Terrorism Disruption Cover Part Of New Travel Plan

expat network

Terrorism Disruption Cover Part Of New Travel Plan

Voyager Insurance Services has launched Voyager Plus Travel Insurance, which rebrands and replaces its former WEBroker Travel Insurance product with new features.

The plan includes the following new features added for 2017:

No upper age limit for single trips
Emergency medical expenses increased to £20 million
Ability to increase cancellation cover up to £10,000
Ability to increase annual multi-trip maximum trip duration to up to 62 days
Sports equipment and cycle insurance option
Enhanced trip disruption option now includes disruption due to an act of terrorism.

Voyager’s research has shown that over 51% of travellers now rate the risk of their holiday or travel plans being disrupted by an act of terrorism as the biggest single thing they are most concerned about.

This option now includes up to £5,000 terrorism disruption cover for cancellation, curtailment, travel delay, abandonment, missed departure or additional accommodation costs as a result as of an act of terrorism affecting any point of arrival or departure in a pre-booked itinerary or occurring within 40 miles of the booked accommodation within 31 days prior to departure or during the trip

The option also continues to cover travel disruption situations not normally covered by travel insurance, such as volcanic ash causing closure of airspace and having to remain abroad and incur additional accommodation costs, or even having to cancel or come home if the Foreign & Commonwealth office or World Health Organisation issue a new directive against travel to or a need to evacuate from the country you are travelling to.

Voyager Plus maintains the following features including:

Available to UK and EEA residents in pounds or euros
Kids go free on family policies
Product as standard covers leisure, business and cruise trips
High levels of standard cover including £5,000 cancellation or curtailment and £2,000 baggage
Stable medical conditions do not require screening or any additional premium
Cover for single trips up to 24 months in total (up to 18 months without referral)
Cover for one-way trips with up to 31 days cover in destination country
Already travelled cover –for people who have forgotten to arrange cover or who are unable to extend another policy while abroad.

Moving Abroad Checklist

Initial Considerations

Will your partner be travelling with you?

If so, what will they be giving up in your present home and will they be able to continue with their career in your new home? You will need to check whether a separate visa is required for your partner to work or if your visa gives that right. If they are unable to work you will need to decide on the effect on your finances and what alternatives are available to give a fulfilling life (home business, training, voluntary work).

Are you taking family with you?

Moving with family raises many exciting opportunities, but also can create challenges. The HSBC Expat Explorer survey indicates that expat kids can take six months to settle in to their new country (see article). Getting young or even older children to prepare to move and leave their friends and family behind can be a challenge and should be thought through.

The options for education is another area that needs to be thought through.

Moving your child to a new country with a different education system can be a great opportunity to broaden their experience, but if they are close to key exams the timing can make this inadvisable. If you do take your family with you, it is important to decide between joining the local school system or choosing an international school.

Where will you be living?

Whether you will be living in a house or apartment, furnished or unfurnished, these decisions will affect what you need to take with you. The time you are planning to live overseas will also affect whether you should leave your property at home empty, rent it out or sell it. See the article Sell, Store or Ship.