• Travel Insurance Blog

  • Tuesday, August 22, 2017

Travelers to Hong Kong should come prepared with travel insurance at the very least. Hong Kong is currently experiencing its worse pollution in 2 years. According to Clean Air Network, “Bad air is trapped here.” For many residents, tourists, and business travelers, this means staying indoors as much as possible.
The air pollution levels in Mongkok, Central, Causeway Bay and Western districts are the worst hit and officials have actually likened it to a sandstorm similar to the 2010 incident where the islands were inundated by dust.
For the year 2012, the Hong Kong Tourism Board (HKTB) estimates that that travelers coming into the islands reached over 15 million for the period January to April. This represents an increase of more than 15% year-on-year. Majority of these visitors came from Mainland China although HKTB expect this figure to alter now that summer vacation season has started for other countries. For travelers from Europe, Australia, UK, Canada, and the US, the most important safety precaution would be getting immunization and daily monitoring for those with respiratory conditions like asthma.
Fortunately, Hong Kong has excellent medical facilities however one should check with your insurance provider for accredited facilities and doctors.  On the other hand, air pollution has always been a problem in Hong Kong mainly because of vehicle emission, the coal-fired power stations, and the pollution coming from China. The city is designed in such a way that tall buildings tend to trap in the toxic air and though remedies have been done to blow the pollution out, there are times when external forces prevent this from happening.
Since Hong Kong was returned to China in 1997, air pollution has been increasingly worse. ECA International has included Hong Kong in their list of places with the worst air quality in the world.

A visit to Australia is the trip of a lifetime – the country offers such a wide range of places to explore it can be difficult to know where to start. Sydney, Queensland, the beaches and Ayres Rock are popular destinations for visitors. But many tourists want to explore off the beaten track in Australia. If your trip includes a drive into the outback wilderness area, read on for some safety tips.

The Australian outback is huge and there are vast stretches of wilderness land with very few towns or other facilities in between. If you are traveling into the outback you need to plan your trip in advance. Start by calculating how long it is going to take you to drive between your destinations. Don’t try to drive too much in one day – be realistic. Tell a family member or friend what your plans are. You can also contact the local police – they can help you by giving details about the condition of the road and other facilities.

Make sure your vehicle has been serviced and is in good working order. Make sure you can safely drive the vehicle – drive slowly in a four-wheel drive on roads that have not been sealed. Always carry the following with you – a spare tire, water, extra fuel, extra food, tools and a working communication device such as a satellite phone or a beacon.

Take note of road closure signs and don’t stray from recognized routes. If you experience mechanical problems don’t leave your vehicle as it is your best form of shelter. Stay with your vehicle after calling for help and wait for it to arrive. Make sure you have travel insurance that covers your trip to the outback. Consider whether your travel insurance includes a rented vehicle if you are using one.

Is it important to find out about vaccinations before you travel? Surely the chances of you falling ill with a disease more serious than a cold or stomach upset are rare? The fact is, doing your research about vaccinations is essential. The correct vaccinations could save your life. Make sure you ask your physician or a travel clinic about the right vaccinations for your trip at least one month before you travel. Vaccinations and travel insurance are the two most important items on your pre-travel check list so make sure you don’t forget either.

There are routine vaccinations that you probably received during your childhood and into your adult life. Check that you are up to date on your routine vaccinations. If you aren’t sure whether you have already received a certain vaccination it is often best to have it just in case – your physician can advise you on this when you attend your appointment. Routine vaccinations effectively protect you from diseases that rarely occur in the United States but are common in other parts of the world.

Sometimes you will need vaccinations that are recommended for certain parts of the world, and at other times you won’t need these shots. The necessity depends on where you are traveling, at what time of year, whether you have been immunized before, your age and your current health status. It is a good idea to be as fully protected as possible with vaccinations and international travel insurance – although you have to pay for this protection; it is worth it in the long run.

There are certain vaccinations that are required by certain countries at the border. This includes yellow fever protection, which is currently required by certain countries in South America and Africa. Check before you travel to avoid any problems.

According to travel experts new hostels and budget accommodation options are opening around the world every day. These hostels and guest houses are providing travelers with budget-friendly lodging and allowing people to travel to more places and to stay abroad for longer. Travel insurance customers are increasingly looking for ways to save money on vacation, and accommodation is one aspect of the trip that can really make a difference to the overall spend.

The new hostels range from smaller, independent establishments to hostels that are part of global chains. Many hostel chains have seen significant success in recent years, opening many new properties in different parts of the world as diverse as Asia and Europe. Hostels are a traditional favorite with backpackers who want to travel widely within a country and don’t look for many facilities apart from a secure hostel, a comfy bed and a place to store valuables.

However, in recent years there has been a trend to luxury and upscale hostels where the price is still low but extra facilities are added such as gardens, pools, and even gyms and cinemas. Hostel standards are generally improving, and many travelers are choosing a cheap and basic hostel that is spotlessly clean and welcoming over a hotel room where service is impersonal and prices are higher. Travelers don’t necessarily need to share a room with strangers to make use of a hostel – private rooms are available at a fraction of the price of a hotel room.

Older travelers and families are more likely to be attracted to hostels today, and they are no longer the preserve of 20-something backpackers. All kinds of people who are traveling on a tight budget are looking at the benefits of hostels so they can travel for longer or more widely. Travel insurance customers are increasingly looking at all the options when it comes to planning a trip.

Traveling overseas can expose you to illness and dangers that you wouldn’t encounter at home. Travel is a wonderful, life-fulfilling experience but you shouldn’t forget that there are challenges and dangers involved. The best thing you can do before you travel is to get prepared, then don’t worry and instead concentrate on the positives of your upcoming trip. What are the key things to consider when you are preparing for good health on vacation or foreign travel? Here’s how to stay healthy and remove worry from your trip preparation.

Remember that diseases which aren’t present in America or the UK still exist, and pose problems, in other parts of the world. These diseases include rabies, malaria, yellow fever and dengue fever. Make sure you are vaccinated against these diseases if you are traveling to a country where they are a problem. Visit your doctor as soon as possible to check which vaccinations and immunizations you need. You can also visit a specialist travel clinic. You may need to take malaria tablets and extra precautions against mosquito bites too.

Take out good quality, comprehensive travel insurance that covers you for the entire duration of your trip. You could end up with a huge medical bill if you fall ill overseas and you are not covered by travel insurance. Check the health situation in the country you are traveling too. Are there particular things you need to watch out for – for example, can you drink the water or brush your teeth in the water? Are there issues with any particular foods?

When you are abroad drink plenty of water to avoid heat stroke and dehydration. Carry any essential medication with you and take a small medical kit in case you can’t reach a pharmacy. Keep safe in the sun by taking a high-factor sun block with you and using it properly. Keep yourself safe by not drinking to excess and practicing safe sex.

If you’re setting off on vacation soon or you’ve already booked your winter ski break, you need to make sure you get a good travel insurance package. Buy your travel insurance as soon as you’ve made your booking in order to be covered by trip cancellation cover as well as the regular travel insurance benefits. Here are a few tips on how to buy international medical insurance for travel.

Shop around for the best price and deal. If the cover seems too cheap look at what the policy doesn’t include – it is worth spending a little extra to be properly covered. If you take several trips a year consider taking out an annual policy as this will save you money in the long run. Remember to look for the inclusion of trip cancellation benefits.

Also make sure your policy covers you for accidental injury you may cause to person or property. Taking out cover for legal expenses abroad will save you a lot of money should you get into trouble with the police while you are traveling. You need to make sure your belongings are covered and that you are insuring them for the correct value.

Check the small print before you buy. Make sure you understand what the policy covers and what it doesn’t, as this will save you stress and confusion if you need to claim. For example, you will usually have to show you take reasonable care of your belongings otherwise you may not be able to claim for a loss or theft. Most policies also don’t cover terrorism, and some do not cover adventure sports. If you are going to dive or ski, make sure your policy covers you for these activities.

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International Medical Insurance - Short Term