Will you be covered by your travel insurance?

We are in worrying times and faced with the ultimate decision would you choose health over money. Is it worth the risk?
Insurance is a necessary evil and an added expense designed to safeguard travellers. It could be a saviour if you are caught in a difficult situation once you are on your holiday. But will it cover you if you want to cancel your holiday and stay at home?  

Insurance rules for epidemics and pandemics

Unfortunately, everything comes down to the stuff we hardly ever read – the small print. Previous outbreaks of world-threatening viruses like SARS, Ebola and Zika, have influenced insurers to be cautious and include only the necessary coverage for such events. And epidemics and pandemics have become excluded from most insurance coverage. Leaving holidaymaker covered for what will happen to them, but not what might happen to them. The World Health Organization has declared the latest virus outbreak as an international health emergency. However, although the insurance companies agree, they aren’t surprised by the newest virus to reach epidemic proportions, and to them, it is an expected risk they have already factored into their policies

Despite the lockdown happening in Italy at the moment, Europe is not on code red yet. There has been no official warning from the FCO not to travel in Europe. Special care should be taken in areas of South Korea (Daegu & Cheongdo) and China is still a no go zone. An FCO warning is the deciding factor for the airlines, travel agents, holiday and insurance companies, to motivate them to cancel flights or holiday packages and issue refunds.

Should I take my family on holiday?

The general insurance small print on the matter of epidemics or pandemics states that most claims will be assessed based on individual cases. But this doesn’t give much assurance to an average family about to embark on an international flight. And it doesn’t provide enough information for anyone debating whether to put health & safety first and stay at home instead. At the moment The Foreign and Commonwealth Office (FCO)  and the government are asking travellers to reconsider their need to travel rather than giving a direct warning. Unfortunately, this doesn’t mean much to the insurance companies and asking the public to contemplate whether it is wise to travel will not entitle them to a refund for their holiday. Deciding to travel without heeding the advice of the FCO may forfeit your right to claim back any of your medical expenses or costs of repatriation. However, if your destination was not on the ‘no go’ list when you travelled but has subsequently been upgraded, you will fall into an insurance grey area, and any settlement will be based on discretion when you make a claim. In some areas, the risk may be low, but that doesn’t mean that in the worst-case scenario, it won’t escalate or in the best-case, diminish to nothing. Cancelling a holiday you have promised your kids for months. Or have saved your pennies to make happen, is a tough choice. But there may be other factors to consider when making a final decision. Do you need to go? Is your health good? Is anyone you will be travelling with vulnerable (young, elderly, or has a suppressed immune system? The decision will be a real tug of war between your head and your heart.

Best and worst-case scenarios

If you’ve planned your trip a long way in advance. Hopefully, you booked your insurance before the latest epidemic scare started too. If so, it is likely you will be refunded if the FCO advises against travel to your destination, and your journey is cancelled, rescheduled or shortened by the providers. Unfortunately, if the FCO haven’t declared your destination a ‘no go’ zone, it is unlikely that you will be able to recoup any of your initial your costs unless you can change or defer your holiday. Hotels are usually more forgiving in these cases. And some airlines are more forgiving when changing flights than others. However, the budget airlines tend to be strict unless you have taken precautions in advance and booked a trip with extra adaptability. If you decide to take the risk and travel to a destination not banned by the FCO, you should be medically covered if something happens, as long as your insurance policy was booked in advance. However, the level of cover differs between companies and policies. And make sure you take appropriate precautions to reduce the risk of infection. Otherwise, it is unlikely you will receive any compensation at all.

Digital Detoxes to Celebrity Chefs, Experience Next Year’s Biggest Travel Trends

Digital detoxes, farm-to-fork cuisine and opulent spa treatments are just a few of the travel trends predicted to attract holidaymakers in 2014. With travellers demanding more than ever from their well-earned holidays, Orient-Express Hotels Ltd.’s luxury hotels, trains and cruises offer a range of on-trend experiences and packages to cater to the 21st-century traveller’s every whim.

travel trends

Holidays are no longer seen as an excuse to over-indulge, with an increasing number of travellers looking to maintain their exercise regime during a ‘Fitness Fusion’ break. Guests at Napasai on Koh Samui, Thailand can discover the ancient art of Muay Thai in the hotel’s authentic Thai boxing ring; La Residencé Phou Vao in Luang Prabang, Laos has introduced archery lessons in its UNESCO World Heritage garden; and golf enthusiasts can improve their swing during a golf tour on The Royal Scotsman, the UK’s only luxury sleeper train. Athletic types can discover local sites during a jogging tour with a personal trainer at Hotel Caruso in Ravello, Italy or take on even tougher fitness challenges such as the Angkor Wat Half Marathon at La Residencé d’Angkor in Siem Reap, Cambodia and the Madrid Marathon at Hotel Ritz Madrid in Spain.

Given that many people now sleep next to their mobile phones, it’s unsurprising they crave a ‘Digital Detox’ to escape the demands of modern technology while on holiday. Luxury river cruisers Orcaella and Road to Mandalay in remote Myanmar offer the ultimate switch-off experience, with no Wi-Fi or phone reception to distract guests from the spectacular backdrop of golden temples and remote villages. Limited internet access on board the barges of Afloat in France also encourages quality family time, as children abandon their iPads to help the crew navigate through scenic Burgundy.

The public’s passion for ‘Celebrity Chefs’ shows no signs of waning in 2014 and travellers can now engage with their favourite culinary masterminds on holiday. Next year, some of the UK’s most celebrated chefs including Marcus Wareing, James Martin, Tom Kerridge and Raymond Blanc are set to create pop-up dinners on board luxury UK day train the British Pullman, while Ken Hom will front a new Pan Asian restaurant at the iconic Copacabana Palace in Rio de Janerio, Brazil.

Travellers are increasingly eager to broaden their skillset on holiday with ‘Brain-Boosting Experiences’ led by experts. Next November, acclaimed author Alexander McCall Smith will lead an intimate six-day safari through the setting of his No. 1 Ladies Detective Agency series at Eagle Island Camp, Savute Elephant Camp and Khwai River Lodge in Botswana, Southern Africa. Guests at Jimbaran Puri Bali in Jimbaran Bay, Bali can create their own scent during a perfume making workshop, while drink connoisseurs can meet winemakers during Afloat in France’s week-long Grands Crus Cruise and take a four-night whisky tour on board The Royal Scotsman, partnered with The Scotch Malt Whisky Society. Back in the UK, budding chefs can spend a day in the Michelin starred kitchen at Raymond Blanc’s Le Manoir aux Quat’Saisons in Oxfordshire.

People have never been more conscious of what they eat, with an increasing focus on locally produced, ‘Farm to Fork’ cuisine that extends to their holiday. Guests at Mount Nelson Hotel in Cape Town, South Africa can experience the trend first hand during an urban foraging experience, collecting culinary treats from the local landscape which are then prepared by the hotel chefs. In another nod to sustainable produce, El Encanto in Santa Barbara, California produces branded cheese using milk from the hotel’s own cow, Ellie, and prepares restaurant dishes using ingredients from an on-site organic garden.

Spas are getting even more creative with their treatments, with a focus on opulent and unusual ‘Treasure Treatments’ in 2014. Charleston Place in South Carolina, USA offers an exclusive 24-carat gold facial, guests at Reid’s Palace on Madeira, Portugal can indulge in a luxurious body treatment using caviar and the spa menu at La Residencia in Deia, Mallorca includes a purifying treatment containing diamond dust.

Once-in-a-lifetime experiences are more popular than ever as travellers strive to make the most of their time away with ‘YOLO’ (‘you only live once’) and ‘FOMO’ (‘fear of missing out’) activities. Guests at La Residencé d’Angkor can capture the ultimate Kodak moment during an open-sided helicopter ride over Cambodia’s world-famous Angkor temple complex. Hotel das Cataratas in Iguassu, Brazil, offers a thrilling flight over the spectacular Iguassu Falls and luxury sleeper train, the Venice Simplon-Orient-Express, evokes the golden age of travel during an unforgettable journey from Venice to Istanbul, passing through Bulgaria, Bucharest, Budapest and Vienna.

Further details or to book, please call the UK Reservations team on 0845 077 2222 or visit www.orient-express.com.

HotelTonight, the app for last-minute hotel stays, launches new destinations

hotelHotelTonight, the app for last-minute or spontaneous hotel stays,

launches new destinations in France, Italy, Spain and Mexico

 

HotelTonight, the first ever last-minute hotel booking app, has recently added more than fifteen new destinations to its roster of vibrant cities worldwide. This brings the total reach of the app to 12 countries and 100 destinations worldwide.

 

To tie in with the peak travel season in Europe, HotelTonight is adding popular European destinations, including Lille, Lyon, and Marseille in France; Barcelona, Madrid, and Malaga/Costa del Sol in Spain and Florence, Rome and Milan in Italy. The last minute hotel booking app is also offering its over five million global users new destinations in Ireland, Mexico and for those who prefer holidaying closer to home, HotelTonight has added Brighton to its list of best UK hotel deals.

 

This recent international expansion is part of its pledge to be ubiquitous and accessible to all last minute travellers and follows last week’s global announcement of new features including “Snap Your Stay” which allows customers to photograph and share images of their hotel with friends and other HotelTonight users, and the “HT Price Guarantee,” which guarantees its rates against competitors’ offerings.

 

HotelTonight is now partnering with almost 2500 hotels across the globe in the  ‘hip’, ‘luxe’, ‘charming’ and ‘solid’ categories. Hotels include the stunning 5 Star The First Luxury Hotel in Rome, and the charming Palazzo Vecchietti in Florence, the Kempinski Hotel Bahia Estepona on the Costa del Sol and the hip Music Hotel in Marseille. These hotels and others across Europe are perfect for an impromptu weekend break. There are also many more hotels more on the mid to basic level which are perfectly suited to business travellers’ needs.

 

At the same time as adding these new destinations, the company has also expanded its European operations, relocating to a new, larger office in London’s Covent Garden and building out the team with new Country Managers for Italy and Spain.

 

The Hotel Tonight app offers unbeatable deals on hand-picked hotels, with bookings opening at midday and closing at 2AM. Last minute travellers can book a hotel in less than ten seconds with three taps and a swipe, starting that day for one night or more.

Visit www.hoteltonight.com for more information and to download the free app.

 

For staycations, in the UK, cities include Birmingham, Brighton, Edinburgh, Glasgow, Liverpool, London and Manchester.

Women Miss Their Pets More Than Their Boyfriends.

NOT ALWAYS’S A MAN’S BEST FRIEND…

One-in-five women miss their pets more than their partners during prolonged absences, according to new research.

Almost 30 per cent think about their dogs and cats at least twice a day when separated for a week or more.

But only half that number think about their boyfriend or husband as often, a poll of female pet owners reveals.

They also worry more about their pets’ welfare – and if they are “eating well” – than their loved ones’ own health.

In fact, over 75 per cent ensure the cupboards are stocked with pet food and treats before they leave, yet far fewer are concerned about the man of the house going hungry.

Meanwhile, one-in-three would cut their trip short “at the drop of a hat” if their pet fell ill or had a minor incident, compared to just one-in-10 for their partner.

The survey into female travelling attitudes also shows that 60 per cent admit to feeling “guilty” about leaving their pets to go on a “girly weekend”.

Only 28 per cent, however, will have the same crisis of conscience over leaving their man on his own for a few days.

The figures were revealed yesterday by short breaks website GirlyWeekend.com, which polled 1,500 of its visitors who own cats and dogs.

Website founder Pat Gardner said she “fully understands” the findings.

“As a pet lover myself, I can fully understand why women would miss their pets more than their partner while away on a girly weekend,” she said.

“Women tend to see their pet cat or dog like a baby, in need of constant care and attention. Men, meanwhile, are seen as being able to look after themselves.”

The poll also revealed that 65 per cent of female travellers would take their furry friend with them on a girly weekend if allowed to do so by their hotel.

Pat added: “We specialise in upmarket breaks for women around the country and one of the questions we get asked a lot is if the hotels and country halls will allow pets.

“It just goes to show much women value the company of their cats and dogs.”

For more information about female short breaks visit www.girlyweekend.com