What level of insurance cover do you need when planning a skiing trip?

Winter sports such as skiing, snowboarding and sledging are often additional extras on our holiday travel insurance policies rather than being included as standard cover. The costs involved if you have an accident when on this type of holiday can be exorbitant as you may need to be rescued by helicopter if you injury yourself in an area that is inaccessible to vehicles, you may not be able to return on your scheduled flight, need to stay additional nights at your hotel and have to pay medical costs therefore it is definitely worthwhile purchasing additional cover which is not usually too expensive.

The fine print of your policy will need to be examined to check which specific winter sports activities are covered and whether there are any conditions for example some policies state that skiing off-piste will only be covered if you are accompanied by a guide or only recommended routes are allowed.

If you are a frequent traveller an annual multi-trip policy is advised as this usually works out cheaper and is more convenient.

As with most holiday travel insurance policies any pre-existing medical conditions must be declared, or the insurance could be invalid which would result in a huge cost to you.

Planning your honeymoon trip

Planning a honeymoon can be an exciting time. You will have had your big day and now be looking forward to jetting off in to the sun for a week or two with your new husband or wife. When panning your honeymoon there are a few decisions you will need to make prior to starting your search. Firstly you need to know what time of year you want to go, are you going to go straight after your wedding or leave it a few weeks? Then you need to work out what budget you have to spend on the holiday. If you have a low budget then you may wish to wait and book a last minute holiday often saving hundreds of pounds and allowing you to go somewhere you may have thought was out of your budget.

If you have children then you will need to decide if you are going to take them with ou or if you are going to have someone look after the children for you. If you are not going to take them then you will need to check that you can arrange a friend or family member to have them whilst you are away.

Worried about your holiday plans with Thomas Cook?

Over the last few days a huge number of people have been affected by the collapse of Thomas Cook. Thomas Cook is a tour operator and airline that has been running since 2007 after integrating with another travel company.

With Thomas Cook no longer in action, many holiday makers who were abroad with them at the time of collapse are desperately trying to get home. It is said that currently 60% of travellers are still stuck abroad many of whom say they are getting little information.

Luckily package holidays booked through Thomas Cook are ATOL protected meaning you will not lose any money and they will ensure you get home, but if you have a holiday booked for the next few weeks, you may not get your money back in time to book another holiday.

There is very little that can be done to prevent this type of rare occurrence happening, but taking out a good quality travel insurance package at the time of booking may come in handy.

Always check all flight and hotel details before you travel and try and prepare for a situation where you may be delayed getting home should something like this happen to you.

Short breaks for families

In the UK love a good beach holiday. Often, as soon as we see we are in for a warm few days, we pack up the car and head over to the nearest seaside resort, whether it be for the day or a short break.  Resorts such as Blackpool, Newquay, Barmouth, and Weston Super Mare are typical seaside towns that continue to draw thousands of tourists year upon year. As long as there is sun, sand and sea, the tourists will come.

If you are looking for a family holiday for a weekend or week away then you may decide to book a hotel or go camping in or near one of these seaside towns. If you fancy something that offers a lot of onsite entertainment come rain or shine, then you may opt for somewhere such as Butlins or Pontins. These are two of the largest family holiday resorts and they are situated all over the UK. They have resorts in beach locations as well as in shore and there’s plenty of activities for all the family. Minehead Butlins offers a wide range of activities for children and adults of all ages and has a golden sandy beach literally a stone’s throw away from the resort entrance.

These type of holidays often cost a bit more than staying in a caravan on a camp site but you will find that you spend less when there as most activities are included in the price you pay.

Is all inclusive actually cheaper than self-catering?

When you are looking to book a holiday abroad you will probably assume that self-catering is the cheapest way to go. The upfront cost of a self-catering holiday is often quite a bit less than all-inclusive holiday but there are other costs you need to factor in.

Even if it is relatively cheap to eat out, you may find that drinks are a little expensive. Often a couple will need around £100 a day for two of them for meals and drinks. This means for a week’s holiday self-catering, you will need to take in excess of £800 with you for spending money.

All-inclusive holidays include all you meals, most drinks and often snacks too. Even if you decide to eat out a few times a week and go to a bar one of twice you may still find that it is cheaper to go all-inclusive than if you had chosen to go self-catering.

Often when going all-inclusive, you will find you get other perks too such as free pool towels and mini bar in your room. If you do not have much spending money you can still have an amazing time and ensure that you are feed well and can have a few drinks.

Planning for a medical emergency when on holiday

It is one of those things that we hope we will not need to know, but it is always worth reading up about medical treatment in the area you are travelling too. This is most important when going abroad but you should also check even if staying in the UK. If you have a specialist medical condition then you will need to search for hospitals that could treat you should you need assistance. If you are pregnant, then you may want to find nearby maternity hospitals and also ensure you have your pregnancy notes with you at all times.

Many larger complexes have a doctor on site or nearby that you can see. Check with reception to see what you need to do if you should require a doctor as often there will be a dedicated phone number you can call.

When going away from home it is always best to plan for situations such as medical emergencies. It is better to know what to do and not have to use it than not have a clue and find yourself panicking in an already stressful situation.

If you need prescription medicine, be sure to take a copy of a recent prescription with you when travelling.