JS Insurance blog

JS Insurance has partnered with Alpha Underwriting to provide more specialist travel insurance products.

Through a combination of product expertise and insurance knowledge,  JS Insurance and Alpha Underwriting  are strategically placed to execute market leading products in a simple, yet professional manner.

JS Insurance and Alpha Underwriting  are committed to meeting the unique needs of our customers.

These specialist travel insurance policies include:

• One Way Trip Travel Insurance
• Annual Multi Trip Travel Insurance with maximum trip duration options range from 31 days to 93 days per trip.  Maximum age: 74 years
• Manual Business Trips Cover
• Natural Catastrophe
• Pre existing Medical Conditions
• Travel Dispute
• Hazardous pursuits, many as standard

JS Insurance is now providing a Specialist Travel Insurance Policy with a wide range of Extra Travel Cover and Sports / Activities (including skydiving, Scuba Diving to 40 metres, Horse Jumping, BMX Cycling and many more….

The Benefits of the JS Insurance Travel Insurance Policy include:

• 24 hour Medical Emergency Assistance
• Medical & Treatment Expenses (unlimited)
• Cancellation or Curtailment up to £7,500
• Personal Effects and Baggage up to £2,500
• Winter Sports Cover
• Golf Cover
• Cruise Cover
• Business Travel Cover
• Wedding/Civil Partnership Cover

This Travel Insurance is provided by JS Insurance and the insurance has been arrange through Ancile Insurance Group Ltd who are authorised and regulated by the Financial Services Authority - No 471641, with Mapfre Assistance.

This is following on from an article in The Sunday Times (13.02.11)regarding Travel Insurance and the benefits of the EHIC card.

If you have an EHIC card and you are travelling within The European Economic Area and Switzerland, then the EHIC card does cover most medical expenses.  This card will not cover for accommodation if you are abroad and are unable to return to the UK, because of illness or accident. It does not cover repatriation costs back to the UK.

EHIC Card cover depends on the country you are in.

In countries such as Austria, France and Germany, the medical expenses are only partly covered by the EHIC card, whereas Travel Insurance will cover all costs.

In Spain, there is no compensation of medical expenses with the EHIC Card

So this is a very hit and miss choice, one advantage of purchasing Travel Insurance is that all medical expenses are covered as well as repatriation.

If you do have an EHIC card, we do waiver the excess for medical expenses if you purchase JS Travel Insurance.

If you have pre existing medical conditions, we can provide cover online with  our new website JS Medical Insurance.

JS Insurance in partnership with UK Underwriting Ltd have launched an online  Medical Screening website.

The aim of this website is to offer the customer the opportunity to get a quote for travel insurance at the same time answer any relevant medical questions.

The website is very user freindly and the process is quick and can provide either a Single Trip, Annual or Longstay / Backpackers Travel Insurance.

There is as well an option to cover Winter Sports and you are also able to select a number of Activities.

One of the advantages of this policy is that you have an option to increase cover:

Cancellation cover can be increased to £4000 or even £5000.

The Annual policy can be amended so that your trip duration can be 60 days or even 90 days.

If you are purchasing an annual multi-trip policy for your family, and you want your children to be able to travel on their own, can select this as an option on the quotation page.

JS Insurance is always looking to provide solutions to Travel Insurance and we feel this Medical Screening website offers a comprehensive policy with the  advantage of covering most pre existing medical conditions.

JS Insurance has partnered with goodtogoinsurance.com to provide specialist winter sports travel insurance cover for those who may have difficulty obtaining appropriate cover from a standard product, either due to pre-existing medical conditions or age.

• Travel Insurance with Medical Screening
• Cover for medical conditions, up to a high level of severity, even a terminal prognosis
• No age limits on single trip policies

If you are looking for ski insurance or snowboard insurance and you have a pre existing medical condition, then we have a product for you.

Single Trip and Annual Travel Insurance with cover for all kinds of pre existing medical conditions up to a high level of severity, including cancer, heart conditions, diabetes, asthma, mental health conditions and many more.

Our medical travel insurance can provide cover for:

• Cancer, diabetes, asthma, heart conditions, mental health conditions and more
• Up to a high level of severity and even a terminal prognosis
• Cover available to people on a course of chemotherapy or radiotherapy
• Cover for loss of medication & mobility aids
• Cover your travelling companions on the same policy.
• No age limit on our single trip policies

To help us provide you with appropriate cover you will be asked a few simple questions about your condition such as the number of medications you are taking and the last time you visited a doctor. The process is very easy and will only take a few minutes.

So if you suffer from a medical condition and you are planning a Wintersports trip,  get a quote for our medical travel insurance today.

JS Insurance has partnered with www.goodtogoinsurance.com to provide specialist travel insurance cover for those who may have difficulty obtaining appropriate cover from standard product, either due to pre existing medical conditions or age.

This insurance covers up to a high level of severity, even a terminal prognosis, and there is no age limit on a single trip policy.

Single trip and annual travel insurance with cover for all kinds of pre existing medical conditions, including cancer, heart conditions, diabetes, asthma, mental health conditions and many more.

Our medical travel insurance can provide cover for:

• Cover available to people on a course of chemotherapy or radiotherapy
• Cover for loss of medication & mobility aids
• Cover your travelling companions on the same policy
• No age limit on our single trip policies

To help us provide you with appropriate cover you will be asked a few simple questions about your medical condition such as the number of medications you are taking and the last time you visited a doctor. The process is very easy and will only take a few minutes.

So if you suffer from a medical condition and you are planning a trip abroad, get a quote for our medical travel insurance travel insurance today.

JS Insurance in association with one of our providers has today launched a new website that makes screening for medical conditions and purchasing travel insurance simple and hassle free. This is a online system that allows JS Insurance to offer Single Trip and Annual Multi Trip Travel Insurance and do the medical screening in one go and without having to call an external company for a medical reference number to issue a policy.

JS Insurance Medical Screening

If you wish to get a quote or purchase a travel insurance policy that offers cover for pre existing medical conditions, please call us on 01273 773 017  or email us on support@jsinsurance.co.uk.

From 1st May travellers arriving in Cuba would be required to purchase Cuba Health Insurance, and those arriving without proper cover, would be required to buy an appropriate policy from a Cuban insurance company at the airport, port, or marina where they arrive.

A list of approved insurance companies had been released in April.

The Cuban Ministry of Foreign Affiars has now published on its website taht rather than establishing an approved list of insurers, as originally proposed, it now simply requires people entering the country to have a policy that includes health cover for people visiting Cuba.

The requirement to purchase a Cuban insurance policy will only apply to those with Cuban exclusions in their policy.

We recommend that travellers will just need to ensure they have their policy documents to hand when arriving in Cuba as they may be checked by the authorities.

In March, the Cuban government decided that all travellers arriving in Cuba from 1st May 2010 and beyond would be required to purchase Cuba health insurance.

Tourists, Foreigners with temporary residence in Cuba and Cubans living abroad who return to visit will have to have a travel insurance policy that covers medical expenses or a policy for medical expenses with coverage in Cuba.

The insurance policy would be purchased in the traveller’s home country but for those tourists arriving without proper cover, they will be required to buy an appropriate policy from a Cuban insurance company at the airport, port or marina where they arrive.

In early April a list of approved insurance companies was released, which mostly consists of assistance companies rather than insurance companies.

AXA Insurance in conjunction with AXA Assistance have written confirmation from Cuban Assistance Company ‘ASISTUR’ certifying that travellers are fully covered by AXA policies and will not be required to buy additional insurance upon arrival.

ASISTUR is the AXA Assistance Group (AXA Assistance, AXA Travel Insurance and Inter Partner Assistance) representative in Cuba.

Travellers will just need to ensure they have their policy documents to hand when arriving in Cuba as they may be checked by ASISTUR.

If you have concerns regarding Swine Flu and travel, then please read the following information about Swine Flu and Travel Insurance.

Before you travel, you should firstly make sure that you are aware of the most up-to-date Swine Flu travel advice from the Foreign and Commonwealth Office and the World Health Organisation. Both of these organisations give the very latest, official and most reliable information available.

It is also important to remember that Travel Insurance policies do not cover any individual for travel to countries which the FCO and/or WHO advises against all but essential travel. For your own safety, you should always check the status of the country to which you are travelling by visiting that country information page on the FCO website.

Some of our policies will provide cover for cancellation of your trip if you have been diagnosed by a medical practitioner with having contracted Swine Flu, or if you have been quarantined by a medical practitioner and develop Swine Flu.

If you have travel insurance, which includes Cancellation or Curtailment cover, and have booked your trip, but then contract Swine Flu and are consequently unable to travel, you will be covered for the cancellation of your holiday, subject to you providing proof that you were ill and unfit to travel at the time of your scheduled departure date. A certificate should be obtained from your medical practitioner to confirm this. Where a diagnosis has been made by the National Pandemic Flu service we will need the unique number from the service together with the original copy of the label from the prescribed anti-flu drugs.

However, please be aware that there is no cover for cancellation of your holiday if you have not been diagnosed with Swine Flu and simply do not wish to travel to your holiday destination for fear of contracting Swine Flu.

Our policy will provide cover under the medical section, this will extend to cover if you are quarantined and develop Swine Flu, e.g. you can’t fly home for fear of passing on to others and are confined to your accommodation. The costs of this will be met, as will the cost of the return flight but this will only be upon prior approval from the assistance company.

If you contract Swine Flu while you are away and need medical assistance your policy will cover you within its limits. In addition, the costs of any quarantine or alternative return flight as recommended by your doctor and the assistance company will be covered.

Emergency Assistance:

AXA Insurance +44 (0) 845 223 5568

Towergate AUL +44 (0) 845 218 1642

Elect +44 (0) 844 811 0929