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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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portugaljeepsafari

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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Boys will be Boys – Essential Stag Guide to Barcelona

Essential Stag Guide to Barcelona

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Splurging on chocolate in Quebec City

Barcelona has a lot to offer to the quintessential all-boys travel group for a stag weekend in Barcelona. This sunny Spanish city is known for its gorgeous Mediterranean beaches complemented by turquoise waters. In addition to this, this city offers the ideal environment for an all-male party hotspot, considering its vibrant nightlife, football culture, flamenco dance clubs, tattoo parlors, and its delicious sangrias and tapas.

Paella cooking class Barcelona

Barcelona is a widespread consideration for a quick all-boys getaway during the summer. With a variety of heart-thumping activities that can make your trip a memorable one, make sure you take out time to pursue the following –

  • LTW Tattoo:

    If you are looking for a real adventure that will stick with you all your life, there is no better way to commemorate this epic trip than heading to Barcelona’s best tattoo parlor.

  • Barna Paintball:

    Take on your best buddies in a battle of agility by visiting the Barna Paintball. With four thematic areas to choose from, your experience here can be genuinely adventurous.

  • Bar Crawl Barcelona:

    Considered one of the most famous pub crawls globally and the biggest in Europe, the original Bar Crawl Barcelona is a great way to explore the city in its nocturnal state. You and your buddies can visit four bars and then finish at one of the best clubs in Barcelona. Complete with some of the craziest drinking games, this memorable experience costs all but 15 Euros.

  • FC’s Camp Nou:

    If you are a group of football fans visiting the city, you cannot leave without making a trip to Camp Nou, the city’s football ground. With a ticket for the stadium tour, you will have access to the changing rooms, benches, press rooms, and stands. If you are fortunate enough to have a match coinciding with your travel dates, make sure you book your tickets for the game well in advance.

  • Circuit de Catalunya Racing Track:
    If you and your crew are into racing, consider heading to the Circuit de Catalunya, host to various Formula 1 and Moto GP races. Here, you can get a detailed tour of the briefing room, pits, and podium.
  • Comedy Nights:

    Comedy nights are often an option that everybody loves. Especially as a group of single boys, you may love to attend an event organized by the Giggling Guiri program that consists of English-speaking shows.

  • Al Fresco Drinking on Las Ramblas:

    The heart of tourist activity in Barcelona, Las Ramblas, offers unique casual outdoor ambiances for groups of boys to spend hours finishing pitchers of sangria or chugging down buckets of beer bottles. Vibrant as ever, this street located off the Gothic Quarters is a great place to unwind after a long day of sightseeing.

Essential Stag Guide to Barcelona

As a group of boys, you can also research options for day trips to beaches outside of Barcelona that offers relaxing and laid-back environments for your holiday. Many options are available in Barcelona for hiring a car to explore this scenic and exciting city with your friends, such as Thrifty Car Rentals. So when you are in Barcelona with your amigos, nothing stops you from having a great time!

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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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