JS Insurance blog

Planning for the adventure that summer brings is exciting for everyone, from singles to those with families alike. People are hunting for the perfect getaway that would take them from the doldrums of everyday living. Most dream of having the elements of adventure, luxury, and relaxation in one package. The answer is a summer cruise deal.

In a cruise, every day is a day to look forward to and every night, an evening of luxury and relaxation where the day’s adventure could be savoured. It holds both the promise of something new and the comfort of the familiar to return to. These floating cities of strangers with the shared goal of having fun and relaxing most times return home fast friends from shared experiences.

Sailing on a Spanish Mediterranean Cruise

The Spanish Mediterranean is a place steeped in history, music, dances, and art. There are fiestas occurring every now and then that are unique events in themselves and are quite fun to observe or participate in. The places that the cruise will visit are also renowned for their beaches and the hospitality they show tourists who visit.

North Cape and the Norwegian Fjords

Those who prefer cooler climates would love the scenery that North Cape and the Norwegian Fjords can offer. The first stop, Stavanger, contains the oldest cathedral in Norway. The city, and the vicinity surrounding it, was selected in 2008 as a Capital of Culture in Europe. The next destination, Flaam, is on the Aurlandsfjord surrounded by steep cliffs and waterfalls. It is known for the serenity and a natural beauty that has never failed to enthral those who see it for the first time and even those who have returned to experience it again. This is only the beginning of the journey.

Singapore to Cape Town

Those who would like to enjoy a grand odyssey that spans three continents would definitely enjoy this cruise. The journey starts with Singapore, Kuala Lumpur, and Langkawi Island in Southeast Asia. These places mix the cultural diversity of both east and west due to influence from both Europe and Ancient China. They are places where exotic trade goods passed through a few hundred years ago. Even today, their influence on trade is still felt. This is followed by a trip to Port Victoria in Australia which is a whole different culture altogether. Then the journey proceeds across the Indian Ocean towards various destinations in the African continent known for its wildlife and nature preserves. Truly a cruise that expands one’s horizons.

How important is it to cover yourself for a cruise travel?

“Why worry about it, right?  What could possibly go wrong? Nothing serious ever happens to me.”

That’s exactly the type of comment you shouldn’t make when it comes to something as essential as Travel Insurance for your expensive cruise deal. Any number of things could go wrong while you’re sailing the world; you could become seriously ill;  you could break a bone or hurt yourself;  you could end up being robbed and lose quite a bit of money.

So what makes JS Insurance so special ?  What do we offer when it comes to Cruise Travel Insurance?

Our Service is First Class

We aim to respond to, and settle your claim in as quick a way as possible. This is our dedication to your needs. We take your custom seriously. We assure a first-class service experience.

We offer Twenty-Four Hour Emergency Assistance

If you get injured, or become ill on your trip, our policy provides for a medical emergency service. This includes repatriation, if necessary.

Generous Personal Possessions Cover

Typically, cruise passengers take more luggage and clothing than average holidaymakers do. We offer up to 2,000 pounds of possessions cover.

We offer Discount for Children’s Cover

If you’re covered with us, your child of up to two years is covered for free. If you’re covered, and your child is between the age of three and seventeen, cover costs only 50 per cent of your rate.

No Upper Age Limit

Our Cruise Travel Insurance is available for people of all ages.

High Cancellation Limits

We offer up to 10,000 pounds cancellation cover for people up to and including 70 years of age. For those of 71 and up, we offer an 8,000 pounds cancellation limit.

We offer Insurance for Trips of up to six months duration

Our policy covers you for a trip of up to six months.

Pre-existing Medical Conditions

Our policy covers most pre-existing medical conditions. We can offer information about which conditions are covered.

Your Cruise’s cost determines the Premium

Our insurance premiums are based upon the cost of your cruise. This means that you get the best value for your money. If you’re not taking a high profile luxury cruise, you won’t be paying high profile insurance for it. this is a great deal!

Call us for more information on 0844 848 1500, and make sure you’re covered when taking a cruise holiday.

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.

For those who plan to travel to Egypt whilst the unrest continues, there are a number of issues and restrictions, which are outlined in this article.

The Foreign Office are advising only essential travel  to Cairo, Luxor, Suez and Alexandria should be made. The Red Sea Resorts (such as Sharm-El-Sheik) at the moment are not affected by these restrictions.

If you have or you are planning on purchasing a travel insurance policy, there are some important information to consider:

• Any affected policyholder will be given the opportunity to move their travel dates to a future trip providing it is of the same duration / geographical area – otherwise a premium “top up” may be required.
• Any Insured person who is unable to return to the UK on their scheduled return date as a result of these protests will have the protection afforded under the policy extended free of charge until such time they are able to return to the UK
• Customers who wish to cancel their policies due to the protests should be offered a rescheduled policy as described in point 1, if it is not possible for them to accept, they should be   granted a maximum refund of 50% (please contact goodtogoinsurance.com to clarify how this should be processed) - as long as no claim has already been made against the policy.
• No cover exists under the policy for cancellation under these circumstance
• No cover exists for delayed departure under these circumstances (other than the extension to cover mentioned under point 2)

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.

The Foreign & Commonwealth Office advice have now issued a statement against all but essential travel to Tunisia, here is a guide to what a travel insurance policy will cover.

• Any policyholder will be given the opportunity to move their travel dates to a future trip providing it is of the same duration / geographical area – otherwise a premium “top up” may be required
• Any Insured person who is unable to return to the UK on their scheduled return date as a result of these protests will have the protection afforded under the policy extended free of charge until such time they are able to return to the UK
• Customers who wish to cancel their policies due to the protests should be offered a rescheduled policy as described in point 1, if it is not possible for them to accept, we can offer a refund as long as no claim has already been made against the policy.
• No cover exists under the policy for cancellation under these circumstances
• No cover exists for delayed departure under these circumstances (other than the extension to cover mentioned under point 2)

As we are experiencing adverse weather conditions in the UK at the moment, this article is a guide as to what you are covered for with a Travel Insurance policy issued by JS Insurance.

As the severe weather conditions continue to affect travel on the roads, rail and at most airports please find below a reminder and clarification on cover that is available under our policies.

Cancellation or Curtailment: No Cover with standard policies

Emergency Medical: Cover does apply

Delayed Departure or Abandonment: Cover does apply with standard policies for delayed flights only. Most policies stipulate a delay of 12 hours before the benefit applies, with abandonment of the trip being allowable after a period of 12 or 24 hours. Customers must have checked in accordingly in order to meet the terms of the policy.

Missed Departure: Cover does apply. Customers wishing to continue their trip due to missing their departure due to road closures, public transport failures or accidents resulting in severe delays can claim for additional transport in order to reach their destination.

Baggage and Baggage Delay: Cover does apply.

Frequently Asked Questions:

I have travelled to my departure point only to find that services have been cancelled, can I claim for my transport costs or abandoned trip?

No, there is no cover for announced cancellation of departures.

My departure was delayed at first and it has now just been cancelled, can I claim for abandonment?

Unless the departure was delayed for the time stated in the policy (usually 12 hours) then no cover is available.

My departure was delayed for 14 hours and hen cancelled, can I claim for my trip?

Providing that the time frame of the policy (usually 12 hours, however some policies stipulate 24 hours) to qualify for abandonment has been reached then yes a claimcan be made for any unused travel and accommodation expenses.

Please check the policy you have purchased or the quote you have received.

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 has recently introduced a new scheme for iPhone Insurance which is an annual policy with a premium of £89.00 per year (£69.00 for the iphone 3G), which constitutes a monthly cost of £7.42 per month.

In making a comparison with retail outlets, we have found that their premiums are higher for the iPhone and even the monthly premium for a rolling contract is higher than the £5.99 we offer for all other phones including Blackberrys:

JS Insurance:  £7.42 per month (Annual policy only)

02:  £15.00 per month

Phones 4 U:  £13.99 per month

Vodafone:  £12.99 per month

Carphone Warehouse: £12.00 per month

Orange: £12.00 per month

All other mobile phone models including Blackberrys have a monthly direct debit premium of £6.99, where as the monthly premium offered by JS Insurance is £5.99.