Archive for the ‘Holiday Stress Buster’ Category

How old are you??

Thursday, March 31st, 2011
Medical travel insurance

Our average lifespan is getting longer

You may consider that a bit of a rude question, but there is actually a very scientific reason for asking it. Basically, people have been living longer since 1800 – this makes sense with things like improved nutrition, medical care, technology, education and general quality of living.

I mean, check out this incredible stat: Every day the lifespan of the average British citizen increases by between five and six hours. That means that babies born today will life five or six hours longer, on average, than those who were born yesterday. So basically, if you were a baby born 2 weeks later than your due date, you could have an average lifespan a few days longer than other babies who would have shared your birthdate. Wow!

This trend is likely to continue every day this year and possibly for the rest of the decade. In 10 years, the average British lifespan will have risen more than two years. Compare this to 1800, when the average UK lifespan was 40. Today it stands at 77.7 for men and 81.9 for women.

The change in UK lifespans has depended on several factors. In the early decades of the 19th century it was mainly due to improvements in civil engineering: sewage works, clean water supplies and better housing. These reduced people’s exposure to deadly bacteria and viruses.

Then, at the end of the 19th century, provision of the first vaccines began to protect people from illnesses such as smallpox. And finally, after the second world war, the availability of penicillin and other antibiotics saved millions of lives and continued that lifespan rise. These developments prevented large numbers of people from dying in youth or middle age – a common occurrence before 1800.

But what about the future? Will this lifespan increase reach a plateau? Well, not yet, it seems….

This discovery is crucial. Some scientists had argued that our bodies are programmed to die at a given point, a process that would ensure populations would not be clogged up with the old and infirm. The relentless rise of lifespans has dispelled this idea.

However, most experts doubt rises can continue at the present rate. If they did, the average UK lifespan would be 100 by the end of this century and 120 by the next. In particular illnesses, like diabetes, which are linked to rises in obesity, are likely to have an effect on average lifespan. According to Dr Lynne Cox, expert on ageing processes, lifestyle choices can be a massive factor here – whether young people choose to change their ways, and become healthier adults in the future.

Ok, well here at Globebloggers we like to talk about holidays, so what does this relentless increase mean here? Well, basically if we are all living longer, we will hope to have more time to go on holidays, especially once we are retired.

But although our life span may be getting longer, we are still going to be at risk of developing various diseases as we get older (and this will particularly be dependent on our lifestyle choices, as Lynn pointed out).

So an important consideration for holidays is travel insurance for the elderly, especially if they have medical conditions. Difficulty in finding travel insurance shouldn’t be an obstacle to enjoying our holidays. However, unfortunately, a lot of elderly people, or those with medical conditions, often find it difficult to get the comprehensive travel insurance that they need. If you are looking for travel insurance, make sure you use a specialist provider, so you can get the insurance you need and travel with complete peace of mind. And remember AllClear Options is the first comparison site for medical travel insurance, so you can get a range of quotes here, and make sure you get the travel insurance that suits you.

Families pay more for holidays

Tuesday, March 8th, 2011
travel insurance AllClear Options

Booking a half term break for the whole family, but what about the price?

 

I am assuming that this title above doesn’t surprise you – we are all aware that unfortunately, holidays that are during the school holidays cost more. Given that it was the Half Term school holiday for a lot of people 2 weeks, this issue could have been larger than life for you, as you tried to enjoy a short break.

In fact, according to this article, families are being charged up to 269%  more to go on holiday over the half-term break. On average, trips for the week of February 19 to 26, when most British schoolchildren were off, were 53% more expensive than going two weeks later.

It means a family of four, going to some of the most popular destinations including Florida, Lanzarote, Mallorca, Gran Canaria and Crete, will have to pay an average of £1,132 more. One four-star resort in Lanzarote was charging half-term guests an extra £4,619. Packages with flights departing from London airports had the biggest price increases – on average 67% more expensive than the same flights two weeks later.

And choosing to go abroad outside half-term is often not an option – parents risk large fines and children miss out on their schooling.

So what other options are there to try and reduce the cost? You might think waiting to book holiday extras until the last minute could save money, as the tour operators will be more desperate to sell. But that thinking would also be wrong. Car parking, travel insurance, currency and car rental could also add an additional £632 to a family holiday.

 Consumer adviser and Daily Express columnist Jasmine Birtles, from Money Magpie said: “Travel companies are trying to scoop money wherever they can. They have had a difficult past year, with the ash cloud and the financial situation, so they are just trying to get as much money where they can. They are picking on people who don’t have a choice.”

At AllClear, we agree with Jasmine Birtles, it is a real shame that holiday prices are on the increase for families, but unfortunately travel insurance are a necessary part of that expense, particularly if you need cover for medical conditions. However, at AllClear, we are trying to do our best to help you save that little bit on your holiday, with AllClear Options, the UK’s first medical travel insurance comparison site. With AllClear Options, you can get a range of medical travel insurance quote, and choose the one that suits you, at the price that suits you.

Holidays and Half Term

Thursday, February 24th, 2011
family travel insurance

How are you enjoying half term?

So you are halfway through the half term holidays –are you pulling your hair out, or have you enjoyed spending more time with the kids? It always makes me laugh how in the week before half term, the TV and social media are full of good free/cheap things to do with your kids. But it is understandable that some people would rather try and go on holiday abroad during half term.

So I thought that I would put this blog together for people to share their half term experiences.

Did you choose to go abroad this year? Was that a good idea? How was it sorting out your travel insurance?

Or did you choose to stay at home? Is that working out more expensive than going abroad, do you think? Or have you managed to find cheaper ways to keep the kids occupied.

Please do share your experiences, we would love to know what you think…

AOP not OAP

Thursday, February 10th, 2011
travel insurance for over 65s

Do you know the difference between AOP and OAP?

 

No, that is not a typo. We all know/use the term OAP to designate Old Age Pensioners, but now there is a new term on the block  – AOP, Athletic Older Person.

I am sure you have experienced this.  Someone aged over 60 who overtakes you effortlessly in the swimming pool, or seems to be running so much faster than you? In fact, I experienced this when I did a 14 mile charity hill walk. It was amazing how many people aged 60 and over seemed to be finding the walk so easy.

A survey of more than 1,100 men and women for Bupa healthcare has found that Britons aged 60-plus are much more likely to exercise than those in their 20s. The AOPs cite Helen Mirren, 65, and  Joanna Lumley, 64, as their role models. They are almost three times as likely to exercise every day than those in the prime of life – 1 in 7 exercise every day of the week. And 22% exercise at least five times a week – compared with just 15 per cent of 20-somethings.

Almost four in ten of the over-60s polled said they were exercising more now than they did ten years ago. Walking was the most popular method, followed by swimming and cycling. Growing numbers of pensioners are entering half-marathons each year.

Today’s over-60s are also running more quickly than before, with the average woman finishing the 13.1-mile race more than ten minutes faster than six years ago.

The AOPs surveyed credited their exercise regimes with a host of advantages, from boosting weight loss to aiding relaxation and improving quality of life. So I imagine these AOPs really enjoy travelling too, but unfortunately this can become more and more difficult as people get older because they may struggle to find travel insurance for their trip. At AllClear we believe that everyone deserves the right to travel, and these AOPs prove that. That is why we have no age limit on our single trip travel insurance policies. We offer a medical travel insurance comparison site so that people of any age can choose the medical travel insurance policy that best suits them. You can check out AllClear Travel to find out more. In the meantime, best get exercising, no matter what age you are!

A Holiday Romance

Wednesday, February 9th, 2011
holiday romance and travel insurance

Have you ever had a holiday romance?

Valentine’s Day is really not very far away now – have you got the card and chocolates already sorted out? Or do you prefer to be a bit more last minute – maybe grabbing some flowers on the way home from work?

But I am not writing this blog to get into the whole Valentines debate – is it something we should celebrate, or is it all a con propagated by the greeting card industries?  I am also not writing this blog to make you feel guilty or panicked about Valentine’s Day, and your possible lack of present inspiration. Instead, I am going to focus on holidays instead (which is what we do best!), but with a romantic twist.

A fifth of UK holidaymakers have found romance on holiday, according to this article. But these romances are still likely to be fleeting. In fact, more than two-thirds (68%) of those who did experience a holiday romance never met their partner again, even though some kept in touch for a time.

However, occasionally these relationships do seem to lead to something more long term. 18% of those surveyed went on to form a long-term relationship, while a surprisingly high number (7%) say they met their lifetime partner while on holiday.  

However, things don’t always turn out so well, 3% of people said it was the ‘worst thing that could have happened.

Some quite interesting stats here, I think. If you are looking for a relationship, seems like February could be the perfect time to book a holiday!

Holidays and the Royal Wedding

Tuesday, February 8th, 2011
travel insurance and royal wedding

Will you be watching the Royal Wedding or jetting off for a holiday instead?

The Royal Wedding seems to be like marmite – you either love it or you hate it. Although, having said that, I am pretty ambivalent about it! But overall, I would say that the wedding causes a lot of strong emotions…

So the question that everyone is asking is, what are you going to be doing during our extended bank holiday weekend?

Will you be trying to get away from the wedding (although I think it will be a pretty global affair) and going on holiday instead? I must admit at least then you can take advantage of the fact that you hardly need to take any days off work. But the thing to look at is how much more expensive flights and accommodation will be, bearing in mind that bank holidays are more expensive in general anyway. It also depends how many people have had the same idea, as to how busy your journey will be. And don’t forget you will need travel insurance too, even if you are only going for a weekend.

Or will you be staying in the UK, enjoying the wedding and all the buzz and excitement that goes with it? I have to say, I think this is the option I will be choosing – it is making history and something interesting to be part of – and it doesn’t happen very often. However, I will not be making the trip to London, I would rather watch the wedding from my comfort of my own home.

But that is enough of my plans. What will you be doing for the Royal Wedding? Please do let us know…

Stress, stress, stress!

Thursday, January 27th, 2011

Just seeing the repeated 3 words of ‘stress’ there may make you feel a little stressed. Are you feeling stressed if you are sitting there reading this at work?

Interestingly though,  a recent article has found it is the pressure of running a household that makes  us feel stressed.

Scientists from the University of Pittsburgh School of Medicine recruited  113 men and women in full-time work.  Each one provided details on how many hours they worked, what level of  responsibility they took on for running the home and the chores they did.  They then underwent regular blood pressure checks at a local clinic over a  three-week period, before finally wearing a blood pressure monitor for a day to  track changes at work and home.  The results showed that regardless of the amount of housework actually done,  those who felt they were shouldering the responsibility were at the greatest  risk of high blood pressure.

The findings, published in the journal Psychosomatic Medicine,  suggest it’s not the workload itself but the stress about how to cope with it  that causes the damage.  The strongest link with high blood pressure came from domestic chores done,  such as cleaning, cooking and shopping.  Next came car maintenance and repair, paying the bills and keeping on top of  the household budget. 

Many parents may not agree, but looking after children had no adverse effects  on blood pressure.  Men tended to become stressed by the responsibility of looking after pets, but women were not affected. 

travel insuranceI must admit, when you see this research you can understand that running a home and family can be pretty stressful.  This got me thinking about holidays. I have often said on this blog that although going on holiday itself can be (and should be) lovely and relaxing, the preparation for it is not. Packing, organising who is looking after pets, securing your house and making sure your passport is in date can all raise the stress levels. And what about sorting out your travel insurance? This can be complicated and time consuming, particularly if you have medical conditions. On the plus side, you can now use our medical travel insurance comparison site, that will save you a lot of time entering your medical details again and again on a number of websites  -you just enter your details once and then get a range of quotes from specialist insurers, so you can choose what best suits you. Do give it a go and let us know what you think of it.

If you have got a holiday booked, but are feeling a bit stressed about getting ready for it, our stressbusters tips may help.

Dealing with the VAT increase

Wednesday, January 19th, 2011
VAT increase travel insurance

What does the VAT increase mean for Travel insurance?

Ok so we could be forgiven for thinking that we have settled in now to the New Year, it is mid-January after all. We are coping with the miserable weather, and the long dark days back at work. But there is one thing that we still all have to moan about, and that is VAT.

Since 4th Jan the increase has been in force, and unfortunately this applies to travel insurance too where the particular tax (insurance premium tax IPT) has increased to 20%.

But even though the price has increased, it is still as important as ever to make sure that you have adequate cover, particularly if you have pre-existing medical conditions. The tax may be high but remember if you don’t have comprehensive travel insurance, it could work out very expensive should you need medical treatment while abroad. So in fact, it can be a false economy, if you don’t buy travel insurance and then need medical treatment, or even lose your luggage, for example, while you are away. Having that comprehensive travel insurance allows you to travel with complete peace of mind.

 I don’t normally like writing  blog posts that are a bit gloomy, but unfortunately this one is a  bit! Still, the important thing is that if you have a holiday booked, at least you have that to look forward to!

Planning a Valentines Day Surprise

Wednesday, January 19th, 2011
travel for Valentines day

Planning a romantic weekend in Paris?

 

Whisking your partner away on a surprise Valentines break may seem like an extremely romantic idea for but it does not always work out that way. In reality, a two week holiday, or even a weekend break, can often be filled with problems or things that you haven’t thought about, that can spoil the trip.

Here are some tips that may be useful if you are planning a Valentine’s Day surprise. Thanks to Bukisa for some of the advice here.

  • Travel Insurance: A surprise is great but don’t forget to take out travel insurance, even for the shortest break away. Lost luggage or an accident could completely ruin the trip, but even more so if you don’t have travel insurance to cover you for the mishap.  Furthermore if the one you are surprising has a medical condition it is especially important that these are declared to your insurance provider to ensure you don’t come unstuck in the event of a claim!
  • Work Annual Leave: Obviously if you are going to be away over the weekend this is not so much of a problem ( and quite feasible seeing as Valentine’s Day is on a Monday this year). But otherwise you will need to make sure annual leave is sorted out for your partner. Depending on their relationship with  their boss, you may want to contact them directly and book the leave – making sure the holiday is a complete surprise. Alternatively (especially if they are the kind of person who don’t like surprises quite that big!) just tell them the time to book off work, but don’t give any further details. The anticipation will be almost as good as a complete surprise!
  • Babysitters: Babysitters are going to be  in demand over the Valentine weekend so make sure you book yours early. Even if  you are planning on asking the grandparents or another family member, make sure you give them lots of warning, as otherwise they may have their own plans (or be looking after your brother/sister’s kids already!). A gift from the place you have visited when you come back is always a nice way to say thank you.
  • Travel dates: Think about whether or not you want to actually be traveling on Valentine’s Day. You might want to plan on either leaving after Valentine’s Day or before Valentine’s Day so you can spend the holiday relaxing together instead of traveling. Travel can be very stressful and tiring so if you want to avoid problems which may result from this, it is a good idea to plan your trip so you will not be traveling on Valentine’s Day. Plus the travel networks are likely to be decidedly busy at that time of the year – you know what it is like when you go to a restaurant on Valentine’s evening and are rushed in and out because it is just too busy – now imagine this on a train or coach!
  • Location, Location, Location: Make sure you select a location which both you and your partner will really appreciate. There may be a number of activities you enjoy as well as a number of activities your partner enjoys but these activities will not necessarily overlap. However, there are likely to be some activities which you have in common – maybe you both enjoy exploring a romantic city for example. In fact, we ran a poll near Valentines day last year and found that a city break was the most popular Valentine’s holiday, with over 50% of the vote.

Overall though, if you are planning a surprise on Valentine’s day, chances are your partner will be really pleased, even if everything does not go completely smoothly. So make sure that you have fun and enjoy!

Banking on your insurance?

Wednesday, December 8th, 2010

travel insurance for pre existing medical conditions

How many times have I heard people say, ‘I dont need insurance I get a free one with my bank’? Quite a few times, I would say…

But this article in the Insurance Times, explains why we should be wary of bank deals on insurance, particularly if you have an existing medical condition.

You need to make sure that you check the wording of the ‘free’ travel insurance policy you receive with a bank account or credit card very carefully, to make sure you are actually covered for pre-existing medical conditions. Some of these policies may offer to extend cover for pre-existing medical conditions provided you call them back and declare them, but the majority will not cover pre-existing medical conditions at all, especially more serious conditions like cancer.”

A medical condition is unique to the person who is suffering from it, and so if you want comprehensive travel insurance, that includes your medical conditions, you may be well advised to use a specialist insurer like AllClearTravel. This is important because when travelling abroad unexpected medical treatment is very expensive. If you don’t have comprehensive cover, that includes your medical conditions, any medical claims could be invalidated, and could be a very costly experience for you.

Hope that information is useful for you. If you have any other questions about the different types of insurance, please do ask in the comments box below, and we will be happy to help.