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:
or illness of insured, travel companion, family member, or business partner
or natural disaster strikes destination
Terrorism or mandatory evacuation at
Home or business damaged, vandalised, or burglarised
or military redeployment
Required to work, terminated, or transferred
of felonious assault prior to trip
Traffic accident prior to trip
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.
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. 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
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.
those travelling from the United States, there is the US Travel Insurance Association
which lists numerous member companies www.ustia.org
Travel Insurance Services Ltd:
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.