A Guide To Travel Insurance for Students Studying Overseas

Studying abroad is an opportunity of a lifetime full of possibility and excitement! Travel insurance for it however is less thrilling, and is likely not high on your agenda! If you are wondering if you need it, or if it is worth it, we share the basics so you can make an informed decision.

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Do I need travel insurance as a UK student abroad?

For some countries, student travel insurance is a legal requirement as part of your visa, and may even be required to be able to enrol on a course – you will need to contact your place of study to find out. Even if it is not, as a student your longstay adventure brings with it more risks than a short trip. For this reason it is highly recommended that students studying overseas take out travel insurance that will cover their unique situation and needs.

 

What kind of things are covered by student travel insurance?

Travel insurance provides cover for a wide variety of things such as: 

  • lost or damaged luggage and belongings
  • lost or stolen passport
  • travel cancellations
  • trip interruption
  • existing medical conditions
  • medical care
  • medical emergencies and repatriation

Without cover for these things, even small inconveniences can carry very big costs!

Student travel insurance can also provide cover for the things that mean the most to you as a student such as: 

  • gadget insurance
  • cover for study materials
  • cover for sports and activities
  • and travel insurance for further afield. That means that if you want to travel the world from your new destination you can benefit from the same great cover you have at your study destination.

 

Can I buy travel insurance when I am already overseas as a student?

You can from worldwideinsure.com – we provide cover for anyone already travelling overseas, so if you’ve discovered that you don’t have the cover you need then get in touch with us right away!

 

Our travel Insurance for Students studying Overseas in a nutshell:

  • Cover for full-time students aged up to 65 years residing outside of their Home Country for the purpose of pursuing International Educational activities
  • Four levels of cover to choose from
  • Meets J-1 visa requirements
  • Monthly payments available to help with budgeting
  • Longstay cover and overseas renewals and extensions
  • 24/7 multilingual helpline

Get student travel insurance!

We have specialist travel insurance policies for gap year students as well as travel insurance for students studying abroad. All of our policies come with a 24/7 multilingual helpline and each policy can be tailored to suit your unique needs, no matter where in the world you are! 

Get in touch with us for a quote or call us on 01892 833338


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Thailand – The Perfect Place for a Gap-Year Adventure

If you’re looking for a travel destination that provides a great social place to take a break from your studies and meet people with lots of things to do, then Thailand is for you. Here’s how one traveller explored Thailand’s bustling cities and serene towns. 

Thailand Longstay Travel Insurance Image

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Where should I stay during my gap year adventure inThailand?

In Bangkok, Thailand’s capital city, I stayed at this Airbnb which was about 20 minutes from the city centre by metro. I picked this place because I wanted an affordable place to stay that was relatively close to the city centre. However, I would recommend paying the extra money and staying in the centre as it was quite tiring going in and out via the metro – especially in the heat!

In Pai, I stayed at Phu View Guesthouse. After the chaos of Bangkok, this place felt like paradise. It was so quiet and peaceful that you forget you’re near the town centre. I picked this place because it was close to the centre but not so close that the bars would keep me up at night! I’d recommend this place if you want some peace and quiet but also want to be walking distance to the hustle and bustle. 

In Chiang Mai I stayed at The Common Hostel. This was one of the best hostels I stayed at. The rooms were clean, A/C was on constantly, a large kitchen area, free breakfast and spacious female-only bathrooms. I stayed here because it was in the centre and it was easy to walk around and get Maxim/Bolts to places. I highly recommend this place as it’s easy to meet and talk to people.

Peace in Pai Thailand Travel © Simran Kabotra

Image © Simran Kabotra

 

Top tips for things to do on a gap-year in Thailand

In Bangkok:

Get travel vaccines. In the UK, travel vaccines can put a sizable hole in your budget. I decided to get them done in Bangkok for a third of the price, and the service was incredible! I went to the Thai Travel Clinic where the doctors and nurses were very helpful and informative. Simply book an appointment online and take your passport with you to your appointment. So if you’re in Thailand for a considerable amount of time, I recommend getting your vaccines done here. 

Khao San Road area. Khaosan Road in Bangkok is a vibrant and bustling area that offers a unique blend of cultural experiences, making it an ideal spot for those on a gap year who want to meet new people and immerse themselves in the local scene. There are affordable accommodation options, street vendors, food stalls, bars, clubs and more. You can also find language schools, cultural workshops, and universities within a short commute.

In Chiang Mai:

Bua Thong Waterfalls or “Sticky Waterfalls”. This is the perfect thing to do during a heatwave. Bua Thong Waterfalls, also known as the “Sticky Waterfalls,” are known for their unusual “sticky” quality due to limestone deposits that make the rocks easy to grip. You can climb different levels of the waterfalls and it’s so much fun! The water falls on top of you as you’re climbing the rocks barefoot and it’s exhilarating and refreshing at the same time! 

Elephant Nature Park. There are many elephant sanctuaries in north Thailand but I recommend going to Elephant Nature Park (ENP) as their mission is to rescue and rehabilitate elephants and other animals while promoting ethical and sustainable tourism. It was eye-opening to see the abused elephants healing and be truly happy in a large area to freely roam without being chained up. If you’re staying in Chiang Mai, you can volunteer to help take care of the elephants. You can stay for longer periods, meet new people and contribute to the park’s mission.

In Pai:

Outdoor adventures. I enjoyed activities like hiking, trekking, and exploring nearby waterfalls (e.g., Mo Paeng Waterfall, Pam Bok Waterfall). Pai Canyon and the Tha Pai Hot Springs are also popular spots for nature lovers. I highly recommend visiting the canyon during sunset as there’s no-one there so you’ll have the place to yourself! The hot springs are very relaxing with various temperature pools – don’t forget to bring lots of water as you don’t want to be dehydrated! 

Chill! Since Pai is nestled in a valley surrounded by mountains, it offers a serene environment which is ideal for the new-found pace of gap-year life. Pai is perfect for gap-year students looking to escape the hustle and bustle of larger cities like Bangkok or Chiang Mai. I found Pai to be the epitome of a hippie town with a very laid back vibe and some people definitely high on something. It’s a peaceful, relaxing environment where you’ll meet so many friendly folks. 

Delicious Thai Food Thailand Travel © Simran Kabotra

Image © Simran Kabotra

 

Best and worst bits of spending gap-year time in Thailand?

I loved how tourist-friendly everything was in Thailand – from menus to street signs you can easily manoeuvre without much difficulty. This makes it a great spot to be here for an extended amount of time on a longstay adventure. I also loved the food, even as a vegetarian. Of all the places I’ve been in Southeast Asia, Thailand was my favourite food spot. 

I didn’t love the pollution or the amount of traffic in Bangkok. If you want somewhere peaceful, then avoid Bangkok! Other areas such as Pai and Chiang Mai were a lot more peaceful and refreshing. If you like a city-vibe, I recommend Chiang Mai and if you like a small town vibe, then Pai is the place for you. I’d only spend a few days in Bangkok to see the highlights and then leave asap! 

Top tips for visiting Thailand

Physical sim cards. Whilst e-sims are handy, if you’re staying in Thailand for a long time, you’ll want to have an actual phone number you can make phone calls with. In comparison, most e-sims don’t give you a number so you can just use data – great if you’re just visiting the country, but not so much if you’re living there. Plus physical sim cards will be a lot cheaper!

Language exchange meetups. You can find these easily in hostels where you can meet up with Thai people trying to learn English. It’s a great way for both people to learn a language through a native speaker and meet new people.

Don’t criticise Thailand’s King in public. Although the view of the King is mixed, no one will publicly go on record to say anything negative. 

Use Maxim for managing your travel money. This is cheaper than Bolt but for Maxim you’ll need cash. Both Maxim and Bolt are safe and easy to use, so just use them interchangeably. 

 

Would you go again?

Yes! I’d probably stay in northern Thailand rather than the south. I’d love to visit Sticky Waterfalls again, especially on a hot day. I’d also like to do a volunteering opportunity at the Elephant Nature Park to care for the elephants which would be very rewarding. 

 

Travel Writer Bio

Simran Kabotra is a writer, avid reader & crocheter who loves travel. She has travelled across Southeast Asia, searched low and high for new adventures, beautiful landscapes and rich history.   


Get student travel insurance!

We have specialist travel insurance policies for gap year students as well as travel insurance for studying abroad. All of our policies come with 24/7 multilingual helpline access and each policy can be tailored to suit your unique needs, no matter where in the world you are! 

Get in touch with us for a quote or call us on 01892 833338


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Baby’s First Trip Abroad? Essential Tips for Travelling with a Baby

We’re not going to lie, travelling with a baby can be challenging! But with proper planning and preparation, it can be a rewarding and memorable start to a lifetime of adventure!

Baby travelling Image by josh-willink CC0

Image by josh-willink CC0

Things to consider when travelling abroad with a baby

Before you even think about booking your holiday there are a few important considerations to keep in mind to ensure a safe and enjoyable travel experience for you, your baby, and anyone else travelling with you!

  1. Choose a baby-friendly destination: Avoid party places packed with clubs and bars. Licensing laws abroad are very different to the UK, and you could find yourself in a 24h party place!
  2. Choose baby-friendly accommodation: Stair gates for little ones who are  crawling, laundry facilities for the inevitable cleanups, pool fences for little ones who may be on the move at a private villa, or cots and bottle warming facilities at a hotel. You know what you need at home, make sure that you book somewhere that can cater for your needs.
  3. Get family-friendly travel insurance: Choose a family travel insurance policy that offers the right cover for each family member’s needs whatever the age!
  4. Research local customs and culture: Some destinations are immensely family friendly, with even the smallest kids welcome at all hours. Others less so! Do your research to avoid any cultural faux pas and ensure a more enjoyable experience for everyone.

Which countries are baby-friendly?

Feedback in travel forums suggests the following locations over and over again: Italy, Portugal, Spain, Greece & Thailand. Here you can expect your tiny ones to be doted on, get all the help you need with feeding and changing, and even have someone hold your baby so you can enjoy your meal!

What to pack for baby’s first holiday

When travelling abroad with a baby, it is important to pack the right essentials to ensure a smooth and comfortable trip. Here are some must-have items to consider:

  • Passport and other travel documents
  • Baby sling and/or umbrella stroller
  • Calpol, thermometer, & first aid kit
  • Favourite toys and entertainment
  • Pacifier, taggie, teddy or blanket – and a spare of each!
  • Sunscreen and mosquito repellent for sensitive skin
  • Travel steam steriliser
  • Skycot or Bassinet if travelling by air, or a suitable car seat

How old does a baby need to be to travel by aeroplane?

It is recommended to wait until the baby is 2 weeks old to travel, however, babies between 2 days old and seven days old are allowed to travel by plane, but you will need a permission-to-fly letter from your doctor. Babies under 48 hours old will not be allowed to board the aeroplane.

How much baby milk and baby food can you take through airport security?

There isn’t a limit on how much you can pack, but there are restrictions. This is the advice from Gov.uk, they do however suggest contacting the airport for more accurate information ahead of your trip.

image of How much baby milk and baby food can you take through airport security?From Gov.uk

Tips for a Smooth Trip with a Baby

You’re booked, you’re packed, now you need these tips to make the trip as smooth as possible for everyone.

  1. Plan for breaks and downtime. Travelling can be tiring for anyone, especially for a baby. Make sure to plan for breaks and downtime throughout your trip to allow your baby to rest and recharge. This can also help prevent meltdowns and keep everyone in a better mood.
  2. Stick to your baby’s routine. While it may be tempting to let your baby stay up late or skip naps or take extra ones at convenient times, it is important to stick to their regular routine as much as possible. This will help them feel more comfortable and prevent any disruptions to their sleep schedule.
  3. Be prepared for delays and unexpected situations. Travelling can be unpredictable, so it is important to be prepared for delays and unexpected situations. This may involve packing extra bottles of milk, snacks, nappies, and entertainment for your baby, as well as having a backup plan in case of flight or transportation delays.
  4. Take care of yourself! Remember to eat, hydrate, and get as much rest as you can when you can!

Get a family travel insurance quote today!

Get in touch with us for a quote or call us on 01892 833338.  We offer a 24/7 multilingual helpline and carefully tailored policies to suit the unique needs of you and your family!


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Do I need Travel Insurance for my Kids?

Whether you have a newborn, toddler, teeny, tweeny or teenager, you will need travel insurance for them when you go abroad. Family policies offer the ideal balance of cover and affordability for family getaways – here’s what you need to know!

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Why do kids need travel insurance?

Whatever could go wrong for you could go wrong for your children also. That could be lost luggage (with all the expensive baby equipment inside), damaged luggage, and the expense of replacing specific items, lost or stolen passport, trip cancellations, and let’s not forget medical emergencies.

Is there children-only travel insurance?

Yes, there are specialist under-18 and student travel insurance options available on the market. In some cases a child will need their own policy, for example travelling solo under a certain age, but in most cases having a child or children on a family travel insurance policy is the most cost-effective solution.

What is covered on a family travel insurance policy?

All of the above, for the whole family, and that includes if parents travel separately with their children. Family policies are also a cheaper way to get travel insurance for each family member. While children cannot travel by themselves on a family policy under a certain age, adults and young adults can. Having the whole family covered on a family policy can therefore save money.

Isn’t a GHIC (Global Health Insurance Card) enough for kids?

A GHIC, formerly known as an EHIC (European Global Health Card) provides limited cover for illness and injury, so you may still find that you have to pay medical fees abroad for treatment and medicines. Travel insurance provides more comprehensive cover to avoid such costs, plus it provides cover for non-medical related holiday mishaps such as lost, stolen, and damaged belongings. You can find out more about what is covered by a GHIC here.

Can a single parent get family travel insurance?

Yes, family travel insurance policies are available for single and two-parent families, and can be used for single-trip, multi-trip and annual insurance policies. Do note however that everyone on the policy should live at the same address, so if your child lives with another parent, a separate under-18s policy may be required.

How long before a holiday should I get the travel insurance?

As soon as you’ve booked the holiday! Travel insurance isn’t only useful while you are away, it can be used should life “get in the way” of being able to travel, such as a bereavement or illness. The sooner you get cover, the sooner you are protected should the unexpected happen.


Get a family travel insurance quote today!

Get in touch with us for a quote or call us on 01892 833338.  We offer a 24/7 multilingual helpline and carefully tailored policies to suit the unique needs of you and your family!


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Yellowstone National Park – The Perfect Off-Season Road Trip with a Baby

Some people might think we’re crazy for setting off on our longest-ever road trip with a 9-month-old baby (I know I sure did!) but the geysers and magical vistas of Yellowstone National Park were calling us!

Alongside many hours of meticulous planning and dreaming about the wonders we would see, were many moments of anxiety and doubt about taking our little guy on such a big trip. Despite my concerns, it was the most incredible vacation! And, I’d do it all again in a heartbeat.

© Rachael Bilby @JrnyMarketing

Where to stay in Yellowstone with a baby

Our road trip covered 2500 miles over 12 nights, with 5 different locations in total, but the Yellowstone segment of our trip spanned 7 days. Covering over 31,000 square miles, Yellowstone National Park is the largest (and oldest!) National Park in America, and with so much to see all across the park we decided to save some driving time and split this segment across 2 locations.

First, we set up basecamp for four nights at Yellowstone Lodge, in West Yellowstone, in a large double queen room with microwave and fridge – essentials for travelling with a baby. Plus the hotel swimming pool was perfect for helping our little guy unwind after a busy day of sightseeing.

Next, we made ourselves at home at the Ridge Line Hotel in Gardiner, MT, for two nights. Again in a spacious double queen and with a gorgeous riverside view, which was the perfect elk-spotting location. We also enjoyed the heated pool, games room, and complimentary smores kits!

What can you do in Yellowstone with a baby?

While some people cram the main attractions into 3 or 4 days, we had the luxury of slowing down to accommodate our baby’s nap schedule and go with the flow of weather conditions and the occasional ‘bison block’ on the park roads!

The highlights of our trip included some of the world’s most iconic natural phenomena, as well as some stunning attractions we’d never heard of! That’s the beauty of this park, it’s just so vast that it’s full of surprises.

  • Old Faithful Geyser – Remember to take a peek inside the Inn!

The most iconic and famous of Yellowstone’s geysers and it’s clear why! We ended up watching the aptly named display 3 times, as it erupted approximately every 90 minutes. There are also some beautiful and easy boardwalks and trails to see dozens more geysers and hot springs. Plus, Old Faithful Inn is the largest log hotel in the world – with 5 stories of incredible log cabin structure.

© Rachael Bilby @JrnyMarketing

  • Grand Prismatic Hot Spring – Plus the lookout trail from the Fairy Creek car park.

The epic rainbow pool looks magical up close on the main boardwalk, but to truly appreciate its beauty you have to take the 45-minute hiking trail from Fairy Falls car park. We ended up doing this trail twice and loved it both times – while it was snowy and misty the first, and with sunnier skies the following day.

© Rachael Bilby @JrnyMarketing

  • The Grand Canyon of Yellowstone – Hike both the Upper and Lower Falls trails!

When I mentioned a canyon and waterfall to my partner, he was surprised to learn this was an attraction at Yellowstone as the geysers take the spotlight. Despite being a less iconic attraction, it was one of the most outstanding waterfalls we’d ever seen! Start at ‘Artist Lookout’ for a gorgeous view of the canyon and waterfall, before stopping to hike the Upper and Lower Falls trails on the way back to the Canyon Village, for epic up-close views of tons of water gushing through the falls every second.

Parents and baby at Yellowstone © Rachael Bilby @JrnyMarketing

© Rachael Bilby @JrnyMarketing

  • Yellowstone Lake Overlook at West Thumb

The largest high-elevation lake in North America, it’s worth driving to West Thumb for a view of the geyser-lined shore and the West Thumb hot pools. We also spotted Grizzly Bears and a Grey Wolf on our way to this area – such incredible luck to see both animals at the same time! While it was too busy to stop and look for more than a few minutes, the chance to take a peek through the binoculars was awesome!

  • Lamar Valley & Hayden Valley for wildlife spotting

Speaking of wildlife, these are beautiful scenic routes to explore and look out for a variety of wildlife. Bison are pretty much everywhere in the pak (yep even next to the boardwalks by the geysers!) but you’ll need to look harder for elk, moose, bears and wolves.

  • Norris Geyser Basin

Near the West Entrance, this was a fascinating (yet stinky) stop for a mix of hot pools and geysers. Enjoy the weird and wonderful shapes and sizes of these geothermal marvels and see how long you can stand the sulphuric stench of some of the more acidic parts of the park.

  • Mammoth Hot Springs

Located near the North Entrance, we stopped here towards the end of our stay and were blown away by how spectacular, and different, the sights were at Mammoth Hot Springs. Years and years of cascading sulphuric waters have formed beautiful steps that are adorned with rusty reds and browns from the bacteria living in the water. When water stops flowing due to the forever changing nature of the springs, bright white tiers remain in place, adding a stunning contrast to the ‘living’ channels of water.

Plants and baby at Yellowstone © Rachael Bilby @JrnyMarketing

© Rachael Bilby @JrnyMarketing

Naturally, these are all attractions inside Yellowstone National Park! It’s worth noting that both West Yellowstone and Gardiner are charming towns! The latter is more scenic with hotels stretching alongside the river, while you’ll find lots of restaurants and souvenir shops in West Yellowstone!

What did you love (and not love) about visiting Yellowstone ?

We visited Yellowstone at the end of May, just weeks after the main roads in the park opened after the winter closure. We knew the weather might be unpredictable, and wintery at times, so thankfully we went prepared with warm clothes and winter tires. While there were still lots of people visiting, we loved how accessible the main attractions were, despite reading about long lineups and impossible parking situations.

The only flip side was that some amenities weren’t open yet, both in the park and the towns we stayed in. This provided limited dining options for a family of vegetarians visiting a meat-loving state where buffalo burgers were the main attraction at every other restaurant. We did pluck up the courage to dine out one night and had an awesome time at Pete’s Rocky Mountain Pizza & Pasta joint! They were so welcoming and family-friendly, plus the veggie pizza we ordered was delicious!

With some picnic essentials and a microwave at the hotel, we mostly embraced the laid back (and cheaper) hotel room dinners and packed a bag of food for each day in the park. For travellers with a baby, this was the perfect way to fuel ourselves!

Top tips for visiting Yellowstone with a baby

Whether you have a baby, or not, Yellowstone is the perfect place to slow down and take your time. If you can afford to spend more than 3-4 days there, do it!

If you can visit during the shoulder season, it will pay off when it comes to beating the crowds. If you’re keen to hike, going in September would be better than May, as the snow was still melting at higher altitudes, and some trails were closed to give the Grizzly Bears and their cubs the space they needed at this time of year.

Save time and money by packing a picnic for lunch. There were limited options for food and refreshments in the park, and having a cooler packed up each day meant we could stop as and when we felt like it. Often, we pulled over to a quiet picnic spot and tucked into sandwiches while our little one napped. With stunning views at every turn in Yellowstone, it sure beats lining up for overpriced burgers at the few diners located near the main attractions.

Prepare for all weathers! Even in July it’s been known to snow at Yellowstone, due to the park’s high elevation. From suncream and baseball caps, to gloves and puffer jackets  – there’s a good chance you’ll need it all at some point.

Parent and baby at Yellowstone © Rachael Bilby @JrnyMarketing

© Rachael Bilby @JrnyMarketing

For travellers with a baby, these are our top tips:

  • We highly recommend taking your own travel crib and a Slumberpod blackout tent. We made sure our baby was familiar with it before our trip and it meant he was well-rested every day. Plus, us parents could relax in the hotel room and watch a movie while he peacefully snoozed in the dark!
  • Hit the road at nap time! Our little guy was still taking 3 naps a day, and with an hour’s drive from the hotel to most attractions, we intentionally set off in time for him to nap. Once we arrived at an attraction he was refreshed and happy to go in the baby carrier to explore!
  • Book accommodation with a fridge, microwave, and a pool! The pool might seem like a luxury, but after spending so much time in the car seat and baby carrier each day, it allows him to stretch his muscles and burn off any leftover energy before bedtime.
  • Have a comfortable baby carrier, like the Ergobaby 360, to help your little one see the wonders of your travels. They’ll pretty much get to see the park with the same perspective as you, plus it’ll be a welcomed break from their car seat!

Would you go again?

Absolutely! We’ll definitely be heading back to Yellowstone once our little guy is older and able to hike some of the trails that weren’t feasible this time around. We know he’ll love seeing the wildlife and epic scenery once he’s old enough to comprehend the science and stories that make it so magical.

Author Bio:

Rachael Bilby is a first-time Mum and Marketing Consultant with a love for travel. Originally from Essex in the UK, she now lives with her family in Kelowna, Canada, and loves exploring British Columbia and surrounding provinces and US states. Learn more about Rachael at rachaelbilby.com.


Travelling with a baby? Get a family travel insurance quote today!

Get in touch with us for a quote or call us on 01892 833338.  We offer a 24/7 multilingual helpline and carefully tailored policies to suit the unique needs of you and your family!


 

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Our Guide To Budget-Friendly Travel Worldwide

Don’t let a tight budget stifle your globetrotting dreams! Here are some great tips to make every penny go further than you’d think! 

Image by martaposemuckel CC0

Plan to go off-peak. The cost of flights and accommodation during key holiday seasons is huge compared to going off-season, or during shoulder seasons. This doesn’t mean you’ll be missing out on the best times to travel either, it just means that you’ll be going the week after or week before a key school holiday!

Book in advance. Last minute deals are pretty much a thing of the past. If anything, the scarcer the spaces become, the more expensive they are likely to be. Book ahead of time if you can to secure top deals.

Curate your own flight schedule. There is a lot to be said about package deals, but you could eek out even more savings if you are willing to fly from one airport and back in at a different one, even with different carriers! For long haul flights it can actually be vastly cheaper to fly from the UK to mainland Europe and catch an onward flight.

Tap up the apps. Travel apps often highlight great deals, and there are also ones such as LuckyTrip who can curate a whole break based on your meagre budget. Well worth a play to find out what’s possible!

Join a worldwide travel club. These clubs offer discounted rates on flights, accommodation, and activities for their members as well as exclusive deals and packages for popular destinations.

Open your mind to alternative accommodation. While hotels may seem like the most convenient option, they can also be the most expensive. Hostels, Airbnb, or even house-sitting and couch-surfing could save you enough money to keep travelling for longer!

Get a bus. Or train, tram, or even hire a bike. Instead of relying on taxis or car hire, public transport or bike hire can save you a lot of money, especially in larger cities

Get travel insurance. Honestly, the cost (and stress) of missed flights, lost passports, stolen belongings or medical treatment abroad is a lot more than you think. Travel insurance has the potential to save you a LOT of money!

Seek out the free stuff to do. Everywhere has free activities and attractions! Do some research before you go and find out about free walking tours, museums, and festivals in the countries you are visiting, and when you get to your destination, get more info about things to do from the local tourist office, your host or hotel!

Save money with travel insurance!

Having the right travel insurance will bring you total peace of mind should your trip not go to plan. With a 24/7 multilingual helpline and carefully tailored policies to suit your unique needs, our policies offer the cover you know you need. Get in touch with us today for a quote or call us on 01892 833338.

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EU Car Hire Excess Insurance for Holidays to Europe

Minor prangs are much more likely when you are driving an unfamiliar car on the opposite side of the road. Here’s how damaged happened on our holiday and how the right excess insurance could have saved a lot of worry (and money)!

car hire excess insurance

Image by Thamlamm CC0

Why damaging a hire car abroad sucks (without the right excess insurance)

My first run-in with a large bill from a car hire company abroad was after friends hired the car at the airport, went with the hire car’s car hire excess insurance, and then a few days after returning the car (undamaged and with no issues) they get a bill for over €1,000 for “damage” not covered by the excess insurance.

In this scenario, because the excess insurance was with the car hire company, there was no way of calling upon them to fight the case on our behalf. It felt like it was its own moneymaking machine! I’m unsure the route my friends took to deal with this, but I know they were lumbered with months of stress from it.

Fast forward a few years and this time, we are involved in a prang. A silly one at that. The father-in-law reversed into a low wall, partially ripping the bumper off and leaving some deep scuff marks in it even if it could be forced back on.

The truth is, being a competent driver in the UK doesn’t necessarily translate to being a competent driver abroad. The car was unfamiliar, as was the layout of the roads, there was stress from driving on the right-hand side in general, and things like that can accumulate into silly mistakes that can be costly.

How would having car hire excess insurance from someone else help?

There are a few things at play here. Firstly, excess insurance provided by the hire company has a long list of exclusions, things that are not covered by the insurance that you will have to pay for such as:

  • Damage to tyres
  • Anything to do with the underside of the vehicle
  • The expected wear and tear from driving e.g. damage from loose chippings
  • Windscreen damage
  • Lost keys

(The most common stuff I think you’ll agree!)

Add to that the hire company’s insurance is a money-maker, so as well as being not very useful, it is generally more expensive than insurance from an unconnected company.

Car Hire Excess Insurance from a dedicated travel insurance company covers the types of things that are on the exclusion list from the car hire company and is cheaper because it’s not part of the hire company’s revenue stream!

Plus, if you incur damage that isn’t your fault, it is easier to dispute a claim if you have taken separate insurance – remember, the car hire company want as much money as they can from you.

Want to know more about car hire excess insurance before you travel?

Head on over to our blog What Is Car Hire Excess Insurance? (and do I need it?), which explains how to minimise charges from a car hire company, what to do if the hire company insist you take their excess policy, and also the benefits of getting insurance with us before you travel. Or go straight to our Car Hire Excess Insurance page. Alternatively call our team on 01892 833338

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Crete – A Guide to a week well spent in Georgioupoli

Come on an adventure to northern Crete, where sunshine, sea, turtles and endless raki will fill your heart with wonder!

© Kerry McCarthy

Where to stay in Georgioupoli

To save money, and a lot of organising, we chose an easyjet holiday that included flights, transfers and accommodation at Athena Apartments Hotel, which was an absolute delight. Sitting just on the edge of the town we had the benefit of not being in the hustle and bustle of the centre but we were also a very short walk away from everything as well!

  • Beach & beach club – 5 minutes
  • Nearest taverna – under 1 minute
  • The main square – 10 minutes
  • The harbour area – 15 minutes

The apartments were very clean, well presented and spacious, and there was a pool surrounded by gardens, so we didn’t feel like we were backing onto another hotel. We just about had sea views, and wonderful views of the mountains too. The owners were incredibly friendly and very helpful indeed, we would definitely go back!

Image of coast Georgioupolis Crete

© Kerry McCarthy

Things to do in Georgioupoli

Eat, drink, shop, sail, swim, snorkel, sunbathe… There is plenty to do here, and lots of excursions from the nearby hotels and beach bars. The beach is very very long, so plenty of places to bag a parasol and get served drinks and snacks whichever direction you go! Here’s what we got up to:

Kalivaki Taverna Beach Day. Here you’ll find the best bit of beach, super soft sand and very safe swimming. The water is shallow for quite a way, and crystal clear, free from seaweed and stones. The Taverna serves up amazing food (small cheese pies are a must, along with stuffed vine leaves and zucchini flowers), and is attached to accommodation if you want to make this place your base.

Kalivaki beach is on the far end of the town, near the harbour and has a river running into it which if you look carefully is filled with fish and turtles! Don’t miss the amazing models of forts, amphitheatres and other amazing Greek architecture just around the back of the taverna.

© Kerry McCarthy

Lake Kournas. We took the “fun train”, a cheap (€7 per adult return) short journey on a road train from Club Tropicana Beach Bar up to the only freshwater lake in Crete. I cannot recommend visiting this place enough, especially if you are with kids. The lake is huge, surrounded by mountains, is crystal clear and you can hire pedalos to go explore and see the turtles!

Definitely take your swim stuff and a snorkel set too as the water is ideal for exploring, and you might even be able to bag yourself a pedalo with a slide. The place really is huge, so you it doesn’t feel like you are in amongst everyone out on the lake. There are also tavernas where you can refuel, and sunbeds amongst the greenery if you want to spend a day there.

Eat delicious local food! We had fresh fish at Poseidon Seafood Restaurant – I can personally vouch for the seabass, traditional Cretan food at Nostos – my son wanted us to go back for the grilled cheese, I wanted to go again for the grilled squid; and more of the same at Taverna Babis, where I had the best prawn saganaki I’ve ever eaten. All of these places are within a five minute walk of each other, and also served amazing souvlaki (grilled meat on a skewer).

Be warned – portion sizes here are huge! I doubt there are many people who would be able to fit an appetiser along with a main meal in one sitting!

© Kerry McCarthy

What I loved (and did not love) about Georgioupoli, Crete

I loved how friendly everyone is, and the custom of serving Raki as a complementary drink after eating, along with dessert. I also quite enjoyed the fact that the Raki just keeps on coming. It is most certainly an acquired taste, but after the first shot, you get used to it! Kalivaki Taverna served theirs ice cold and with cherries. Amazing!

There wasn’t much not to like at all, I guess if I was to pick anything, it’s getting used to the Greek sewerage system and remembering not to flush paper down the toilets!

© Kerry McCarthy

Would I go to Georgioupoli again?

Yes, I would. It is a lovely laid back place to be based and there are plenty of excursions and day trips to other areas of the island. Next time we go, we want to explore some of the beaches on the southern side – Elafonissi beach is high on the list for its pale pink sands!

Get travel insurance for your trip to Crete!

You want your trip to be memorable for all the right reasons. We offer a 24/7 multilingual helpline and carefully tailored policies to suit your unique needs. Get in touch with us today for a quote or call us on 01892 833338.

Travel Writer Bio

Kerry McCarthy is a travel writer, author, artist, and breathwork instructor. You can see more of her adventures on Instagram @kerrymccarthystars.

© Kerry McCarthy

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Going to Japan? Top Travel Tips for First-Timers

Japan is a country that is rich in culture, history, and natural beauty, and a bucket-list destination for travellers from all over the world. However, for first-timers, navigating Japan can be overwhelming. From dealing with the language barrier to cultural differences, here are travel tips to help you make the most of your trip.

Japan Travel Image

Image by Walkerssk CC0

1. Timing is everything

Japan is a beautiful country all year round, but the best time to visit depends on your preferences. If you want to see the famous cherry blossoms, plan your trip between late March to early April. If you want to experience the vibrant fall foliage, visit in late October to early November. Keep in mind that peak seasons mean higher prices and larger crowds, so plan accordingly.

2. Book Accommodation in Advance

Japan is a popular tourist destination, and accommodation can fill up quickly, especially during peak seasons. It’s best to book in advance to ensure you have a place to stay during your trip.

Top tip: consider staying in a traditional Japanese ryokan for a unique experience.

3. Get a Rail Pass

If you plan on travelling to multiple cities in Japan, consider getting a Japan Rail Pass. This pass allows you to travel on most trains operated by Japan Railways, including the famous bullet trains. It can save you a significant amount of money on transportation costs.

4. Learn Basic Japanese Phrases

While many Japanese people can speak English, it’s always helpful to learn some basic Japanese phrases. This will not only make it easier for you to communicate with locals, but it will also show that you are making an effort to respect their culture.

5. Respect Local Customs

Japan has a rich culture and many customs that may be different from what you’re used to. It’s important to respect these customs, such as taking off your shoes before entering a home or temple, and not tipping at restaurants.

6. Try Local Cuisine

One of the best ways to experience a new culture is through its food. Japan has a diverse and delicious cuisine, from sushi and ramen to okonomiyaki and takoyaki. Don’t be afraid to try new dishes and explore different restaurants.

7. Carry Cash

While credit cards are widely accepted in Japan, it’s always a good idea to carry some cash with you. Some smaller shops and restaurants may only accept cash, and it’s always helpful to have some on hand for vending machines and public transportation.

8. Get travel insurance for your trip to Japan!

You want your trip to be memorable for all the right reasons. Having the right travel insurance will bring you total peace of mind should your trip not go to plan.

 

With a 24/7 multilingual helpline and carefully tailored policies to suit your unique needs, our policies offer the cover you know you need.

Get in touch with us today for a quote by calling 01892833338 or visiting worldwideinsure.com

 

 

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Pregnancy Coverage in Travel Insurance

Embarking on a babymoon is an exciting and memorable experience, but it also comes with its own set of risks and concerns. Here’s what you need to know about specialist pregnancy travel insurance to have a worry-free trip.

Image of pregnant lady on holiday

Image by Bgmfotografia CC0

Why Is Travel Insurance Important for Pregnant Women?

Pregnancy can bring unexpected complications, and travelling to a foreign country can add to the stress and uncertainty. Having travel insurance can provide peace of mind and financial protection in case of any unforeseen circumstances involving the health of you and your baby as well as your belongings.

Medical Coverage – One of the main reasons to have travel insurance while pregnant is to ensure you are covered in case of any medical emergencies, such as premature labour or pregnancy-related complications. Travel insurance can cover the costs of medical treatment, hospital stays, and even emergency medical evacuation if needed.

Trip Cancellation or Interruption – Pregnancy can also bring unexpected changes in plans. If you need to cancel or cut short your trip due to pregnancy-related complications, travel insurance can cover the costs of non-refundable expenses such as flights, accommodations, and activities.

Peace of Mind – Travelling while pregnant can be stressful, and having travel insurance can provide peace of mind. Knowing that you are covered in case of any emergencies can help you relax and enjoy your trip without worrying about the financial burden.

 

What Does Pregnancy Travel Insurance Include?

In a nutshell, travel insurance for pregnancy includes the usual cover for any travel insurance, but with the added protection of pregnancy related complications and a variety of gynaecological conditions.

image of pregnancy travel insurance benefits

●      Medical Expenses

●      Repatriation

●      Trip Cancellation or Interruption

●      Emergency Assistance

●      Loss or theft of personal belongings

●      24/7 multilingual helpline

However, if you have had complications in a previous pregnancy or are travelling beyond 28 weeks and have an existing medical condition that could impact your pregnancy, you will need to be screened by our team to ensure that we build the right travel insurance package to meet your needs.


Get peace of mind before you travel – call our team on 01892833338 to get a pregnancy travel insurance quote to cover you on your next trip.


 

Travel Safety While Pregnant

  • Although you can travel up until 36 weeks pregnant (note that some airlines have a lower limit, especially for long-haul flights) a babymoon is best taken before you reach 28 weeks. Not only is it considered safer, but you will likely have more energy to enjoy your break before baby arrives.
  • For your comfort and to minimise risk of DVT, keep to flights that are under three hours and try to avoid lengthy transfers at your destination.
  • Choose a location that has good transport connections and medical facilities, and don’t forget to take your GHIC (the new European Health Insurance Card), and make sure you have adequate travel insurance to meet your needs.
  • Remember to pack your maternity notes! If you become unwell during travel or at your destination this will make things a whole lot easier when you go to get treatment.
  • It is recommended to avoid areas where you would need a vaccination to travel – live vaccines can be harmful to an unborn child, but having them is recommended if travelling to a high risk area. Places with Malaria, Zika, and Dengue are very high risk destinations during pregnancy.

Find out where you could spend your babymoon in our Babymoon Destination Guide!

 

 

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