Posts tagged: travel tips

5 things to remember when buying travel insurance over 65

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By , June 29, 2012 11:16 am

Getting the right travel insurance for your holiday is very important otherwise you could find yourself facing large bills if things go wrong abroad.

Here are our top 5 things to remember when buying travel insurance over 65.

1. Declare any pre-existing medical conditions

When you buy travel insurance over 65 it’s important to declare any pre-existing medical conditions that you have, this will ensure that they are properly covered by your travel insurance.

If you don’t declare a medical condition when you buy travel insurance over 65 you could find that you are not covered for emergency medical treatment when you are away.

Any medical condition that you have received treatment for, or seen a GP or hospital doctor about in the last 2 years needs to be declared, including conditions that are under control such as high blood pressure or conditions from which you have recovered but have still attended a follow-up appointment for in the last 2 years, such as cancer.

2. Get your holiday dates right when buying travel insurance over 65

It’s very important to get your holiday dates right when you are buying travel insurance over 65, especially if you have a night flight on your return journey.

Your travel insurance could be void if it doesn’t cover the entire time that you are outside of the UK, so if your flight departs late at night but doesn’t arrive back into the UK until the early hours of the following morning, make sure that your travel insurance covers you until the morning arrive home.

3. Get the right travel insurance cover your holiday destinations

This may sound simple but it is easy to make a mistake, particularly if you are travelling to more than one country, for example on a cruise, or if you are flying long-haul and you have a stopover on route.

The reason you need to be careful is that travel insurance cover for different countries can vary in price dramatically due to the difference in cost of a British national obtaining medical treatment in that country. If you are only insured for travelling to France, but you need medical treatment in Spain you would find that you are not covered.

You need to make sure that your travel insurance over 65 will cover you for medical treatment in every country you are visiting. Some worldwide travel insurance policies exclude the USA, Canada and the Caribbean; this keeps the cost down if you are not going to any of these countries. If you are flying to Australia via Singapore then this policy would be fine, but if you are flying to Australia via the USA, you would need to buy a worldwide travel insurance over 65 policy which includes cover the USA, Canada and the Caribbean. Even if you are only there for a few days or a few hours, it’s important to have the right travel insurance cover in place.

4. Think about the start of annual travel insurance over 65

To get the most benefit from the cancellation cover included in your annual travel insurance over 65 you should start the cover immediately, especially if you already have a holiday booked. If you don’t start the cover on an annual travel insurance policy until the start date of your next holiday you won’t have any cover for cancellation.

5. Check the details of your travel insurance carefully

Last, but not least, once you have bought your travel insurance over 65, spend a bit of time checking that all the details are correct – including your names, travel dates and details of any medical conditions that you have declared.

It is important that all details on your travel insurance policy are correct – if they aren’t contact your insurer immediately otherwise your travel insurance over 65 could be void.

Travel tips: Will that souvenir result in a prison sentence?

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By , November 9, 2011 9:45 am

Just because they sell it at the airport, doesn’t mean that you’re allowed to bring it home.

Our latest travel tip is prompted by a warning issued by the Foreign Office and Commonwealth Office (FCO) recently:  Although whale meat is freely available for sale in souvenir packs at Iceland’s Keflavik airport, you shouldn’t be tempted to bring some home.

The FCO said “Whale meat is available in Iceland, but tourists should be aware that its importation into the UK/EU is illegal under the Convention on International Trade in Endangered Species. Any importation of whale meat to the UK will result in seizure of goods, possibly a fine of up to £5000 and a custodial sentence”.

When you travel overseas, especially outside of the EU, you need to be careful when buying souvenirs and bringing your purchases home. Do not assume that you can bring anything you like back into the country.

As illustrated above it is illegal to bring back souvenirs made from endangered species, which are not just limited to animal products. Some plants, such as orchids are also on the endangered species list and therefore it is illegal to bring them back into the UK.

There may be amazing orchids on sale in Bangkok airport, but if you buy one it is likely to be confiscated when you arrive back home and you could get fined.  Don’t just assume that because they are selling it to departing tourists at the airport that it is legal for you to bring it home.

Other than things on the endangered species list other items you need to be careful of are alcohol and tabacco, dairy or meat products and plant products.

Generally speaking, if items are for your own personal use, you can bring back anything you like from within the EU, it is when you have travelled to countries outside of the EU that you need to be more aware of the rules.

You are prohibited from bringing in any meat or dairy products from most countries outside the EU, and the majority of fruits, vegetables, seeds and bulbs are subject to weight or quantity restrictions. Some plants and plant products (including potatoes) and loose soil may not be brought into the UK unless you have obtained the relevant licence.

In short, if you’ve been to a country outside of the EU it’s best to steer clear of any food or plant products and limit yourself to one litre of spirits and 200 cigarettes.

Check the Home Office or Directgov websites for a detailed guide on which food and plants you can and can’t bring back to the UK.

Taking medication abroad – tips for holiday makers over 65 with medical conditions

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By , October 20, 2011 3:53 pm

If you are over 65 and travelling with medical conditions, the first thing you need to do think about, once you’ve booked your holiday, is buying travel insurance over 65 that includes cover for your medical conditions and also cover for loss of your medication.

Medication pills blister 2

taking medication abroad - travel insurance over 65 with medical conditions

 

Then, before you actually travel have a think about what medication you need to take with you and how you are going to carry it.

For instance, you might be concerned that airport security measures, such as restrictions on liquids, will prevent you from taking your medication in your hand luggage when you fly. If you plan ahead, this needn’t be a worry – so long as your medication is accompanied by the relevant documentation you are entitled to take it into the cabin of the aircraft with you.

Our tips for taking medication abroad:

  •  Buy travel insurance over 65 that includes cover for loss of medication. Replacing lost medication when you’re away could be costly.
  • Make sure you take enough medication to last your whole trip and any spares in case of emergencies; you might need to visit your doctor for extra supplies before you travel if your trip is a long one.
  • Keep all your medication in your hand luggage and keep it with you at all times. Don’t put it in your checked-in luggage in case it gets lost during the flight.
  •  Be prepared to be questioned about your medication when you are going through airport security. Don’t worry it, if you do get questioned, its standard practice.
  • Get a letter from your doctor outlining your entitlement to the medication and what the medication is for, and carry it with you when you are travelling – you may need to show this at airport security.
  • Keep your medication in its proper packaging, so the relevant authorities can see what it is, and note down the name of it in case you need to purchase more while you are away. If you lose your medication whilst you are away it may be covered on your travel insurance over 65.
  • Be aware that your medication might be illegal in some countries. Visit the travel section of the Foreign and Commonwealth Office website for details or contact the embassy of the country you are planning to visit.
  • There is a limit to the quantity of controlled drugs that you can carry with you abroad. If you need to take more than the authorised amount, you will need to contact the Home Office to apply for a licence. To find out if your medication is a controlled drug, visit www.hmrc.gov.uk
  • Consider how hot or cold the climate is in the country you are travelling to and how it might affect your medication.
  • If you’re travelling to a hot country and you’re diabetic, take a cool bag with you to store your insulin in.
  • Find out what your medication is called in the country you are travelling to so that you know what to ask for if you need to buy more. Your medication might have a different name in other countries.
  • Your local pharmacy might have a leaflet about taking medication to foreign countries – next time you’re in there ask for details.

When you are over 65 with medical conditions your medication can be an important part of your daily life at home, and it’s just as important when you go on holiday – it pays to be prepared so that you can relax and enjoy your holiday.

Buy travel insurance over 65 with cover for your medical conditions and loss of medication, if you are unsure of anything regarding taking your medication abroad talk to your doctor or your pharmacist.

Travel tips: Visiting Friends and Family Abroad

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By , October 17, 2011 1:31 pm

Whatever age you retire, 55, 65 or older, the change in lifestyle should give you more time to spend with family and friends, and if you’re lucky, that might involve a trip abroad.

Although visiting friends and family abroad can be like going to a second home, you should still treat your trip abroad like any other – including buying travel insurance over 65.

If you used to live in the country you are visiting, or if you have been there several times, you might think that you know it all and not prepare for your trip as thoroughly as you would if you were going to a country for the first time, but there are still things you should remember.

If have dual nationality, the British government will only be able to help you in certain situations, and it could even affect your travel insurance.
The Foreign and Commonwealth Office has provided the following tips to keep in mind when you’re visiting friends and family abroad.

• Buy travel insurance and find out if your cover is affected if you are a dual national. Your family or friends can offer support if you become ill or have an accident, but they won’t want to foot the bill. Make sure you have appropriate travel insurance over 65 in place.
• If you decide you want to extend your stay, check the maximum duration trip that your travel insurance will cover you for. You may be able to extend your travel insurance policy, but there is usually a maximum number of days that a policy will provide cover for. If your trip extends beyond this you will not be covered.
• Check that your passport is valid for the entire duration of your trip, particularly if you stay will be a long one. In some countries your passport needs to be valid for six months beyond your return date.
• Take a copy of your passport and travel documents with you.
• If you have dual nationality, there might be benefits to travelling on one of your passports, but not the other.
• Visit your doctor to ask about vaccinations. If you’ve been visiting a country for years, it might be that some of your vaccinations need to be renewed
• If you’re visiting a country that is prone to malaria, take antimalarials. If you’ve lived there before, it doesn’t make you immune to the disease
• Visit the FCO’s Travel Advice by Country page – the situation in the country may have changed since the last time you were there.
• When you visit friends and family, you might want to take presents or bring souvenirs home with you. Find out what you are allowed to take with you and what you can bring back to the UK. Remember, meat and dairy products cannot be brought back into the UK.
• If you need a visa for the country you are travelling to, don’t be tempted to overstay it as you could be given a hefty fine and prevented from returning.

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