Nobody expects to cancel or curtail their travel arrangements,
but every year generally due to unfortunate circumstances there are a few who
are left in this position. When considering whether to take travel insurance or
not it is most important that you understand the financial loss which you will
incur in relation to not only your holiday costs but also those associated with
medical and health cover for an injury or sudden illness abroad. For example an
air ambulance is likely to cost in excess of £45,000.00 from the UK to the
USA's east coast. Even a scheduled flight, stretcher and doctor escort to Australia
will be in excess of £20,000.00. Many people think their credit card accident
cover, home insurance, or private health cover is sufficient but in most situations,
this is not the case.
Your Travel Insurance should cover the whole time
you are away and include a minimum of the following:
or Curtailment Cover: A number of situations may cause you to call off your
trip or cut it short. This may be for a number of reasons including the following:
Injury or illness of insured, travel companion, family member, or business partner
Hurricane or natural disaster strikes destination
~ Terrorism or mandatory
evacuation at destination
~ Home or business damaged, vandalised, or burglarised
Jury duty or military redeployment
~ Required to work, terminated, or transferred
Victim of felonious assault prior to trip
~ Traffic accident prior to trip
Theft of passport or visa prior to trip
Medical and Health Cover:
Medical and Health Cover for an injury or sudden illness abroad, 24 hour emergency
service and assistance, personal liability cover in case you are sued for causing
injury or damaging property, lost and stolen possessions cover, extra cover for
hazardous activities that are commonly excluded from standard policies.
Reimbursement for lost, stolen or damaged luggage and belongings throughout your
trip along with travel assistance to replace lost or stolen prescriptions, passports,
visas or other important travel documents.
Delays: Coverage for
trip delay and baggage delay, providing reimbursement for unplanned hotel expenses,
meals, clothing and transportation costs.
IMPORTANT: Always ensure
that your policy refunds the full cost of your holiday. It must pay out if you
need to cancel or cut short a trip. Your policy should also cover any pre-paid
expenses such as excursions, golf, dinners. Also, it is common practice for insurance
providers to only accept applications within a few days of making a reservation
and paying the deposit for a schedule. It is therefore recommended that insurance
should be taken early in the booking process.
Finding an Insurance Policy
insurance should be purchased in the country of your main residence and many companies
can be found through an internet search. To assist, we have listed a selection
of companies below who you will be able to get an online quote from.
those travelling from the United States, there is the US Travel Insurance Association
which lists numerous member companies www.ustia.org
Insurance Services: www.travelexinsurance.com
Travel Protection: www.csatravelpro.com
Mondial Assistance: www.mondial-assistance.com
Travel Insurance Services Ltd: www.worldwideinsure.com
Golf St Andrews Terms and Conditions
Links Golf St Andrews cancellation
terms and conditions can be found here.
The payments we receive from our clients are distributed firstly as deposits to
secure your bookings and then as final payments prior to your arrival. This is
done in accordance with our terms and conditions and reflects the terms of our
industry partners. Should you require to cancel or curtail your travel plans,
these cancellation terms will apply.