expects to cancel or curtail their travel arrangements, but every year generally
due to unfortunate circumstances there are a few who are left in this position.
When considering whether to take travel insurance or not it is most important
that you understand the financial loss which you will incur in relation to not
only your holiday costs but also those associated with medical and health cover
for an injury or sudden illness abroad. For example an air ambulance is likely
to cost in excess of £45,000.00 from the UK to the
USA's east coast. Even a scheduled flight, stretcher and doctor escort
to Australia will be in excess of £20,000.00. Many people think their credit
card accident cover, home insurance, or private health cover is sufficient but
in most situations, this is not the case.
Insurance should cover the whole time you are away and include a minimum of the
Cancellation or Curtailment Cover:
A number of situations may cause you to call off your trip or cut it short.
This may be for a number of reasons including the following:
Injury or illness
of insured, travel companion, family member, or business partner
or natural disaster strikes destination
Terrorism or mandatory evacuation at
Home or business damaged, vandalised, or burglarised
or military redeployment
Required to work, terminated, or transferred
of felonious assault prior to trip
Traffic accident prior to trip
of passport or visa prior to trip
and Health Cover: Medical and Health Cover for an injury or sudden illness
abroad, 24 hour emergency service and assistance, personal liability cover in
case you are sued for causing injury or damaging property, lost and stolen possessions
cover, extra cover for hazardous activities that are commonly excluded from standard
Luggage: Reimbursement for
lost, stolen or damaged luggage and belongings throughout your trip along with
travel assistance to replace lost or stolen prescriptions, passports, visas or
other important travel documents.
Coverage for trip delay and baggage delay, providing reimbursement for unplanned
hotel expenses, meals, clothing and transportation costs.
Always ensure that your policy refunds the full cost of your holiday. It must
pay out if you need to cancel or cut short a trip. Your policy should also cover
any pre-paid expenses such as excursions, golf, dinners. Also, it is common practice
for insurance providers to only accept applications within a few days of making
a reservation and paying the deposit for a schedule. It is therefore recommended
that insurance should be taken early in the booking process.
an Insurance Policy
Travel insurance should be purchased in the country
of your main residence and many companies can be found through an internet search.
To assist, we have listed a selection of companies below who you will be able
to get an online quote from.
For those travelling from the United States,
there is the US Travel Insurance Association which lists numerous member companies
Travel Insurance Services Ltd:
Golf St Andrews Terms and Conditions
Links Golf St Andrews cancellation
terms and conditions can be found here.
The payments we receive from our clients are distributed firstly as deposits to
secure your bookings and then as final payments prior to your arrival. This is
done in accordance with our terms and conditions and reflects the terms of our
industry partners. Should you require to cancel or curtail your travel plans,
these cancellation terms will apply.