A Simple Guide to Buying Complicated Travel Insurance


Travel insurance is one of those things that many people pay little attention to but is critical when traveling abroad for extended periods. Travel cover essential in many circumstances which many include when you have to cancel your trip, receiving emergency medical treatment or problems with your airline while travelling.

A wide variety of things can go wrong on a trip abroad. There are many travel insurance brands and each with distinct policies. Below is a brief guide about what you should consider when shopping for travel insurance.

Where are you going?

The cost and travel insurance and level of cover will vary considerably depending on the region(s) in which you are traveling. For this reason, insurance companies may consider some areas to be greater concern than others. You have to familiarise yourself with your travel destinations. 

Always ensure that you are informed of the risks against which against which you want your cover to protect you. Not all policies cover for epidemics, pandemics or civil commotions. If you are traveling to multiple countries, you need to get a policy that guards you for every country you will be visiting.

How long are you going to be away?

Most people are best served by a one-off policy for a set number of days. However, if you happen to be a regular traveller, a good value solution is an annual multi-trip policy or credit card travel insurance. These types of cover often restrict the length of travel allowed. 

Depending on the insurance brand, this can range from 30 to 90 days. A long-term standalone insurance policy is necessary if you are traveling for a period of more than 3 months.

The purpose of the visits

It is very important to note that some activities will not be included in a travel insurance policy. As such, you should go through the list of activities that the insurance provider covers.

This way, you can determine which activities you will have to pay extra for. It is advisable to keep alcohol and drug consumption to a minimum since an adverse event under intoxicated circumstance may not be covered by your policy.

Valuables

You first have to decide whether you need cover for valuable items such as the laptop or other electronics. The extent of cover for valuable items can vary considerably and in some cases, valuable item cover will only be provided in the form of a higher premium. 

Different travel insurance providers have different policies on an exclusion of cover for valuable items. For this reason, it is vital that you do your research on the policies of the selected travel insurance brands. Remember that the devil is always in the details!

One more important aspect to consider is any medical conditions that pre-exist the purchase date of your travel insurance policy. Some providers may not provide cover in this instance. Contact the insurance to determine if they have automatic cover or require an assessment to provide cover.

Remember, Mayfair Cares.

 

Travel and safety in 2016


Travelling is one of the most exciting things to do. But when the world is seeing an increase in the number of apparently random terrorist attacks, travelling has its risks. So, whether it is a business trip or a holiday it is important to plan, prepare and exercise caution in every part of the world simply because when you are in unfamiliar surrounding is when you are at your most vulnerable. 

April 2016 statistics in Ireland alone showed that more than 800 tourists were victims of attacks or robbery. Allowing for the fact that this should be one of the secure places in the world, these statistics are worrying. This raises the question, “How then can one safeguard themselves when they are travelling?”

At the other end of the scale in Europe during 2016 we have seen terror attacks in Paris, Brussels Nice and Normandy; random attacks across Germany, Ukraine, Turkey and in London with tourists, often being caught up in the violence.

The perception is that European countries are dangerous places to visit either on business or for a holiday – but is this factual or is it the widespread publicity that these dreadful incidents attract that is creating an exaggerated perception?

The United States, Africa, The Middle East and Asia all have their issues as well so what are we to do when planning a business trip or holiday? These are our thoughts

There is a certain euphoric feeling about being away from home in a foreign country, and this is a logical explanation as to why a lot of people forget to exercise caution when it comes to ensuring that their safety is paramount. Regardless of whether you are on a business or leisure trip it is important to protect yourself because you are oblivious of what danger looms in your surroundings. 

There are different measures that one can employ when it comes to keeping yourself safe. |We examine a few:

Keep your itinerary private

One of the most important safety measures when on a business trip in a known problem area is ensuring that your movements are not monitored or predictable. For this reason, your schedule should be confidential as it will minimise the likelihood of being targeted.

Always have a contact person who can be accessible at anytime

It is important always to have someone who can come to your rescue if you get into trouble when in the foreign land. It does not matter whether this person is family or a friend but the fact remains that they should be readily available on the phone. 

Watch your suitcase at the airport

Most people fall prey of robbery at the airport, railway, or bus station. Many thieves will use distraction techniques to target bags, wallets and other valuables. Be on your guard at all times when you are carrying all your valuables.

Consult your hotel management

If you want to take a tour of the new city, the best alternative is to ask your hotel staff for safety tips. Needless to stay keeping your travel safe is a collective effort and you might need the guidance of someone who knows the place better than you do. 

Blend with the locals

Easier said than done but one of the reasons why people travel is to interact and meet new people and learn a little of a different way of life. It is not only exciting to meet new people but socialising, and mingling with others makes you less vulnerable. Making friends is also a way to learn the areas to explore and those not to explore. 

Do not drink and drive

Even though this is a universal rule everywhere, drinking and driving are even more dangerous when in a new environment. 

Insurance

Hopefully you will have a trouble free trip abroad but if you are unlucky it is important to have comprehensive travel insurance to fall back on. Check your policy before you go and perhaps even make a phone call to the insurer to be certain that you are covered for your destination.

In summary, travelling can be great fun and please don't be put off by the publicity generated by admittedly terrible events across the World but if you can, minimise the risks to maximise a positive experience of your foreign travel and remain vigilant at all times.

Good luck, have fun and remember – Mayfair Cares.

References

www.itb-berlin.de/...all/...all...all...all...all.../ITB_World_Travel_Trends_Report_2015...

http://www.thejournal.ie/tourists-attacked-and-robbed-in-dublin-2701644-Apr2016/

 

 

Stay safe when attending the Rio de Janeiro Olympic Games


Are you planning to visit Brazil for the Paralympics and Olympics or any other reason? If so then you should know what to avoid as well as what to do so that you remain healthy during your visit and after you return.

The dates for the Olympics are 5-21 August, 2016 while the Paralympics will follow on 7-18 September, 2016. The summer events promise to be spectacular and will see many thousands of participants and fans travel to Rio de Janeiro in Brazil from all over the world. If you are among those who are going to enjoy the summer games then a healthy and safe stay should be your top priority.

It is recommended that you check with your local travel agencies and government sources to inquire about health dynamics in Brazil. Furthermore, the internet is another reliable source of this critical information so this article examines some of the most vital considerations for you as a visitor to this vibrant, exciting city.

 Essential vaccinations

There are a number of routine vaccinations that you should know before booking your plane. It is advisable that you get all relevant travel medicines and vaccines based on your doctor's recommendations. This will help you to avoid particular diseases in Brazil.

Additionally, consider what you will be involved in and the duration of your trip. This is a basic safety tip for all of you. Some of the vaccines that you should not ignore include: Polio vaccine, diphtheria-tetanus-pertussis vaccine, measles-mumps-rubella vaccine and chickenpox vaccine. The annual flu shot is another valuable precautionary measure.

Typhoid and hepatitis A vaccines

You should avoid contaminated water and food while in Brazil. In case this might be more difficult than it sounds, you should be vaccinated against typhoid. Furthermore, this will be handy as you visit smaller cities, eat heavily, tour villages and stay with family and friends. In addition, there is a risk of contracting hepatitis A regardless of your food joint via contaminated water and food. This makes hepatitis A vaccination a necessary requirement for you.

Hepatitis B

This is another health hazard that will compel you to do avoid certain activities. Blood products and contaminated needles are some of the major causes of this disease in Brazil. To add to this, sexual adventures will increase your chances of getting hepatitis B.

Malaria

Malaria is a deadly disease. Your Brazil visit should be free from any mosquito bites. You are advised to take precautionary measures depending on travel time and destination not forgetting the time you spend outdoors. Some medical professionals will advise you to take medication during the stay, before and after the Brazil tour.

Yellow fever and rabies 

Some parts of this fabulous country have the potential of exposing you to yellow fever. Everyone who is nine months onwards should be vaccinated to prevent yellow fever infection.

More so, mammals especially bats and dogs are the main source of rabies. This is not a great concern but you should be vaccinated if you fall in any of the following categories of people:

• Those working with animals or involved with animals in any way

• Remote area outdoor activities where you can easily be bitten by animals

• Children because of their playful nature

The Zika Virus

This virus has been in the news consistently in recent weeks and advice continues to develop but you need to be aware that Brazil is one of the 58 countries and territories which to-date report continuing transmission of Zika virus by mosquitoes. While mosquitoes are the primary vectors, a person infected with Zika virus can also transmit the virus to another person through unprotected sex.

Zika virus disease usually causes mild symptoms, and most people will not develop any symptoms. However, there is scientific consensus that Zika virus is a cause of microcephaly (children being born with unusually small heads) and other brain malformations and disorders in babies born to women who were infected with Zika virus during pregnancy.

This virus will be the subject of a later blog in July when we will relay the most up to date advice but it is certainly something to be aware if you are planning to go to the Olympic Games in Rio de Janeiro this summer.

In Conclusion

The Olympics will only be a lifetime experience if you are safe and healthy. Speak with your doctor, take all the necessary precautions and you will enjoy the trip of a lifetime at the world’s greatest athletic event in one of the world’s most exciting places.

With acknowledgements to https://www.gov.uk/foreign-travel  and https://www.passporthealthusa.com as well as https://www.who.int

Safety Tips for Travelling Abroad

                                             


Being on the road/mid-air and in a foreign country makes you vulnerable, and an easy target for all sorts of mishaps. You should, therefore, always make safety a top priority when traveling abroad for business. Observe the following safety precautions to protect yourself and your belongings while on your trip whether it is for business or pleasure.

1.      Prepare for emergencies.

It is best always to hope for the best BUT prepare for the worst. After all, prevention is indeed better than cure. Therefore, prepare adequately for emergencies.

Emergency contacts.

Before you leave, ensure you programme your phone with contacts that you can call in case of an emergency. Find out the embassy and state department’s phone numbers and email addresses.

Medical coverage.

Find out whether your medical cover provides for oversees Medicare. If it doesn’t, get yourself traveller’s insurance just in case of an emergency medical occurrence.

Research on safety warnings.

Visit the UK Foreign Office’s website for advice or the US Department of State’s website and subscribe to travel warnings, alerts and updates regarding the country to which you’re traveling. Apply, also, for the free smart traveller enrolment program which allows you to give emergency contacts in case someone back home needs to be reached in an emergency situation. The program also lets you register your place of stay while abroad.

2.      Set yourself up for a pleasant stay.

Research on local laws.

Equip yourself with proper knowledge about the legislation of your destination country, to avoid being caught in unlawful situations. Get to find out about their traffic laws too, if you intend to rent/hire a car during your stay there.

Learn basic pleasantries.

Learn basic pleasantries like how to say thanks & sorry, or how to ask for directions in the local language. Also, find out what their customs are to avoid offending locals when you interact with them on your trip.

 Cell phone carrier.

Check to see whether your mobile carrier provides services to the country to which you’re travelling. If not, plan to either buy a pay-as-you-go phone or rent one while there. Skype is also a cheap option.

3.      Other essential tips.

Before travel:

         Charge your phone fully & pack it with its charger.

         Pack any prescription medication you’re taking.

Hotel security.

         Ensure that you stay at a hotel that has a security program in place.

         Have a hotel security guard accompany you to your rental car if late in the night.

         Avoid rooms which are ground floor and open onto the street.


These safety tips will go a long way in helping you stay safe on your business trip abroad however, if anything were to go wrong, did you check that you were fully insured before you left? We can help if you are unsure about insurance cover to certain destinations – just email us at: info@mayfairworldwide.com and one of our friendly team will contact you.

Stay safe.

Your safety when travelling abroad - 12 pieces of advice...

Travelling overseas on business to places you haven’t been before can be exciting, but it can also be overwhelming and there is much to consider. 

As a business person you are there on behalf of your company but safety and not business should be your first priority.


Although your company may have done all the homework and researched the area you should double check to ensure that you are travelling to a safe region or country. The stakes of foreign travel are high and there is need for you to take concerted efforts to protect yourself.


Even when travelling to regions or countries that are considered safe, you still need to actively protect yourself against several risks. Here is a list of 6 dos and 6 don’ts of foreign travel:


The Dos

1.     DO your research- Safety, etiquette and culture differ from region to region and it is best that you consult your embassy, consulate or internet sources to know about a region’s security situation, culture and other circumstances you are likely to encounter.

2.     If you are UK based then the first place you should consult for travel and safety tips and warnings is the Foreign Office. This link will take you straight there https://www.gov.uk/foreign-travel-advice

3.     DO keep important documents in a safe place- Always keep your credit cards, passport, ID, insurance policy, some emergency cash and a copy of your airline ticket in a safe and secure place separate from the other luggage. You should also leave a copy of these documents with a friend or relative at home.

4.     DO be aware of what is going on around you and watch out for distractions such as someone asking for directions or bumping into you.

5.     DO label your luggage-It is important that you label your entire luggage with your contact details and name both inside and out in case it is lost or misplaced.

6.     DO cater for a worst case scenario and have a safety plan- A safety plan that includes having contact details of your nearest embassy or consulate and emergency numbers of the local police and hospital. The safety plan also involves updating your business partners, friends or family about your whereabouts in a foreign country.


The Don'ts

7.     DON’T drive a rental car that has the company rental stickers all over it. It is great advertising for them but it also advertises you as a tourist as well.

8.     DON’T ever give anyone a lift unless you know them. Doing favours for hitchhikers no matter what the circumstances is to be avoided.

9.     DON’T take out large sums of cash in public- Large sums of cash attract attention and expose you to risks. Always pay your bills with small sums of cash. You should wear a money pouch/belt to carry your money instead of carrying cash in your back pocket or wallet. A money pouch/belt is easy to hide under a layer of clothes.

10. DON’T use your smartphone in the street unless it is absolutely necessary.

11. DON’T walk or visit unfamiliar, dimly-lit or isolated places. In addition, try to hold your business meetings during the day and in company office or public places.

12. DON’T leave your belongings unattended. You should also avoid storing your medicine, money or other valuables in your luggage.

This list is by no means exhaustive and a lot of it is common sense - foreign travel is interesting as long as safety is your first priority. You can avoid risks by being cautious, vigilant and self-aware having carried out your research and prepared fully for your journey.

If you would like to discuss any aspect of travelling abroad on business with us please don’t hesitate to contact us here:  mayfair.uk@mayfairworldwide.com