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Travel Insurance
Travel Insurance


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The FCO have issued a warning today (12th January 2015) about Tropical Cyclone Bansi which is expected to hit Mauritius and Rodriguez Island later today.

Onestop4: experts in the provision of Travel Insurance, would expect a storm of this nature to significantly cause inconvenience to travellers. Cover under the section of a comprehensive travel policy for Natural Catastrophe will make provision for travellers affected by a storm of this nature. Please check your policy wording to establish if this cover has been included. If you are affected and need to make a claim you should contact the claim handlers detailed in your Policy Wording as soon as possible.
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Taking a winter sports holiday? Concerned by recent reports of problems with travel insurers? Get the facts here.
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What could be worse than having to cancel a holiday? How about having to cancel, then finding out you can't claim your money back? Read more here
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Ebola could affect your travel plans more than you might think.

South Africa, Kenya, Cape Verde, Seychelles and Mauritius are among the popular destinations that have closed their borders to anyone who was recently in an Ebola affected country. Follow the link to read more.
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The European Health Insurance Card and Private Health Insurance: What is the difference?
For the majority of travellers there is no question that when you are visiting a country where you would have to bear the full cost of any medical treatment that travel insurance covering you for medical treatment and repatriation is a must.
Some people though would argue that if you are travelling to Europe an EHIC might be enough.
The EHIC (European Health Insurance Card) provides UK residents access to state-provided healthcare at a free or reduced rate when temporarily visiting an EU country, Iceland, Liechtenstein, Norway and Switzerland. Applying for the card is free and it is valid for up to five years. You can apply online, over the telephone or even pick up an application form from the Post Office.
However, whilst the EHIC entitles you to medical treatment that may become necessary during your trip, advice from the UK government and the NHS is that the EHIC is not an alternative to travel insurance.
The EHIC does not cover the costs of private healthcare or services that are not part of the state healthcare system, nor does it cover the cost of mountain rescue in ski resorts, repatriation to the UK and dental treatment is also generally not available under the EHIC.
There have also been issues in some countries, such as Spain, with tourists ending up with high medical bills. In Spain some hospitals and health care centres offer both private and state healthcare and travellers have ended up paying for treatment they thought would be covered by the EHIC. As well as the private and public hospitals the Spanish healthcare system also has numerous 'hospitales concertados' which are privately owned but provide public services and should accept the EHIC, however there have been numerous reports where this has not the been case and British tourists have been left to foot the medical bill as they have not taken out additional private travel insurance.
Many travel insurance policies will waive the policy excess for a medical claim where an EHIC card has been presented and used to settle part of the medical costs arising from the claim.
As the NHS website states ‘The EHIC is not an alternative to travel insurance … Therefore, it is important to have both an EHIC and a valid private travel insurance policy.’ Whilst travel insurance is clearly important for all travellers, particularly for older travellers or those with pre-existing medical conditions a good private travel insurance policy is a must.
Onestop4: offer Fit-4-Travel, a unique insurance specifically for those who struggle to find appropriate cover due to either their age or their health conditions, enabling all traveller’s to enjoy their holiday with peace of mind, whether they are travelling within Europe or further afield.
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Travelling with Grandchildren

Travelling with your grandchildren can be a rewarding and enjoyable experience for everyone involved allowing you to create some lasting memories of your time spent together. It can also give the children’s parents some time alone to relax. It can, however, be stressful, especially if you are travelling with young children. Thinking about your trip before you travel can save you many of these stresses, enabling you and your grandchildren to make the most of your holiday.
If you’re planning on travelling abroad ensure that your grandchildren all have their own passports. If you are not the child’s legal guardian you will also need to have two further documents with you to travel overseas.
Firstly you should carry with you a notarised letter, signed by both of the child’s parents, giving you permission to travel with their child. This should include the exact date and destination of travel, as well as details of the flight numbers and children’s names as shown on their passports.
Secondly you will also need another signed letter from the child’s parents giving permission for medical care. Although you may not be asked for either of these documents it is still important to have them just in case.

Travel Insurance
When travelling with your grandchildren it is really important that you have taken out travel insurance. Small children in particular are often more susceptible to things like temperature changes, stomach bugs and dehydration. Taking out a good travel insurance policy will mean that you won’t have to deal with any unforeseen hospital bills should the unfortunate occur. Also travel insurance will cover lost or stolen items or any cancellation or curtailment that could affect your trip.
If you’re travelling within Europe then remember to take your European Health Insurance Card (EHIC) which helps ensure that some or all of your health costs will be covered in certain European countries. Under 16s should also have their own EHIC card, which a parent or guardian can apply for. You can apply for free online. (Hyperlink) []

When travelling with your grandchildren it’s a good idea to take a basic first aid kit with you. Included in this should be plasters, antiseptic cream, antiseptic wipes, insect repellent, bite cream, rehydration sachets and children’s painkillers.
Similarly it is important to check that your grandchild is up to date with all immunisations they might need for the country you are travelling to. Speak to your local GP or nurse a few months before your travel and they will be able to recommend any necessary vaccinations.
Sun protection is also very important for younger children, so a high factor sun lotion and a sun hat are essential for travelling with your grandchildren. Children are far more susceptible to the effects of the sun and heat, so always try to make sure they are out of direct sun between the hours of 11-3pm when the sun is at its strongest. If your grandchild does get caught by the sun, ensure they drink plenty of water to rehydrate and use a soothing after sun lotion containing Aloe Vera.
If you are taking your grandchildren to a resort with a swimming pool or to the seaside, then it is important that you understand the level of their swimming ability. Pack arm-bands if their need them or if the child has just recently learnt to swim and may be unsure. Also make sure you are aware if the pool or beach has a lifeguard on duty.
Similarly when you arrive at your destination, if travelling with young children, make sure that the immediate area is safe and secure, with no low balconies or windows.
Choosing the right place
It is important when travelling with your grandchildren that you are prepared and knowledgeable about your destination. With small children in particular, you want to know that when you arrive after a long journey that you have a place they can sleep if they need to, so book ahead.
Make sure before you book that there are plenty of things nearby to keep your grandchildren entertained, whatever age. Also before you leave make a few plans with your grandchildren to see what they would like to do and so you all have something to look forward to.

Whilst you’re there maybe help your grandchildren put together a scrap book of your holiday, collecting post-cards, shells, flowers and photographs so they can have a memory of your trip together whilst also keeping them busy. Ask your grandchild’s parents if there are any particular games or toys that will keep them entertained or a favourite teddy bear that they can’t sleep without.

Allow for extra time
Throughout your holiday you’ll need to allow for extra time whatever you’re doing. From catching a flight to getting ready to go out every morning, allowing for extra time will mean a lot less stress and a much happier holiday. Take it slowly and enjoy exploring with your grandchildren, as their joy at all the new experiences of a holiday will make this a trip for you all to remember.
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Norovirus risk on Cruise ships
In early 2014 Royal Caribbean’s Explorer of the Seas ship confirmed that hundreds of its passengers (634 out of 3071 to be precise) had fallen ill due to a norovirus outbreak.
In the first 3 months of 2014 cruise ships in US Ports reported 1170 cases of Norovirus – reporting is mandatory if the outbreak affects 2% of all passengers for all ships berthing US Ports. According to the Centres for Disease Control and Infection – this represented 9.84% of passengers on board the 5 ships affected. This figure excludes crew, who also were affected and reported seperately.
Whilst these major outbreaks are rare, norovirus on cruise ships is not. Knowing what to look out for and how to avoid contracting the virus are important if you are planning a cruise holiday.
Noroviruses are one if the most common causes of gastroenteritis, with vomiting, diarrhoea, mild fever and cramps being the most likely symptoms. The illness can last between 1-4 days. Although it is unpleasant the norovirus is not medically serious. However, among the elderly and young children it can cause dehydration and treatment may be needed to replace fluids.
On board cruise ships, the nature of the closed communities and living in close proximity with a large number of people, mean that rapid transmission of the virus can occur between passengers. Also the arrival of new passengers every few days can mean it is difficult to eradicate the virus without dramatic measures being taken such as taking the ship out of service for disinfection.  
The virus can be transmitted through contact with an infected person, poor hygiene, handling contaminated objects, eating raw or undercooked shellfish and also chilled foods, including salads and sandwiches.
The best and only approach to avoid infection is to maintain excellent standards of food and hand hygiene. Cruise lines take this issue extremely seriously, and on many cruise ships, passengers are asked to clean their hands with an alcohol hand-rub before entering dining areas, special care is taken to ensure foods are kept at the correct temperatures both in storage and during service. In case you do contract the virus it is a good idea to pack oral rehydration sachets and treatments for upset stomachs. A good quality insurance is also essential as treatment on board a cruise ship is extremely expensive.  Recent media articles have estimated this at over £200 per on-board Dr visit – we have heard of far more than this, so be warned.
Cruise Travel Insurance by Onestop4: is specifically designed for the needs of a cruise traveller. Onestop4: Cruise Travel Insurance offers cancellation cover for the full value of your holiday, even on a cruise that is £100,000 or more. OneStop4 also offers cover for mature travellers up to age of 100 and for those travelling with pre-existing medical conditions – subject to a free and fast medical screening.
Onestop4: Cruise Insurance is available via the Onestop4: website or calling 0800 848 8448
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Arctic Cruises: Emergency care in remote regions
The Arctic is a region blessed with specular scenery, natural phenomena and incredible wildlife. Cruises are fast becoming one of the most popular ways to visit this vast region and witness its unique beauty.
More and more British holiday makers are choosing the Arctic as their cruise destination and there are a huge number of different cruise operators offering a variety of activities and itineraries to suit all travellers. As some areas of the Arctic are uncharted and ice covered we advise that you should check the experience of the operator and compare them to others offering travel in the same region.
The uninhabited beauty of the Arctic should remind travellers of the potential remoteness of certain parts of the Arctic in case of the need for medical facilities or evacuation. On-board medical facilities, particularly if you have a pre-existing medical condition, are important factors to consider when choosing a cruise in the Arctic.
Whilst international search and rescue is taken very seriously by the Arctic States, you should remember that in the case of an emergency the nearest emergency response teams may be located hundreds of miles away they may be hampered by bad weather, take time to reach you and may carry limited medical care.
When booking your Arctic cruise operators should be happy to provide information addressing any concerns you may have regarding any and all emergency situations. Above all travel insurance is absolutely essential to cover potential medical emergencies. Onestop4: Cruise Travel Insurance offers cancellation cover for the full value of your holiday, even on a cruise that is £100,000 or more. OneStop4 also offers cover for mature travellers up to age of 100 and for those travelling with pre-existing medical conditions – subject to a free and fast medical screening.
Onestop4: Cruise Insurance is available via the Onestop4: website or calling 0800 848 8448.
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Fires in Chile’s popular tourist city of Valparaiso force thousands to evacuate
Over 10,000 people have been forced to evacuate the popular port city of Valparaiso in Chile. Forest fires spread to the city on Saturday night and the fast moving fire has so far killed 12 of the city’s residents.
Over 1,200 firefighters have been tackling the blaze and Chilean President Michelle Bachelet has put the army in charge of evacuation declaring the city a disaster zone and putting security forces on the streets to maintain order and prevent looting.
Valparaiso is a popular tourist destination and strong Pacific winds which have hampered the emergency response and have pushed the fire deeper into the city’s surrounding neighbourhoods. This has led to fears that the fire could spread to the centre of the city and the Unesco World Heritage Site old centre, which includes the former house turned museum of world-famous Latin American poet Pablo Neruda.
Large parts of the city are without electricity and there are fears for residents’ health due to smoke inhalation.
Fires are frequent during the hot summer months in central Chile. This is the second emergency the country has faced this year, as only 2 weeks ago a 8.2 earthquake and subsequent tsunami hit northern Chile.
If you have been affected by the evacuation of Valparaiso due to the forest fires then International Travel and Healthcare clients are supported by emergency assistance providers Specialty Assist and Global Response, both based here in the UK.   If you require evacuation, repatriation, medical assistance the following numbers will be able to help you:   Clients travelling with a Fit-4-Travel policy who require emergency assistance should contact Global Response on: +44 (0) 203 538 0492 Clients travelling on one of our Single Trip, Annual Multi-Trip or Cruise policies should contact Specialty Assist on: +44 (0) 207 902 7405    
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Northern Europe - the new top destination for cruise holidays
2013 was a record year for the UK cruise industry as UK port embarkations passed the one million point for the first time. UK residents take over 2 million cruises each year, and an increasing number of travellers take more than 1 cruise a year. The UK is Europe’s biggest cruise market and accounts for an average of 27% of all cruise passengers on board a ship. 2014 will see the introduction of 24 more cruise ships into this constantly evolving and fast growing market.
2013 saw Europe as the destination of choice for one in three British cruise passengers, with the Mediterranean retaining its title as the most popular route for cruises. But 2013 also saw an increase of 20% of cruise passengers visiting Northern Europe and if this trend continues it could mean that 2014 sees the Mediterranean fall into second place as the cruise destination of choice for the first time. River cruising has also continued to grow with 20,000 Britons taking European river cruise holidays in 2013.
With breath-taking landscapes and historic cities, Europe has something for everyone and over the last decade the range of cruise choices in Europe has opened up a host of new destinations including Greenland, the Norwegian fjords and the polar islands. 2014 will also mark the 70th anniversary of the D-Day landings and a number of ocean and river cruises will be visiting the Normandy beaches as part of the memorial tributes to those who fell. 
If you are planning a cruise holiday then taking out a good travel insurance policy should be paramount in your pre-trip plans. All cruise operators require their passengers to have valid travel insurance. Cruise Insurance by Onestop4: is specifically designed to offer everything a cruise traveller really needs from their insurance. Onestop4:Cruise Insurance offers cancellation cover for the full value of your holiday, even for a cruise that is £100,000 or more. Onestop4: Cruise Insurance also offers cover for mature travellers up to the age of 100 and for those travelling with pre-existing medical conditions – subject to a free and fast medical screening.
Fit-4-Travel Insurance, also available from Onestop4: is perfect for River Cruises – with no age restrictions and subject to acceptance following a medical screening, is capable of offering cover for travellers with the most significant medical conditions.
Onestop4 Cruise Insurance and Fit-4-Travel Insurance is available via the Onestop4 website or by calling 0800 848 8448.
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