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:
CANCELLATION 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
- An epidemic or pandemic disease
- 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.
LUGGAGE: 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 and that your policy includes ‘Cancel-For-Any-Reason’ cover. 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
Travel 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.
For those travelling from the United States, there is the US Travel Insurance Association which lists numerous member companies www.ustia.org
Travelex Insurance Services:
CSA Travel Protection:
Worldwide Travel Insurance Services Ltd:
LINKS 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.