurances, where health cover is required, there may be restrictions because of a particular medical condition for example, which may result in a higher premium to be paid. At the end of the day though, what you are paying for is ‘peace of mind’ and that is why it is so important to make sure you get cover before you go.

This article is brought to you by Travelandinsure.com – specialist in ethical travel insurance.