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Insurance Policies

Before spending out on a new policy, it's worth checking whether you are already covered: some all-risks home insurance policies , for example, may cover your possessions against loss or theft when overseas, and many private medical schemes include cover when abroad, including baggage loss, cancellation or curtailment and cash replacement as well as sickness or accident. Canadians will find that they are usually covered by their provincial health plans, while holders of official student/teacher/youth cards in Canada and the US are entitled to be reimbursed for accident coverage and hospital in-patient benefits. Students will often find that their student health coverage extends during the vacations and for one term beyond the date of last enrolment. Some bank and credit cards include certain levels of medical or other insurance and you may automatically get travel insurance if you use a major credit card to pay for your trip.

After exhausting the possibilities above, you might want to contact a specialist travel insurance company , or consider the travel insurance deal we offer (see above). A typical travel insurance policy usually provides cover for the loss of baggage, tickets and - up to a certain limit - cash or cheques, as well as cancellation or curtailment of your journey. Most of them exclude so-called dangerous sports unless an extra premium is paid: in Britain this can mean cliff-diving, rock climbing and mountaineering. Many policies can be chopped and changed to exclude coverage you don't need - for example, sickness and accident benefits can often be excluded or included at will. If you do

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take medical coverage, ascertain whether benefits will be paid as treatment proceeds or only after you return home, and whether there is a 24-hour medical emergency number. When securing baggage cover, make sure that the per-article limit - typically under GBP500 - will cover your most valuable possession. If you need to make a claim, you should keep receipts for medicines and medical treatment, and in the event you have anything stolen, you must obtain an official statement from the police.


Travelling and Working in the UK

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Tour the UK & Ireland On Line (Video + Stills)

David Mundstock says "The film "My Pub Runneth Over” presents a comprehensive journey to Britain and Ireland, including England (London, Stonehenge, walled cities & a castle), Wales, Ireland (kiss the Blarney Stone, Dublin, Cliffs of Moher), and Scotland (Edinburgh, the highlands, bagpipes & Loch Ness), plus interviews, and, of course, pubs.

The video can be seen on the web, if you have a high speed internet connection.

This is a free, non-commercial, streaming video on the Windows Media Player. No ads and no strings attached. I sell absolutely nothing.

With any modem you can view my new gallery of English, Irish, and Scottish stills.

There are over 30 of my other amateur travel videos on-line covering all seven continents. Visit Italy, Morocco, Antarctica, Bali, Russia, China, Hawaii, Peru, Mayan Pyramids, American National Parks, Egypt, Greece, or Turkey, among many choices; see whales, penguins, or polar bears.

The planet is yours, including my Home Page giant galaxy of still pictures.

To watch the videos and view the stills, please ask a search engine for:
Intrepid Berkeley Explorer"


Your Tip for England

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10/7/2008 12:11:01 AM