ZIQQURAT >> Travel Guides

What would happen if you had a month ‘ s trip to America booked – departing in six months time – and were unexpectedly diagnosed with lung cancer? Suppose you had to cancel your holiday and go in for immediate surgery. If you had been smart and taken out travel insurance – effective from the date you booked the trip – you should be able to recover costs associated with the cancellation of the trip ( after any excess payable ). However, if you had waited until the day before departure to purchase travel insurance your cancellation costs would not be covered. Some people try to squeeze extra mileage out of their annual travel insurance policy by making the start date of the policy the date of the first departure. This is a risky thing to do because there will be no cover for cancellation costs if anything should go wrong prior to the departure date.

Just suppose you ‘ d been having tests and investigations within the last year for lung – related problems but failed to declare this fact when purchasing travel insurance. During your scuba diving holiday in California, you start coughing up blood all over the dive boat. You have to seek emergency medical care and a diagnosis of lung cancer is confirmed. Would you be covered for the high emergency medical costs or curtailment of your trip? Probably not.

Anyone with a serious pre – existing medical condition will already know that obtaining travel insurance can be tricky, but not impossible. Some travel insurance companies exclude all claims related to pre – existing medical conditions. Some insurers will cover for pre – existing conditions without any additional premium. Other travel insurance companies may have a medical screening system, usually carried out over the telephone or online. A series of questions is asked to assess the risk and determine whether insurance can be issued. If approved, there may be a choice to either pay an additional premium to cover the pre – existing condition – or elect not to pay the extra premium and exclude claims relating to the risk.

Common conditions such as hypertension ( high blood pressure ), diabetes and asthma can all cause problems when trying to obtain travel insurance – especially if combined with other conditions, so never neglect to disclose something as common as high cholesterol thinking that it is insignificant! All questions must be answered fully and honestly. Read more…

7. Some claims just aren’t worth the excess!

Here’s a tip for you – if you have an excess you need to pay on a claim of £50, make sure your stolen possessions are worth at the very least £50. 01! One traveler who had his bag snatched on holiday had his claim turned down, when it was established the complete inventory of contents was: 1x bottle of water, 1 x newspaper and 1 x packet of mints. No wonder his cheap travel insurance claim was rejected.

8. Criminals aren’t the only animals to ruin your trip

If you’re holidaying in the Black Forest, you may want to make sure you lock up properly when you leave the house. One family came back to their chalet to discover their home had been invaded by one hungry goat, which had proceeded to much his way through their wallets, passports and sandwiches. Their claim for new passports and wallets were rejected on the grounds of negligence in leaving the chalet wide open.

9. Coconut Shy

If you’re planning on relaxing under a tree in Sri Lanka, it’s worth checking your spot carefully, as one traveler found after being concussed by a falling coconut. The injury knocked her out, which may sound unlikely until you consider that the average fresh coconut weights 2 kilograms, and their trees grow up to 30 metres high. A coconut traveling at 53 miles per hour is no joke, and it’s unsurprising that the traveler was reimbursed the £400 medical bills.

10. Coconuts lost

On the other hand, others apparently cannot function without their coconuts: a couple returned from Mauritius to discover their local produce missing. Claiming for two lost coconuts may seem like a reasonable idea on paper, but with each one costing less than a pound to replace, and an initial excess on any claim made of £50, it’s no wonder the travel insurance providers turned this one down. Read more…

Cheap travel insurance has a reputation of being quite a dull area to work in. While it does have its dull routine moments, just like any other job, these are made up for by the occasional inspired funny travel insurance stories you hear. It’s hard to say how many of them are either exaggerated, hugely embellished or just plain made up, but I still found a few of these travel insurance stories made me laugh while I was researching this article, and that’s good enough for me.

Here’s 13 funny travel insurance stories. While 13 is traditionally an unlucky number, a fair few on this list will consider themselves very lucky to be covered by understanding travel insurance companies! The remaining ones who were turned down will no doubt have learned an invaluable life lesson!

1. Cheeky Monkeys Cause Havoc

According to this tale ( tail? ), a group of cheeky monkeys conspired to ruin a couple’s romantic trip to Malaysia. Due to the heat, the couple left the window of their chalet open during the day while they went out, but regretted their decision when they returned to discover their clothes and belongings all over the surrounding resort and neighboring rainforest. The couple’s insurance company were thankfully understanding and ensured they did not need to keep re – wearing the same clothes for the remainder of their trip! Read more…

Incoming search terms for the article:

• insurance stories

You may be thinking of treating your loved one for Valentine ‘ s Day – or to pop the question, or for no special reason at all. However, deciding where to go can pose a dilemma. How do you find the perfect romantic escape? Here are a few ideas to get you started:

Venice

Venice is touristy and expensive, there ‘ s no question about it. However, the city is sure to spark your imagination and romantic streak as you lose yourself in its history and secrets. If budget is important go during off – peak times when you ‘ ll be more likely to find a hotel deal. You could splash out and stay at one of the top hotels like the Cipriani, Danieli or Molini Stucky where you ‘ ll experience Venetian luxury and pampering. Gondola rides are pricey, but unforgettable and not to be missed, so pack a picnic and bottle of Prosecco and let the city work its magic as you glide beneath the Rialto Bridge. Be sure to take a vaporetto ( water bus ) to visit the nearby islands of Murano, Burano and Torcello.

Many people are choosing to cross the pond for their romantic getaways while the exchange rate is still favourable. The U. S. undoubtedly offers tremendous diversity and a choice of romantic locations, such as:

Las Vegas, Nevada

Las Vegas, or Sin City, may not be everyone ‘ s idea of a romantic getaway – but for many it ‘ s all their fantasies rolled into one desert oasis. Love it or hate it, Las Vegas will amaze you. There ‘ s so much to see and do that you may not even think about romance. So, take in some of the first class shows, explore the casinos, and let the desert ‘ s heat ignite your passion. If you get really carried away look out for one of the neon Wedding Chapel signs. Romantic – or tacky – you decide! No doubt there ‘ ll be plenty of divorce lawyers on hand. If you can ‘ t decide between Venice or Las Vegas, then go to Vegas and stay at the Venetian hotel. You ‘ ll get a taste of Venice ‘ Vegas – style ‘ complete with a gondola ride and singing gondolier – with less damage to your wallet!

Aspen

The lovely old mining town of Aspen, Colorado is a fine place for lovers – in winter or summer. It will be pricey, especially during ski season, but even if you don ‘ t ski you can enjoy the après ski activities. You ‘ re likely to rub
shoulders with the rich and famous as you wander the pretty streets and browse the art galleries and boutiques. If Aspen is beyond your budget you could stay ‘ down Valley ‘ at the lovely old western town of Glenwood Springs. Don ‘ t miss the natural hot springs pool and the Yampah Vapour Caves. Read more…

Incoming search terms for the article:

• site:ziqqurat net