3 years ago

DestinationsTravel Tips

What Does Travel Insurance Cover?

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I am often asked “what does travel insurance cover” so along with some of my own travel tips, I caught up with the team at Multitrip.com to find out.

 

Despite travel insurance being such a tiny part of the overall holiday cost, it amazes me that some people still travel without it. There is a misconception out there that if you are only going on a short trip, or travelling inside the EU, that you don’t need it. The reality is, if you are travelling abroad, you NEED travel insurance! You can now purchase a two year Multitrip travel insurance policy for as little as €31.99, so it makes no sense NOT to have it!  If you are wondering what does travel insurance cover, I have compiled this list from Multitrip.com along with some top tips that I have learned on my travels.

Medical Expenses, Repatriation, Personal Accident

When you are away, accidents and medical emergencies can happen and end up being hugely expensive to treat. That’s why these are important aspects of your travel insurance to consider, especially if you are travelling with a medical condition or while pregnant. A policy should also provide cover for repatriation back to Ireland if necessary.

what does travel insurance cover

My Top Tips:

This is the number one reason why people take travel insurance, however the key is to make sure you are adequately insured. Medical bills in the States can be colossal and in some countries public hospitals can be in poor condition. Ideally you want a full medical travel cover so that you are covered in a private hospital and for air ambulance, should you not be able to fly home on a commercial flight. Remember the European Health Insurance Card (formerly E111) only covers you in a public hospital, not private, and in European countries only.

If you or a close family member, have a pre – existing illness you MUST disclose this to the insurance company at the time you book your policy, otherwise you may not be covered. This also applies for cancellation purposes too.

 

 

Cancellation and Curtailment

They say that “life is what happens when you have other plans!”  You can get too sick to travel, a close relative may become ill or you may have been made redundant prior to your departure, meaning you may have to cancel part of, or your entire trip. Cancellation and curtailment cover will reimburse you (up to a specified limit) if these occurrences disrupt your plans.

what does travel insurance cover

My Top Tips: 

If booking expensive holidays, check that the cancellation cover is adequate. Some policies have a limit of €1000 per person, you may find that for an small fee you can be covered for €5000 per person. Make sure you take out cover at the time you book your holiday to ensure you are fully covered for cancellation.

 

 

Delayed or Lost/ Stolen Baggage

It’s one of our worst fears: arriving at our destination only to find the bag we spent days carefully packing hasn’t decided to join us. By having delayed or lost baggage coverage in your policy, you’ll be able to claim for the expenses you incur (up to the limit stated) until your bag catches up.

what does travel insurance cover

My Top Tip: 

Always pack a change of clothes for each person in your party in your hand luggage as well as small toiletries (under 100ml) and any medical requirements.

 

 

Personal Money, Documents & Passport

Pickpockets can be a common threat in many of the world’s major cities. Losing money on your travels can also happen. It’s well worth having travel insurance that covers you (up to a stated amount) in the event of any lost, stolen or damaged personal money and travel documents.

what does travel insurance cover

My Top Tip:

Note expensive items need to covered on your house policy so have these in a safe place at all times. If you are unlucky to have items stolen on you, make sure you call the police. Travel Insurance companies rarely refund expenses without an official police report.

 

 

Personal liability

When staying in Hotels, Airbnb’s, Hostels or even couchsurfing, it’s important to have Personal Liability cover in case you damage the property, and/or someone gets injured and they make a claim against you.

what does travel insurance cover

 

Missed Departure

Missed departure cover will protect you (up to the stated limit) if you miss your flight because of reasons out of your control, such as an accident, breakdown of the vehicle you are travelling in, strikes or adverse weather conditions.

 

 

Delayed or Holiday Abandonment

Nothing can be more frustrating than a delayed flight that leaves you waiting for hours at the airport. In cases where your flight is delayed for 12 hours, you could be entitled to compensation from your travel insurer. Read my post about cancelled flights and what to do when things go wrong.

what does travel insurance cover

Catastrophe

If an earthquake, storm, flood, tsunami or other incident force you to change your plans and your tour company is unable to assist you, a good travel insurance policy can be vital. In many cases it will cover your costs of moving from your pre-booked accommodation and other irrecoverable costs necessarily incurred to continue with the trip, or even if you have to return home.

what does travel insurance cover

My Top Tip:

No one could have foreseen the extent of flight disruption when 10 million people were stranded and 100,000 flights were cancelled due to the Icelandic ash cloud, or more recently the amount of air traffic control strikes and pilot strikes we saw this Summer. I always recommend that you add travel disruption cover to your existing policy (extra charge applies). You will be covered for additional expenses if your flight is cancelled or delayed for more than 12 hours. You can also claim back expenses due to flooding, earthquakes or if you are advised against travel to a specific country due to unrest.

 

 

Other Considerations

Each trip you plan will bring with it its own unique considerations when it comes to travel insurance. Please keep in mind that all travel insurance policies have certain exclusions, additional cover levels and excesses that apply, so make sure you do your research and read the terms, conditions and exclusions before you buy.

For more on travel insurance, check out Multitrip.com’s Cover Handbook and the FAQ’s on their website. You can also get a great value quote on their website today by clicking here.

 

 

Like Travel Tips? See more here.

 

Sarah

The Travel Expert

Travel

Does Norwegian Cruise Line Offer The Best All Inclusive At Sea?

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From Barcelona to the Bahamas, with premium drinks, tips and gratuities included, Norwegian Cruise Line offers some of the best all inclusive cruises on the market.

 

I am a big fan of cruises and I have been fortunate to be on board many cruise ships. The question I am asked the most is ‘what is the best cruise ship? A question that is impossible to answer! Some cruises are more suited to adults, others for families, and with itineraries varying greatly from Alaska to South East Asia, it is important to match the right cruise with each person. However, when it comes to all-inclusive cruises, there is one that springs to mind above all others, Norwegian Cruise Line.

all inclusive cruises

Norwegian Cruise Line have been cruising for over 50 years, have 16 ships and have been voted Europe’s leading cruise line eleven years in a row! They have also won North America’s Leading Cruise Line and Caribbean’s Leading Cruise Line for the third and sixth consecutive year respectively, making them the most awarded cruise line at the 2018 World Travel Awards. When they decided to change to all inclusive cruises, it was a real game changer in the cruise industry.

I have teamed up with Travelnet.ie who are agents for Norwegian Cruise Line and who have been selling holidays and cruises for over 150 years in Ireland. Suffice to say they know their stuff and will know how to choose the right cruise for you. Find out below why I think Norwegian Cruise Line offer some of the best all inclusive cruises on the market.

all inclusive cruises

ALL of Norwegian’s cruises are premium all-inclusive.

No matter which cruise ship or itinerary you choose, all meals and premium drinks are included in the price of your cruise. Imagine not having to think about money at all. Ordering branded spirits, cocktails, even speciality coffees without having to pay anything extra – even tips are included! So you can order drinks as many times as you like, any time of day, in all bars, all lounges and dining areas! You don’t have to wear a wrist band showing what drinks package you have paid for. The bar staff don’t have to check if you have the basic or premium drinks package – all cruises are sold on a premium all-inclusive basis. They even throw in 60 minutes of free WiFi per person, so you can instagram your pina colada to your hearts content!

all inclusive cruises

Norwegian offers ‘Free Style’ cruising:

It is not only the premium drinks that separate Norwegian Cruise Line from it’s competitors. Norwegian’s ‘free style cruising’ means you can leave your dinner jackets and cocktail dresses at home! Everything on board is relaxed and you can dine whenever and wherever you like. If you want to dress up and enjoy a four-course meal in the main dining room – you can. If you fancy casual dress with pizza and beer, that’s cool too! You don’t have to sit with strangers or dine at 8pm, there are dining options available 24/7. Norwegian Cruise Line also offer speciality restaurants including steakhouses, Italian restaurants and Asian offerings, featuring Teppanyaki and sushi cuisine. Note à la carte pricing applies.

all inclusive cruises

The facilities on board are superb.

Norwegian Cruises are famous for their superb facilities on board including thrilling aquaparks and Mandara spas. However their new innovative experiences are unprecedented. Norwegian Bliss has a multi-level go-kart track and open-air laser tag arena on board. Its 200,000-square-foot observation lounge offers the most expansive views at sea – perfect for seaviews and cocktails🍸. Complete with a full-service bar, (and remember all drinks are included in the price of your cruise), you may not want to leave! As well as a host of children’s clubs and activities available, parents will be happy to hear they can have a a ‘Date Night’ where kids are supervised and dropped back to their cabin before 1am.

all inclusive cruises

Enjoy award winning entertainment

From Broadway musicals to acrobatic shows, live music to comedy shows – Norwegian Cruise line know how to entertain. Favourites such as the acrobatic Cirque Dreams and Priscilla Queen of the Desert, as well as five-time Tony® Award-nominated musical, Rock of Ages, ensure memorable nights on board. Music lovers will enjoy ‘Legends in Concert’, the longest-running tribute show in entertainment history, with performances from tribute artists such as Adele, Tina Turner and Michael Jackson. If you don’t fancy taking in a show there are plenty of other bars to choose from. Enjoy a cocktail at the Ice Bar or play a game of pool at the pub – the choice is yours!

all inclusive cruises

Travelnet.ie have lots of special offers on all inclusive cruises with Norwegian which you can see here. If the dates on their website don’t suit, or you have particular requirements, call their dedicated sales team on 01 5310402 or 021 4851700. Alternatively fill out the enquiry form online and they will get back with the best options to suit you.

Prices are correct at the time of issue but are subject to change. Note not all facilities and activities mentioned are on all 16 ships. Ask your Travelnet cruise consultant for more details on specific offerings. This post was sponsored by Travelnet.ie but all views, as always, are my own.

 

Sarah

 

 

 

Holidays in Ireland

Dunbrody House Serves Up Much More Than Just Good Food

Dunbrody House Window

With celebrity chef Kevin Dundon at the helm, our stay in Dunbrody House was always going to be about the food. However, it did win ‘Luxury Country House of the Year’ by the Luxury Travel Guide, so is there more to Dunbrody House than just good food?

I have always been a food lover, my mother often reminds me that when I was a little girl, I used to ask three days in advance what we were having for dinner. And when my sister married a two-Michelin star chef 30 years ago, food became an integral part of our family life – you can imagine what it was like at the early stages when he was invited to dinner! My career in travel developed my palette too. From Spain to Sri Lanka, no matter where I travel, I love trying local foods.


 

 

 
So when Ireland’s Blue Book invited me to stay in Dunbrody House, I jumped at the chance. Dunbrody House is renowned for using fresh local ingredients. Their seasonal dishes include Comeragh Mountain Lamb in Spring, Fresh Duncannon Crab with Dressed Baby Leaves in Summer, and Slow Cooked Haunch of Venison in the depths of Winter. I think I need to visit during every season….

Dunbrody House
 

 

 
But other than having great food, I didn’t know too much about Dunbrody House, which was probably not a bad thing. I set off with my good friend Ita, with a completely open mind, for a rare girls night away.

After a leisurely two hour drive from Dublin we arrived at Dunbrody House. Set in 300 acres of parkland, you get the impression you are arriving somewhere special, as you drive the tree lined road up to the house. We were greeted by a magnificent crimson coloured creeper that hugged the side of the 1830’s Georgian manor. The hall door, wasn’t bad either – I had to grab a quick snap before we were shown to our room.

 

We were warmly welcomed by Catherine Dundon, who quickly showed us around and led us to our spacious deluxe room. It was elegantly decorated in typical country house style, with added modern touches of an iPhone docking station and Nespresso coffee machine.
 

 

 
I loved the views of the grounds from our windows and that we were able to walk directly through French doors into the garden. The gardens were so well kept, but as much I loved the Autumn leaves, I couldn’t help but imagine how different the house and the gardens must look in different seasons. The spring daffodils, crackling log fires in the period fireplaces in the winter, I think Dunbrody House must have a rare talent of being able to appeal at any time of year.

dunbrody house
 

 

 
We arrived just in time for lunch, obviously well planned 😉. Dundons Champagne Seafood Bar, which serves outside on the terrace in the Summer months, did initially take my fancy, but when we heard there was a cosy country pub on the grounds, we had to investigate. ‘The Local’ was a big surprise for me. I read on their website that there was a pub on-site but I never expected it to be so authentic. We loved it. It is located just meters from the house, yet we never felt like we were in a hotel at all.

Dunbrody House
 

 

 
We arrived on a Sunday which is when they have Jazz brunch from 12-4pm. The ‘girl from Ipanema’ was playing when we walked in. They make craft beers on site and they have REAL fish and chips. I was in my element. The fish and chips was delicious. The fish was beer-battered and served with chunky chipper style chips, in chip-shop paper!
 

 

 
They also have stone-oven baked pizzas, gourmet burgers and American style pancakes. My friend Ita opted for the porter glazed rack of pork ribs, spiced slaw and chips – it was finger-licking good.

dunbrody house
 

 

 
It is not only hotel guests that frequent The Local. They offer live music every Friday and Saturday night, as well as the Jazz Sunday brunch. Customers are brought home on the ‘Safe-Home’ shuttle bus to Arthurstown, Duncannon, Ramsgrange and Ballyhack! If only there was a ‘Safe-Home shuttle’ in my local…
 

 

 
We decided to walk off our lunch by strolling down to the village of Arthurstown. This was actually a lot closer than we thought, we were there within minutes. This pretty little town has a quaint harbour which we explored and a cool country bar, the Kings Bay Inn. It had the perfect outside table with our name on it. It was a balmy sunny evening and we had perfect sea views – we had to stop for a dink, sure we were on a girls night away after all.

 

After our cocktails by the sea, it was time to go back to the house for some chill time before dinner. It is strange that I would call it a house rather than a hotel, but that is really what it feels like. Husband and wife, Catherine and Kevin Dundon, own and operate Dunbrody House and have created a traditional homely atmosphere. Although they no longer live in the house, Catherine admitted she spends most of her time there. In fact, she only had one day off during the month of August. Her passion was infectious and she was only too happy to show us around the grounds.

 

In between the herb and vegetable gardens, there were sculpted tree trunks and deep forests, we even came across one of the resident horses. I loved the ‘cosy cabin’ – a self contained two bedroomed house with stunning views over the valley. This would be ideal for a family stay and it is also listed on Airbnb – my mind was working overtime! They also have the 1830’s Stewart’s House, complete with an open fire, which suits families or up to six adults.

dunbrody house

It was time for dinner. After a delicious rhubarb cosmopolitan in the bar, we went into the Harvest Room. It felt more like a classy restaurant than a hotel dining room. Although I must admit, I have had better scallops, the Dunbrody double joint was incredible.
 

 

 
They have a different daily roast for two each day, but this was probably one of the best beef joints I have ever tasted. It was perfectly cooked and bursting with flavour. I loved the presentation too, served with mouthwatering beef cheeks in a red wine jus and bearnaise sauce. It was accompanied with fresh vegetables that I can only assume came straight from the garden.

dunbrody house
 

 

 
Our desserts were delicious too, I had the almond tart, and Ita opted for the dark chocolate and praline filled macaroon with praline ice cream. We were guests of Dunbrody House but our three course menu was priced at €70 per person which included the €5 supplement for the beef joint – a little pricey, but worth it in my opinion.
 

 

 
We fell into our comfy beds, complete with goose down pillows and orthopaedic mattresses. We ended up having an early night, not exactly a wild girls night out, but it was exactly what we wanted – cocktails, delicious food, wine and lots of girly chats! We woke fresh the following morning, although not fresh enough to help make scones in the kitchen at 7.30am, (which guests are invited to do).

dunbrody house

I attempted to fly my drone instead (not my finest hour – it crashed into one of the trees!) so we decided to take another stroll around the grounds before going for breakfast. I loved being in a country house, it felt so relaxed, we could read the papers in the drawing room or ramble around the grounds.
 

 

 
Dunbrody House also has a cookery school which is offers a variety of courses, from beginners, to specialised courses for gourmet chefs. The two-day ‘Dinner Parties for Six’ course sounds like a winner to me, All of the courses have been personally designed by Kevin Dundon with an emphasis on using locally-sourced ingredients and simple recipes. A word of warning – you will need to book in advance.

dunbrody house
 

 

 
There is spa on-site too, which we had a quick tour of. The spa offers a wide selection of treatments using Aromatherapy Associates London, an Asian-styled Serail steam & mud room as well as a relaxation room with day beds. It was one of those moments when I wished we had another day.

dunbrody house
 

 

 
In true Dunbrody style, breakfast is served until 12 o’clock, and boy did we take advantage of it! We were seated at a perfect table overlooking the grounds so we stayed there for over an hour. We enjoyed muesli from the buffet counter and a mini full-Irish – that was definitely not mini. However, I couldn’t resist the homemade scones with jam and cream afterwards….

dunbrody house
It was time to say goodbye to Catherine and all at Dunbrody House. We left with heavy hearts and full tummies, to discover the surrounding area, before our drive home.
 

 

 
Country House Hotels can sometimes be quite isolated but not Dunbrody House. There is so much to see and do close by. We took the scenic coastal drive around Hook Peninsula, the culmination of Ireland’s Ancient East. We stopped briefly at Hook Lighthouse, the world’s oldest working lighthouse. Not only is it one of Wexford’s top attractions, but it is one of Ireland’s too.

dunbrody house

Dunbrody House is also close to the Dunbrody Famine Ship, Tintern Abbey, The Kennedy Homestead and Loftus Hall – Ireland’s most haunted house! Needless to say we didn’t have time to see them all, but we did manage a brief stop in Duncannon Beach – a spot I would certainly like to come back to.

dunbrody house
 

 

 
Yes Dunbrody House most definitely has a foodie focus. In fact, it is rare that a country house with twenty-two rooms has three different dining options. However, it is not only the food that makes Dunbrody stand out as one of Ireland’s luxury Country Houses. It’s old world charm makes you instantly feel relaxed, the facilities on site such as the spa and cookery school, as well as 300 acres of grounds to get lost in – will make you want to come back for more. Sure I would have to try the Comeragh Mountain Lamb in Spring – right?
 

 

 
Prices from €75 per person sharing in low season for bed & breakfast but I think the dinner, bed & breakfast is the best option. Priced from €145 per person including a late check-out till 2pm (great considering breakfast is served till 12 o’clock!) and a complimentary room upgrade when using a Blue Book Voucher.

 

Visit DunbrodyHouse.ie or Irelands Blue Book.ie for more details

 

Like Holidays in Ireland? See more here.

 

 

This post was sponsored by Ireland’s Blue Book, but all views, as always, are my own.

 

Sarah

The Travel Expert

 

 

Best Travel Deals

2nd October 2018 – The Travel Expert’s Best Travel Deals

Best Travel Deals

In my best travel deals this week I have a last minute escape to Gran Canaria, the October bank holiday weekend in Iceland, a winter break in Lanzarote, Lapland for less, a cruise to Cuba and all inclusive in Mauritius and Zakynthos!

 

Best last minute:

Escape to sunny Gran Canaria on the 18th of October for only €313, staying in the Monte Feliz apartments for seven nights. This is actually less than half price and includes flights, accommodation, transfers and checked baggage too! But you better hurry, there are only two apartments left!

Click here for more details:

 

 

Best city break:

Spend the October bank holiday weekend in Iceland. Wallace Travel have direct flights from Dublin for only €208 including taxes for four nights. And I found a great deal in the highly rated Stay Apartments Boholt in Reykjavik for only €220 per person. Flight departs on the 25th of October at 1120 and returns at 5pm so timings are ideal, and they even included checked baggage!

Click here to book flights: €208pp

Click here to book apartment €220pp

 

 

Best winter deal:

Need a little luxury this winter? Enjoy a seven-night stay at the 5* H10 Rubicon Palance, Lanzarote for only €595 on the 29th of November. Price includes flights, checked baggage, seat selection, priority boarding, transfers and hotel on a bed & breakfast basis.

Click here for more details:

 

 

Best family deal:

Fancy a trip to Lapland without the expensive price tag? Click&Go offer packages throughout the winter, and would you believe Santa’s village is open all year round! Wouldn’t that be a nice surprise for under the tree?

Click here for more details:

 

 

Best cruise:

Is Cuba on your bucketlist? Enjoy a five night stay in Orlando followed by a four-night, premium all-inclusive cruise to Cuba on Norwegian Sun, for only €1279 in May! Price includes flights from Dublin, five nights in the popular Rosen Inn Pointe Orlando and all meals, drinks, gratuities on the cruise. They even throw in the Cuban visa!

Click here for more details:

 

 

Best long haul deal:

Enjoy a seven-night stay at the highly rated Zilwa Attitude hotel, Mauritius from only €1499 in November or December and  €1589 in May. Price includes flights, transfers and all meals and drinks throughout your stay. If those dates don’t suit – special offers apply from 28th April – 30th September 2019.

Click here for more details:

 

 

Best early booking offer:

Go all-inclusive in the stunning Greek island of Zaknythos next Summer. With prices from €585 including flights, accommodation, transfers, baggage and all meals and drinks – how can you afford not to?

Click here for more details:

 

Prices are correct at the time of issue but are subject to change. Please note some of my best travel deals include affiliate links where I receive a small commission if a booking is made.

 

Sarah

travel deals

Travel

Sunway’s Winter Holiday Sale – Prices from €349 Including Flights, Accommodation, Transfers & Baggage!

5_day_holiday_sale

Looking for a winter sun break? Sunway Holidays have just launched a five day winter holiday sale with prices from €349!

 

All the prices in Sunway’s five day winter holiday sale include flights, transfers and checked baggage – with NO HIDDEN EXTRAS! The sale ends at midnight on Sunday the 14th of October, but be quick – with prices up to 40% off, they won’t be around for long!

 

1. Puerto Rico: 1st, 8th, 15th December from €349pp

winter holiday sale

Puerto Rico is one of the Canary Islands most popular resorts and is perfect for anyone looking for lively holiday. Built into a cliff, this sheltered resort usually offers the warmest temperatures on the island.  Stay at the popular Monte Verde apartments which are very centrally located to enjoy all that the resort has to offer. And remember the price of €349 includes flights, checked baggage and transfers!

Click here for more details:

 

2. Fuerteventura: 1st, 8th, 15th December from €349pp

winter holiday sale

Looking for some of Europe’s best beaches, great water-sports and warm temperatures? Go to Fuerteventura. Stay in the Globales Costa Tropical apartments in the popular resort of Caleta de Fuste. With a wide choice of sports and relaxation activities on site, this is a perfect choice for relaxing week in the sun. And remember the price of €349 includes flights, checked baggage and transfers!

Click here for more details:

 

3. Lanzarote: 5* Princesa Yaiza Hotel from €999pp

winter holiday sale

The Princesa Yaiza is not only one of Lanzarote’s best hotels, but it is one of the best throughout the Canary Islands – just check out the reviews on tripadvisor! If you book a double superior room during Sunway’s five day winter holiday sale you will be upgraded to a suite. Prices start from €999 on the 8th of December but other dates and offers are available. And remember the price of €999 includes flights, checked baggage and transfers!

Click here for more details:

 

4. Morocco: 1st, 8th December from €369pp

winter holiday sale

Combine sunshine with culture and enjoy a week in the inspiring resort of Agadir this winter. Stay at the traditional Tilila studios which have been recently refurbished. Highly rated on tripadvisor, they are an ideal choice for a great value break in the heart of this trendy beach resort. And remember the price of €369 includes flights, checked baggage and transfers!

Click here for more details:

 

5. Cyprus: 4* Athena Royal Beach Hotel from €439

winter holiday sale

Looking to try somewhere new this winter? With the introduction of direct flights from Dublin, Cyprus is now more accesible than ever. Cyprus is the third largest island in the Mediterranean and is full of culture, history and white sandy beaches. Stay in the highly rated Athena Royal Beach Hotel in Paphos for only €439. Located right on a sandy beach and only 15 minutes walk to the harbour, it is not surprising that it is rated one of Paphos most popular hotels on tripadvisor. And remember the price of €439 includes flights, checked baggage and transfers!

Click here for more details:

 

All prices are correct at time of issue but are subject to change. This post was sponsored by Sunway Holidays but all views, as always, are my own.

 

Sarah

 

travel deals

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