Remaining Safe When Travelling The World

72dpi - shutterstock_308596403Taking a gap year, or a long travelling break from your everyday routines, is the opportunity of a lifetime.  Nonetheless, it usually involves some considered risks and requires a lot of forward planning. Many of those risks can be mitigated through travel insurance, yet 35% of 18-24 year olds have never purchased travel insurance.1 18-35 year olds are the least likely to purchase cover, with 31% of millennials not buying travel insurance.2

It’s not just those pre or post-university and career-breakers that are pulled by wanderlust: more and more older travellers, from empty-nesters to retirees, are choosing to travel the world. But whenever you go, staying safe overseas can be a worry for many about to set off, and for those they are leaving behind at home. With this in mind, Safe Journey has put together some top tips for staying safe whilst travelling.

  • Check the Government’s Foreign Travel Advice website for updates on safety alerts as well as advice for other risks such as weather, crime and health. Check this when you are away too, or sign up on there for travel alerts which are free and will be emailed to you if advice changes.
  • Buy the right policy for you. Often lower cost policies will mean less cover.  Also be sure to check the excess levels and the maximum length of stay overseas.
  • In the event that you need to return home suddenly, check to see if your policy will cover your return back to your destination: some policies will automatically expire as soon as you return to the UK.
  • Check what your travel insurance covers and, importantly, what it does not. Terrorism is usually excluded and can shut down an entire city, leaving a traveller stranded, off schedule and out of pocket. Terrorism events are becoming more common, global and unpredictable; having a back-up plan can provide peace of mind for you as well as those at home. Consider adding on a cover such as Safe Journey. A single trip policy will protect you for up to 180 days even if a terrorism event affects you indirectly, leaving you disinclined to travel on to your next destination.
  • Plan and budget: you don’t want to miss out on an amazing experience because it’s all booked up or you didn’t budget appropriately.
  • If using a travel company for flights and accommodation booked in advance in the UK, check its reviews, that it is a member of a recognised trade association and, importantly, that it is ATOL protected. Make sure you have noted down a point of contact should anything go wrong with regards to the destinations on your itinerary.
  • Check what vaccinations are required for your destinations: some take a few weeks to be effective so don’t leave this to the last minute.
  • Inform your bank where you are going: some banks will block your card if they suspect unusual activity.
  • Check what roaming charges will be applied by your mobile service provider –you may not be able to rely on wifi. In remote destinations, or destinations affected by any sort of storm, natural catastrophe or security problem, internet reliability is not guaranteed.
  • Take some cash in dollars with you in case you can’t access your bank account. Carry it split between your luggage and your person. If a disaster strikes, such as your bag is stolen or you are pick pocketed, you should have access to some cash.
  • Use a body belt under your clothing and don’t be tempted to leave it off because you are hot! Theft is probably the most frequent problem travellers face.
  • Research local customs and the culture before arriving to avoid causing offence. Of particular note currently is Thailand: UK travellers should be aware of needing to demonstrate respect at this time. It may also be an idea to learn a few phrases or have a phrase book to hand.
  • Keep copies of all your important travel documents on cloud storage and make sure someone back home can access them.
  • Keep a list of emergency contact numbers on hand.

Kate Huet, managing director, International Travel and Healthcare comments: “Taking a gap year is incredibly exciting but can be very nerve-racking, especially if you are travelling alone. I would urge anyone travelling to take out comprehensive travel insurance and carefully check what isn’t included before you buy it – you need to check the policy exclusions section.

“Gap year travel often provides unexpected and exciting opportunities, so make sure you know the limits of your insurance and consider where the protection it offers ends before you make a firm commitment to do something. For example, hot air ballooning is not always a covered activity. Terrorism is also normally excluded on standard travel insurance policies and is a growing threat to travellers, who are being actively targeted.  However, it is fully insurable as a travel policy top-up with Safe Journey. Being stranded in a foreign country, unfamiliar with the language and culture, is a nightmare that no traveller wants to face. It’s always best to have a fall back plan in place.”

Single Trip Cover

From £5.17* per person

  • Travel insurance that covers disinclination to travel if your destination is affected by terrorism before you travel.
  • Safe Journey provides comprehensive travel insurance just for acts of terrorism.
  • Single Trip insurance provides cover for up to 180 days of continuous travel.
  • Available for singles, couples and families and with no maximum age limit and no medical screening requirements.
  • For Business and Leisure travellers.
  • For UK, Channel Island and Isle of Man residents when travelling in the UK and abroad, when you have booked and pre-paid your flights or accommodation.
  • Safe Journey covers up to £2000 per person for travel arrangements, if where you are staying is affected by terrorism and you want to return home.
  • Travel delays caused by acts of terrorism are covered.
  • Personal possessions including money and passports are protected whilst you travel against damage or loss as a result of acts of terrorism.
  • 24 hour (UK based) emergency assistance to help you after an act of terrorism.
  • Maximum excess per claim £100
Buy now

*For up to 8 days travel, Worldwide. £53.73 for 180 days continuous travel, Worldwide.

Annual Multi-Trip Cover

From £15.66 per person

  • Travel insurance that covers disinclination to travel if your destination is affected by terrorism before you travel.
  • Safe Journey provides comprehensive travel insurance just for acts of terrorism.
  • Annual Multi-Trip insurance for travel durations of up to 31 days, for each trip you take during a year.
  • Available for singles, couples and families and with no maximum age limit and no medical screening requirements.
  • For Business and Leisure travellers.
  • For UK, Channel Island and Isle of Man residents when travelling in the UK and abroad, when you have booked and pre-paid flights or accommodation.
  • Safe Journey covers up to £2000 per person for travel arrangements, if where you are staying is affected by terrorism and you want to return home.
  • Travel delays caused by acts of terrorism are covered.
  • Personal possessions including money and passports are protected whilst you travel against damage or loss as a result of acts of terrorism.
  • 24 hour (UK based) emergency assistance to help you after an act of terrorism.
  • Maximum excess per claim £100
Buy now

†31 Days any-one-trip, Worldwide.

Protection For a Changing world

£1 million Medical Expenses cover

Medical Repatriation cover

Evacuation and Emergency Temporary Accommodation cover

£100,000 Permanent Total Disablement cover