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Don’t Learn About Travel Insurance the Hard Way

Don’t Learn About Travel Insurance the Hard Way

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While figuring out the cost of a trip, travel insurance can seem like an added expense. So should you risk not getting travel insurance, save a few dollars and go overseas anyway?

Even though travel insurance is an option, it is important to consider everything that travel insurance can cover you for and what you might need cover for when you travel. In a survey by Fast Cover of over 1000 travellers, 31% chose not to get travel insurance. But 38% of people surveyed required assistance for one reason or another. Travel insurance can cover you for different things at different prices, so consider the following when looking for a policy.

insurance

Your flight could be cancelled

Traveller identified not taking travel insurance out early as one of the most common mistakes made by travellers. The reason is that once you get travel insurance, depending on the policy, you will immediately be covered for cancellation fees and lost deposits for travel arrangements such as accommodation. You can’t guarantee your travel plans won’t be cancelled due to sickness, accidents or even natural disasters. Travel insurance can cover you if this happens.

Medical Cover

Medical treatment can be a huge expense overseas, ranging from a few hundred to well into the thousands and hundreds of thousands of dollars. A day in a hospital in the United States can cost $1,500-$12,500 USD. Travel insurance can cover you for medical expenses and hospital expenses if you get sick or injured. The amount that you can be covered for can vary between different insurers. Some insurers provide an unlimited amount of cover for medical expenses, while others provide a capped amount. Consider what the cost would be if you needed to stay in hospital, have surgery, or need a medical evacuation. It might seem unlikely, but travellers do experience unexpected medical emergencies overseas.

Broken Collarbone on Marmot Basin Ski Area

If you have a pre-existing medical conditions like diabetes or high blood pressure, or you are pregnant, you need to check whether you are covered for related medical emergencies. If you aren’t, your travel insurance company will not compensate you for medical expenses relating to your condition.

Stop that thief!!

If your belongings are stolen while overseas, travel insurance can reimburse you for the cost of replacing those items, including the cost of replacing personal documents such as your passport. You can also get cover for individual items in some cases, or pay an additional premium to insure particular belongings. For example, some insurers might not provide cover for the full cost of your mobile phone. If you lose your phone or it is stolen, you won’t be able to claim a full reimbursement. See how much cover you are provided with and whether this is suitable for the items you are taking travelling.

Going to Court

It’s perhaps an unlikely scenario, but some travellers find themselves facing a lawsuit while overseas after unintentionally injuring someone or someone’s property. For example, if you accidently injure someone by unintentionally tripping them over, you may become involved in a legal matter. Your travel insurance can cover your legal fees and the payout you are liable for.

Cover for activities

Are you covered if you injure yourself falling off an elephant? What if you cut your hand on coral while scuba diving? With some travel insurance policies you won’t be. Make sure you are covered for the activities you plan on doing. Remember that most travel insurance companies won’t cover you if you’re taking part in an event with some level of danger. If you choose to run with the bulls in Spain, you might be on your own when it comes to paying a medical bill. Many insurers will also not cover you if you are drunk, as this is an unnecessary risk that can increase the likelihood of injury.

Festival of San Fermin, Running with the Bulls Video, Pamplona

Festival of San Fermin – Running with the Bulls

Get Help Immediately

Fast Cover provides you with access to the Allianz Global Assistance team, which can be reached over the phone at anytime from anywhere. This team can guide you through an emergency situation and provide professional advice. Find out whether your insurer has a hotline that can help you when things go wrong.

Cole is one half of New Zealand's leading adventure travel blogging couple who have been wearing out their jandals around the world since 2009. He loves any adventure activities and anything to do with the water whether it is Surfing, Diving, Swimming, Snorkeling or just lounging nearby on the beach. You can follow Cole on Google+. Or consider following us via RSS Feed, Twitter, Facebook and subscribe to our Newsletter.

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Top 5 Historical Landmarks of Portugal

Top 5 Historical Landmarks of Portugal

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Portugal is a hive of culture, history, and architecture and is home to fifteen UNESCO World Heritage Sites. If you plan a holiday to Portugal to discover some of its glorious histories, look through our top five Portuguese historical landmarks.

Alcobaça Monastery

This beautiful monastery is a UNESCO World Heritage site. The Monastery of Santa Maria de Alcobaça is a prime example of early Gothic architecture. The sanctuary is home to the ornate tombs of Ines de Castro and King Pedro I. There is a tragic love story associated with the burials. Ines de Castro was assassinated in 1355, and the king ordered his tomb to be placed next to hers so that he could face the woman he loved on the day of resurrection. They are considered to be the most beautiful medieval tombs in Portugal. There are also living quarters, including a refectory, dormitory, kitchen, and cloisters that have been inhabited by monks for 800 years.

Convent of Christ

The Convent of Christ is a beautiful roman catholic building located in Tomar. It was initially a stronghold for the Order of the Knights Templar. The building houses impressive art and examples of Romanesque, Gothic, Manueline, and Renaissance architecture. The walls inside are exquisitely decorated with paintings, carved stone sculptures, and a window depicting symbols and motifs. This site has been a UNESCO World Heritage site since 1983.

Évora

Évora is a Portuguese city home to several historical sights, some over two thousand years old. The Cathedral of Évora is considered one of Portugal’s most important gothic monuments. Moorish palaces and courtyards, a renaissance fountain built-in 1559, and a one-of-a-kind Roman temple have become the city’s most famous landmarks. It is not surprising that Évorahas is classified as a World Heritage site by UNESCO.

Belém Tower

Belém Tower was built to be a fortress in 1515 to guard the entrance to Lisbon’s harbor. The tower is constructed from lioz limestone that is local to Lisbon. It is considered one of the prominent examples of the late gothic Manueline style. There is a drawbridge, spaces for cannons, turrets, and arches that have been decorated with images of animals, plants, and royal coats of arms. Inside there are statues, pillars, and gargoyle facets. UNESCO has listed the tower as a World Heritage monument. 



Jerónimos Monastery

Jerónimos Monastery is considered one of the most beautiful monasteries in Portugal and Europe. Located in Lisbon, the monastery has various entrances that have been decorated with carved figures, gables, and pinnacles. There is a 16th Century Portuguese sculpture of Our Lady of Belém in the central doorway, a figure of Prince Henry the Navigator in the center of the monastery, and a statue of King Manuel I. The monastery has been classified as a World Heritage site by UNESCO.

We hope this has inspired you to start planning your trip to Portugal today.

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Top 5 Outdoor Adventure Activities in Qatar

Find out why Sand boarding, Diving and Safaris through the desert are included in the Top 5 Outdoor Adventure Activities in Qatar.

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Top 5 Outdoor Adventure Activities in Qatar

Qatar is a country of reinvention. Shimmering towerblocks rise against a desert horizon, and maze-like souks thrive next to 21st-century shopping palaces. It’s also one of the more accessible countries of the Arab Gulf, with a welcoming reputation towards visitors and plenty of attractions to keep them coming. Some of the best holiday activities you’ll find in Qatar are the adventurous kind. And these are the top 5 outdoor adventure activities in Qatar.

Top 5 Outdoor Adventure Activities in Qatar

Sunset in Qatar – Photo by wj2012

Top 5 Outdoor Adventure Activities in Qatar

Diving expeditions

The Gulf Sea is famed for its crystal waters and the exuberant marine life which lurks just beneath the surface. Messaid is a good jumping-off point where you’ll find angelfish and barracuda, while those intrigued by underwater wrecks will love the Hall Island dive site at Al-Sharqi, where bright clownfish circle the abandoned boat.

Sand Adventures

Many of the sports here have been adapted from colder climates, so instead of skiing down a mountain piste, try Khor Al Adaid beach to glide down the impressive dunes on a sand-board. Alternatively, race your blo-kart along the sands of Al Wakrah, south of capital Doha, to experience the thrill of wind-sailing on dry land.

Top 5 Outdoor Adventure Activities in Qatar

Sand Boarding – Top 5 Outdoor Adventure Activities in Qatar – Photo by ground zero

Al Jassasiya

The ancient carvings of Al Jassasiya lie to the north near Al Shamal, amid a truly remote landscape of village ruins and limestone. Hire a 4×4 of your own and make the journey to see the 900 petroglyphs which riddle the rocks here. The carvings denote flowers, animals, fleets of shows, or traditional Arab boats, and to this day, their origins remain a mystery.

Sunset Cruise

When the time comes for a more relaxed excursion, you can do no better than a sunset cruise onboard a wooden dhow as you drift past the super-modern Doha seafront of Al-Corniche and the old harbor at Al Khor. If you’re still hankering after some adventure, rent a smaller vessel and go for a fishing trip the following day.

Desert Safaris

Much of the inland desert in Qatar remains inaccessible on foot, but fortunately, that’s where a 4×4 comes in very handy for a safari trip you won’t easily forget. There are numerous options available from Doha, including day-long excursions, bumping, and rolling to the inland sea at Khor Al Adaid. Or make the trip at dusk for a spot of star-gazing before you settle in Bedouin-style tents for the night.

Top 5 Outdoor Adventure Activities in Qatar

Desert Safari – Top 5 Outdoor Adventure Activities in Qatar – Photo by robertpaulyoung

Most activities can be arranged via a tour company. Although cash has been the predominant payment method in Qatar, this is beginning to change, which is good news for tourists since  HSBC offers protection against loss or theft. If you’re planning on taking part in several activities, it can be handy to have some plastic on you to avoid expensive traveler’s cheques, plus credit cards from HSBC and other familiar providers also enable easy access to money at the ATMs. However, it’s wise to exercise caution, using only official bank machines here and sticking with local currency at the market and in smaller shops.

There’s no doubt that Qatar offers some world-class cultural attractions beyond the more energetic highlights, and while you’re in the country, set aside some time for the historic Al Zubarah fort or browse the recreated 19th-century Souk-Waqif, in Doha.

This country has been undervalued in the past but is now coming to the world’s attention. With its desert adventures, ancient sites, and thriving culture, this attention is thoroughly deserved.

This is a travel feature by world traveler, Jose Capelo. He loves exploring the top 5 outdoor adventure activities in Qatar and has spent many trips exploring the wild deserts of Qatar.

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8 Things to do in Bondi in Winter

8 Things to do in Bondi in Winter

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Bondi is well known for sun, surf, and fun, but what can you do if you find yourself there in the colder months from June to August? Here are a few suggestions for things to do in Sydney’s most popular suburb when the temperature drops.

Adventure Travel Activities in Sydney

8 Things to do in Bondi in Winter

1. Go on an art tour

If the weather doesn’t allow for the typical outdoorsy activities Bondi is known for, a tour of some of its first-rate art galleries can be a great way to spend an afternoon. Don’t miss the Cooee Aboriginal Art Gallery, dedicated to promoting Indigenous art, and the Bondi Art Lounge, where you can view works from local artists or even take a beginner class and create a masterpiece of your own.

2. Take a hike

In crisp cool temperatures, a hike along the coastal cliffs with a view of the gorgeous Pacific Ocean below can’t be beaten. One of the most popular hikes is the Bondi to Coogee Walk, which is 6 km and takes you through Sydney’s eastern suburbs and past plenty of cafes, restaurants, and kiosks where you can stop to rest and take in the sights.

Outdoor Activites in Sydney - Spit Bridge

 

3. Head to Bondi Icebergs for some winter swimming

Even during winter, swimming is not entirely out of the question in Bondi. The Oceanside pool at Bondi Icebergs Club is open year-round, and the winter swims every Sunday from May to September have become a time-honored tradition. Although club members must complete at least three winter swims a year to retain their lofty membership title, non-members who are up for the challenge can pay a one-time fee to use the pool and sauna.

4. Strap on your skates and visit the only beachside skating rink in Australia

If winter swimming is a step too far for you, why not skate instead? Bondi has Australia’s only beachside ice rink, and the ocean view in the background makes for a striking contrast. The ice rink is open from June 27 to July 13, and aside from hosting skating sessions that are open to the public, it also features spectacular ice shows from Stars On Ice.

5. Settle in for brunch at one of Bondi’s decadent cafes

Winter wouldn’t be the same without a few indulgences, and after all your skating and hiking, you’ve probably earned a hearty brunch anyway. Fortunately, Bondi is full of great brunch options, from Trio Café with delicacies like poached eggs with truffle oil and char-grilled halloumi; to the rustic Brown Sugar, where you can indulge in classic comfort food like buttermilk pancakes and English muffins with bacon.

Coffee and cake around the world

 

6. Join a cooking class, dodge ball game, or salsa lesson

During the winter, it may seem like most people have gone off to hibernate, but if you know where to look, you can still find plenty of social things to do. Start by checking out the Bondi community page on Gumtree. You can find like-minded individuals to explore the area with or even join a group for fun activities like hiking, biking, or cooking.

7. Score some vintage fashion at Bondi Markets

The Bondi Markets, held every Sunday on Bondi Beach, are known in Sydney for being the best place to shop for vintage clothing and accessories and hip new fashions from emerging designers. Aside from style, you can also shop for art, furniture, flowers, books, local produce, and delicious street eats. Even if you don’t buy anything, it’s a great place to do some people-watching and see the Bondi locals in their element.

8. Stop by the Bondi Pavilion

The Bondi Pavilion is one of the suburb’s oldest landmarks dating back to 1928 when it first opened, featuring grand dining rooms, a lounge, a ballroom, and the Turkish and Hot Sea Water Baths. Today, it’s used as an art and cultural center and is home to a theatre group, recording studio, and art gallery. There’s always something going on here, from pottery classes to festivals to open-air cinemas, so check it out if you have a chance.

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Meet Cole and Adela

Cole and AdelaWe have been wearing out our jandals (Kiwi for flip-flops) on our travel adventures around the world since 2009. We think our blog is thought provoking and a little witty. But we have been proven wrong before. Find out more about us here...

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