Posts Tagged ‘specialist travel insurance’

Silver Surfers Day

Thursday, May 19th, 2011
travel insurance for older people

Are you a silver surfer?

This Friday is Silver Surfers Day, but before you all head out to Newquay with custom designed silver surfboards, I am talking about surfing of the online variety for the over 55s.

Silver Surfers’ Day is the biggest, national campaign to promote the use of digital technologies by older people and was launched by Digital Unite in 2002. They estimate that over the years more than one hundred thousand older people have engaged with digital technologies as a result of Silver Surfers Day events.

This year, to celebrate the tenth anniversary of Silver Surfers’ Day, they have extended the campaign to a week-long activity, Spring Online, 16-20 May, to encourage more people than ever before to take part. Spring Online with Silver Surfers’ Day is delivered by Digital Unite in partnership with UK Online Centres, the BBC and Race Online 2012

At AllClear Travel, we think that Silver Surfers Day is a great way to encourage older people to get online.  One way where being online is useful is when searching for travel insurance. Unfortunately, a lot of elderly people often find it difficult to get the comprehensive travel insurance that they need for their holiday, especially if they have medical conditions, but this is where being able to search online makes things a little easier. AllClear Options is the UK’s first specialist travel insurance comparison site, so you can go online and enter all your details just once and then get a range of comprehensive travel insurance quotes, making sure you get the travel insurance that suits you.

Consider yourself a silver surfer? Not been online long? Do let us know your online experiences. And please take a look at AllClear Options and let us know what you think of it, too

Do you need some sunshine in your life?

Wednesday, April 6th, 2011

travel insurance for the elderly

How much do you enjoy the sunshine when you are on holiday?

‘After 70 years of age all is trouble and sorrow,” observed Robert Burton in his 17th-century treatise The Anatomy of Melancholy (read more here)

Now that might be a bit of an exaggeration nowadays, but one thing that we can notice as we get older is age-related disturbances of body rhythm – particularly the pattern of sleep and waking. How many older people do you know who get up incredibly early in the morning for example, even though they are retired, or don’t go to sleep until 2am – or are you one of those people?

Well there is some treatment for these disturbed sleep patterns, according to a report in the Archive of General Psychiatry . This is Bright Light Treatment. Just three weeks’ worth of light treatment produced a significant improvement in mood, comparable to that achieved by drugs, along with an increase in ”sleep efficiency’’. This form of treatment, he suggests, “provides a viable alternative to those who refuse, resist or are unable to take antidepressant medication”.

An interesting idea. Or maybe we all just need lots more holidays in the sunshine instead!? Remember, AllClear can provide specialist travel insurance for the elderly or if you have any existing medical conditions.

Are you really happy?

Tuesday, April 5th, 2011

 

travel insurance for the elderly

Do you know how to be happy?

Are you really happy? Do you know how to make yourself happy? Well, a new organisation called Action for Happiness wants to spread the message of how we can change the world for the better.

Now a lot of the tips are pretty obvious…

  • Exercise is a key factor in health and wellbeing

But some make you think a little more:

  • Thanking people each evening for the good they have done you during the day serves as a protection against mild depression.

For much of the past century the best route to happiness was thought to be economic growth. Yet for all the new technological developments we see every day, innovations in things are not always likely to make us happy. Instead, your happiness is likely to be most affected by a holistic childcare centre for children or a hospice for the very old, a reading group or a bicycle hire scheme or an urban farm.

The problem is, according to this article, there are thousands of brilliant projects to improve happiness, but there is no clear system in place to decide which products get funding or support and can be scaled up enough to make an impact.

However, this idea of increasing happiness through social innovations has interested the government here, and in countries such as France and Canada. Barack Obama now has a small office for social innovation in the White House. Big corporations are also considering these new measures for happiness.

There is rising confidence in these social innovation ideas. For example, the award of the Nobel peace prize to Muhammad Yunus for his Grameen Bank is a classic example of a social innovation, providing small amounts of credit for poor women in rural Bangladesh.

Another factor is the changing shape of the economy. The industries of “wellness” look most likely to dominate the economy in 10 or 20 years time, as opposed to cars or steel or ships. Health is already a dominant sector in most societies and the one most guaranteed to grow.

There are also some good examples of business engagement in social innovation. For example M-Pesa, which uses mobile phones in east Africa to provide an entirely new banking system for poor people. This is a social innovation that promotes happiness, but is being run as a commercial operation.

Now ageing is a really good example of how to we need to think about improving our happiness. Life expectancy is rising by around three months every year and the evidence suggests that many of the most powerful factors determining how you age come from what you do, and what you do with others: whether you work, whether you play music, whether you have regular visitors – basically your level of social support.

So one thing to consider here is holidays, which can be a great chance to experience new cultures and meet new people as we get older. One problem here though – unfortunately, a lot of elderly people often find it difficult to get the comprehensive travel insurance that they need for their holiday. So, if you are looking for travel insurance, make sure you use a specialist provider, so you can get the insurance you need and go on your holiday, so improving your own happiness! All sounds good to me!

Living with Cancer

Tuesday, April 5th, 2011
Travelling with cancer

There are things to think about when travelling with cancer

The Times is running a special supplement this week, all about living with cancer.

It will include information about how people’s lives change when they are diagnosed with cancer.  Currently, two million people in the UK are living with cancer, a number set to double by 2030 as diagnoses are made earlier and treatments improve

Two in every five of those diagnosed with the disease are of working age. The Times have put this supplement together to help, inform and reassure readers who have been affected.

The point they make is that because cancer is a way of life for so many people, we need to try and think of it in a different way. The new reality of cancer is that it is not a disease to be conquered, but a normal part of life that needs to be managed and adjustments made.

At AllClear, we agree with this advice, because we believe that if you have cancer, you still want to live your life as fully as you possibly can, and that includes going on holiday. You may want to plan a holiday for the end of your treatment, or that of a loved one, to relax and recuperate. So we have provided some tips on travelling with cancer here that might be useful for you.

Travel Insurance: You will need to arrange specialist cancer travel insurance. This is vital in case you fall ill and have to be brought home, or have unexpected further cancer treatment abroad, as this could be very expensive. Your cancer travel insurance will give you complete peace of mind so you can get on with enjoying your holiday. You may have had difficulty in finding travel insurance to cover your cancer in the past but because AllClear specialize in travel insurance for cancer patients, check out our website.

Talk to a Medical Professional: They may be able to suggest a good time to go, as well as helping to decide what is realistic for you. They can let you know if you are fit to travel.

Destination Decisions: For many, travelling with cancer will have little effect on their holiday. However, you may feel more tired following cancer treatment so you should check that the facilities you need are close to where you are staying. Also, certain cancer treatments, such as radiotherapy, leave the skin more sensitive to the sun. Consider your flight length, because some people with cancer are at greater risk of developing blood clots or DVT.

Vaccinations: If you are having certain cancer drugs or have a weakened immune system, you may not be able to have the required vaccinations for your holiday destination, so check with your doctor.

Medication: If you are taking any cancer medication, you should plan how much you need to take with you and get make sure you have extra in case you lose any.

 Also, look out for the 20-page supplement in the Times on Wednesday entitled Living with Cancer. It combines personal accounts with articles from specialist writers and columnists in the field of health, science and lifestyle.

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.

Skin Cancer Treatment

Thursday, February 10th, 2011

According to this article, skin cancers can now be treated at home - thanks to a piece of kit that seems pretty simple but is actually very clever. The basic equipment is just a sticking plaster that emits light.

So how does it work? The device, called the Ambulight, is an established alternative to surgery for many forms of skin cancer that uses laser combined with a light-sensitive drug to destroy cancer cells. This avoids the scarring associated with surgical removal of the tumour and the need for a hospital stay.

The Ambulight consists of a pod that houses medical-grade red LED lights. The light source is attached to a controller the size of a mobile phone. Photosensitising cream is rubbed on to the skin, and the pod is attached to the skin with a plaster. Once the cream is absorbed into the skin, the pod automatically turns on. Three hours later the light switches off and the device can be disposed of. Patients can move freely during treatment. The machine costs just £100,  about half the price of the average hospital outpatient appointment.

This new sticking plaster treatment is used to treat non-melanoma-type skin cancers, which affect around 15% of the UK population. These cancers do not commonly spread, but they are still considered malignant.

Ambulight developer James Ferguson, Professor of dermatology at Dundee University, hopes the treatment will eventually be offered at GP surgeries.

Muriel Lowe, 59 underwent the treatment after being diagnosed with skin cancer. Muriel had two treatments, then after three months she returned for tests and was told the cancer had gone.

The Ambulight plaster has just received a European licence and is now being rolled out to NHS hospitals nationwide. I think this seems like an extremely clever new treatment and will be interested to hear more about as it gets rolled out in the UK.

If you have skin cancer and are  planning a holiday, you can find out more about travelling with cancer here.

Sunshine Vitamin to help fight Cancer

Wednesday, February 9th, 2011

Marie Cruikshank, 62, was told she had advanced lung cancer and would have just a few months left to live. But a high-dose supplement of Vitamin D (the “sunshine vitamin”) has helped her fight the disease, according to this article. sunny holidays and travel insurance

Her GP prescribed the vitamin after discovering that Mrs Cruikshank had a very low blood level of vitamin D. Scientific evidence suggests that cancer patients may be in a better position to fight the cancer if their vitamin D level is in the optimal range.

Marie was diagnosed with lung cancer in 2006. She was referred to the Western General Hospital where she was put on chemotherapy which shrunk the tumour. Her GP then started her on vitamin D, adjusting the dose according to the result of blood tests. Currently she takes 1.5mg per week.

 Scientists said large-scale studies were now needed to see if the increased survival rate identified could be a direct response to the vitamin D.

Professor Angus Dalgleish, of St George’s Hospital, Tooting, southwest London, is convinced that vitamin D helped save Mrs Cruikshank’s life. He said: “A patient with lung cancer in Scotland would be lucky to live four months never mind four years. In Athens a lung cancer patient might live four years. A sunny climate seems to prolong life.”

This is a really good positive news story, especially when you think of the simplicity of a simple vitamin supplement compared to other cancer treatments. What is more, we already know that holidays can be a good thing for people to relax and recuperate after cancer, but this story could be another reason for cancer patients to enjoy a lovely holiday in the sun. You can find out more information on travelling with cancer here, or you can find specialist cancer travel insurance here.

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.

Want more choice at Christmas?

Wednesday, December 22nd, 2010

Christmas is a time of choice – choosing presents for people, choosing who to spend the day with, choosing  the colour scheme for the tree. There is a lot of choice….

Quite appropriate then, that at this time of the year, we have launched the UK’s first ever medical travel insurance comparison site – so you can have a lot more choice when buying your specialist travel insurance too.

The site, called AllClear Options, provides multiple quotes for medical travel insurance, from a range of specialist insurers, including AllClear Travel, so you can choose the cover that best suits you. It is really easy to make a medical travel insurance comparison  - users only have to go through the medical screening process once, and then can compare quotes from a number of medical travel insurance providers. AllClear Options works with AllClear Travel Insurance, Freedom Travel Insurance and Avanti Travel Insurance. We will be able to quickly and reliably add more specialist insurers into our panel in the future, using our AllClear aggregator technology, so giving you even more choice!

AllClear Options site, Medical travel insurance comparison

So why did we come up with AllClear Options? Well, we believe that everyone deserves the right to travel, and so wanted to make it easier for people with medical conditions to get the specialist travel insurance they want, at the price they want. We did some research and found that people have more and more different priorities for their medical travel insurance.  So we developed AllClear Options to make it easier for you to compare medical travel insurance, without needing to visit a number of different websites. We give you a lot more choice in your medical travel insurance, saving you a lot of time and effort, and leaving you to  travel with complete peace of mind.

So Christmas is a time of chocolate, cheese, cheer and charades, but also of choice, and now there is more choice in medical travel insurance, with AllClear Options. Do give AllClear Options a try and let us know what you think of it…..And Merry Christmas!

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.