Donald Steven

You have always wanted to travel to Africa. However, you need to find the right holiday travel policy to cover you on your trip. Whilst most travel insurance policies feature repatriation and emergency medical cover, they do not extend the protection to a pre-existing medical condition. However, you do need the cover, as you need to make sure that you are covered should you become ill on your trip. If you’re unsure there are ways to check if your condition qualifies as ‘pre-existing’.

Take a Medical Screening First

A pre-existing condition, just like it sounds, is a condition that existed before you decided to take out an insurance policy. If you do choose to take out cover for a pre-existing condition then, you need to go through a process known as a medical screening. The screening calls for answering several questions about your current health.

Insurance companies want to find out more about what you take in prescribed medications, and about any conditions that are related to heart, circulatory, or respiratory problems, or cancer or a prior stroke. Even if any of the aforementioned conditions are not affecting you currently, you need to report them. Otherwise, the policy you take out could be invalidated. Therefore, you need to be straightforward and honest about your past and current health.

Where Are You Planning to Travel?

The rate you are charged for regular holiday insurance is based on your age, the travel destination, and the length of time you plan to travel. The costs related to covering a pre-existing condition will be calculated in answer to the responses you give during your medical screening. Where you plan to travel greatly affects the overall cost too.

When You May Need to Change Your Travel Plans

For example, countries such as Spain and Greece use privatised healthcare to treat patients. Therefore, travel insurance for pre-existing medical conditions tends to cost more than in other places in Europe. Also, a European Health Insurance Card (EHIC) cannot be used in hospitals that are privatised, all of which makes cover almost mandatory. If you have been denied cover for a pre-existing medical condition for Spain or Greece, you may want to change your travel plans.

Other Places Where Travel Insurance Costs Are High

If you plan to travel to Hong Kong, China, the Caribbean, Canada, or the US, you need to obtain insurance quotes before booking travel. That is the best way to avoid any disappointments. In particular, the US charges a large amount for healthcare. Whilst the Caribbean features lower costs in healthcare, there still is a good chance that you will be transported to the US for care.

Be Careful about Stopovers

Both China and Hong Kong are destinations where it is easier to get accepted for cover. However, if you plan to travel to Australia, beware! If you stop at any of the higher-rated locations, it could increase the cost of your premium. However, if you make stopovers in Singapore or Dubai, the premium cost can go down.

Why Buying Travel Health Care Is Important

That is why you need to carefully compare travel insurance for medical conditions online. Fortunately, a reciprocal healthcare agreement has been established between the UK and Australia. This agreement entitles British citizens, who are travelling on a UK passport, to receive subsidised medical care from Medicare Australia. However, you cannot receive emergency care or treatment for a pre-existing condition. That is why you need to have adequate insurance cover in place if you are travelling to this country.

Happily, travel insurance quotes for Australia are more reasonable than many places in the world. You can also receive acceptance much easier for a pre-existing medical condition. However, as noted before, in order to keep costs down, you have to avoid certain stopovers.

Travel Insurance Costs Are Lower in the UK and Europe

You will experience the lowest costs for travel insurance in the UK and Europe. The costs get higher if you choose to travel beyond the European continent. Both UK and European travel destinations generate lower travel insurance rates than other parts of the world.

If you have the place in mind where you want to travel and have decided to purchase cover, then you will next need to know more about the medical screening process. As indicated, a medical screening is made up of a series of basic and multiple type questions – enquiries that are designed to determine the severity of your condition. Whilst some of the questions may seem rather personal, the answers you supply are completely confidential.

Declare Your Medical Conditions to Ensure Cover

You should answer the questions as precisely and as accurately as you can so your condition is properly covered. Depending on your pre-existing condition, you normally are asked about the kinds of medications you take, whether you have been admitted to hospital, and when you were initially diagnosed. Whilst many pre-existing medical conditions can be covered for no additional charge, it is still important to declare them.

Any cost that is added is based on the risk that you may need medical treatment whilst you are on holiday, or may need to cancel your holiday because you feel sick. If your current condition is considered severe or unstable, you will have to pay more for your travel insurance plan.

An Important Point to Keep in Mind

When taking a medical screening, it is best to use a platform that offers quotes from various insurance companies. That way, you only have to answer the questions for the screening once. You do not have to go to several websites to answer personal questions about your health. When you get ready to buy medical travel insurance for a pre-existing condition then, this is an important point to keep in mind.

Insurers who are unable to assess the risk of an undiagnosed medical condition usually decline cover until a diagnosis is confirmed. Diagnosed conditions under investigation or a condition where surgery is pending can also be reasons to deny cover.

So, you can still make travel plans if you have a health condition. Just make sure you are honest and truthful about your health so you can make the most of the cover you buy.

The first thing a weary traveler looks forward to after getting off the road is pulling back the hotel sheets and climbing into a comfortable bed. While a well-made bed looks effortless, the truth is that much care goes into the process of selecting the linens, caring for the materials and making the mattress up properly. Unfortunately, poor quality sheets can ruin all of your hard work when they are thin or prone to staining. Flimsy sheets also need frequent replacement, which cuts into your bottom line. When your hotel staff is fed up with making up beds that never truly reflect your hotel’s high standards for hospitality, look for these factors that will help you replace your raggedy sheets with ones that are high quality.

Check The Thread Count

Low thread count sheets tend to be thinner, which is fine for hotels in warmer locations that need lightweight, crisp sheets that fit within a tighter budget. However, sheets with thread counts below 200 tend to accumulate more wear and tear. For mid-range hotels, a thread count of 400 is your most budget-friendly option that still gives your guests a smooth surface on which to rest their heads. Luxury hotels that truly want to pamper their guests should select sheets with a thread count over 800. Since most people don’t use sheets of this quality at home, these high thread count sheets really generate that sought after vacation feeling.

Choose the Right Fabric

Traditional cotton sheets are similar to what most people use at home, and they are known for being fairly simple to care for. Yet, there are other options for upgrading your hotel sheets. For example, percale is a plain weave fabric that is commonly found in high thread count varieties of sheets. It has a soft, silky feel but is also able to stand up to multiple washings. Sateen is another type of fabric that is softer than percale. Since it resembles silk, it offers a more hotel-friendly way to treat your guests to a luxurious night’s sleep.

Select Low-Maintenance Sheets

The hospitality industry does a lot of laundry, and your guests always appreciate a fresh set of sheets after a long day. While your sheets may take a beating with frequent washing and drying, you can extend that crisp hotel feeling by choosing sheets that are wrinkle-resistant. Typically, these types of sheets will still require some ironing. However, they reduce pressing time while also ensuring that your guests wake up to sheets that still feel perfectly crisp.

A cozy bed is one of your biggest assets in the competitive field of hospitality. By choosing the best sheets, you can cut your replacement costs while also improving the overall experience for each guests who visits your hotel. In fact, you may just discover that your guests love the sheets so much that they request a set of their own.

 

There’s a reason nobody is buying timeshares in 2017. In fact, there is a long list of them. Here are just five, which also double as reasons to consider exiting yours.

1. Free Yourself the Financial Burden of Annual Fees

Annual fees are one of the most cited reasons why timeshare owners decide to get rid. In summary, annual fees refer to the sum of money almost all timeshare owners are (as part of their timeshare agreement or contract) legally obliged to pay every single year towards supposedly maintaining their timeshare property, and in some cases the communal areas surrounding it and / or the resort on which it resides.

Whilst annual fees might seem a reasonable thing, the actual amounts of money timeshare owners are charged can rise rapidly over the years and is often in the hundreds if not thousands to begin with. Hence, many people who buy into timeshares could save themselves a great deal of money by simply exiting their timeshare and buying a holiday each year.

2. Stop Having to Take the Same Holiday Every Year

Speaking of buying holidays, there has been no better time to do so than right now. The internet has made finding and bagging bargain holidays (from month long backpacking adventures to two week all inclusive luxury retreats) a cinch, and an affordable one.

To see for yourself the wealth of choice out there visit the likes of the Thompson Travel Agency website. Meanwhile, to discover more alternative means of holidaying give the My Favourite Holiday website article: 3 Alternatives To Buying A Timeshare For A Great Holiday a read.

3. Accept that Timeshares are Not a Financial Investment

For something to be describable as a potential investment it has to offer at least some potential financial return. As reiterated and explained in more depth via the Timeshare Consumer Association website and specifically in their article: Timeshare is Not a Financial Investment, timeshares offer no potential financial return what-so-ever.

Despite being commonly referred to as ‘timeshare investments and their owners as ‘timeshare investors’, timesharing does not even offer enough potential of any return to be referred to as a ‘bad investment’. Suffice to say, you are more likely to make a profit in the bookmakers than you are by buying or owning a timeshare.

What is more, you may even lose less in the bookies as timeshare do not only offer no potential return, worse yet, timeshare actually depreciate in value over the years. Hence, it might be time to really cut your losses, especially when doing so cold mean affording to better invest or even just better enjoy your money from then on.

4. Stop Being the Target of Scammers

Timesharing is synonymous with scams and scammers, and not without reason. The speed with which timesharing grew into an industry made it all too easy for scammers to also jump on the bandwagon. Scams and cons relating to timesharing became so rife in fact that mistrust in the industry is today one of the main reasons why people are no longer prepared to buy timeshares, despite the fact they sell for cheaper now than ever before.

It is important for timeshare owners to realise though that already owning a timeshare does not mean that scammers will leave you alone. The opposite in actual fact is true. Due now to the amount of people wanting rid of their timeshare, scammers are just as if not more likely to target those desperate to sell as those eager to buy – not least because currently there are an estimate 400 people desperate to be rid for every 1 person desiring to buy.

Hence, whilst this is a reason to be rid of a timeshare, it matters to make sure you do it properly – or else you could lose more than you stand to save. Fortunately the Citizens’ Advice website has all the information you need, as well as providing drop in sessions across the UK for those who feel they need to seek individual advice.

5. If You No Longer Use Your Timeshare

If you own a holiday home and do not use it year on year, it is likely that you will none the less be glad to own it. Meanwhile, because owning a timeshare rarely involves ever actually owning property, those who own one and do not use theirs stand to lose a lot of money annually. What is more, as discussed above timeshares unlike property depreciate in value over time meaning that simply owning one is in no way providing yourself or your family with anything to ‘fall back on’.

Hence, if you own but no longer use a timeshare, it is surely time to exit it. To learn how, continue your reading over at The Independent website by reading their feature: Safe escapes from the timeshare snare.