COVID 19: We've Updated our Sapphire and Platinum Products with NEW Coronavirus Cover. Find Out More

Breast Cancer Awareness Month: The Debate

Every year October is Breast Cancer Awareness month (or ‘Pink-Tober’), when people show their support for those affected by breast cancer by raising money and wearing the famous pink ribbon.

What people may not know is that there are some cancer patients who feel very passionately that there are serious issues with these awareness days/months, which need to be addressed. At Insurancewith we are always interested in issues that affecting our customers and community, and so we wanted to do our own research into the debate – and the below outlines our findings.   

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Our Coronavirus Cover

At Insurancewith, we pride ourselves on putting the health of our customers first. So, when you’re ready to start travelling again, you can enjoy your holiday with peace of mind knowing that should you fall ill with the coronavirus during your trip, and require emergency medical assistance, you’re covered.

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Coronavirus FAQs

PLEASE NOTE: Following the Government’s national restrictions in England, we will be unable to provide cover for any trips which fall between 5th November – 2nd December 2020. You can however still purchase cover for future trips from 3rd December 2020 onwards. Please note, we cannot provide cover for anyone to travel against the advice of the FCDO. More information on our cover and Coronavirus can be found below.

If you’re an Insurancewith customer who is concerned about Coronavirus (COVID -19) and how it may affect you or your travel plans, we’ve compiled your frequently asked questions into one handy place:

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Important Information for customers about Thomas Cook

Following the news that Thomas Cook has gone into administration, we here at Insurancewith would like to clarify what is available to policyholders:

I have booked with Thomas Cook – what should I do to get my money back?

If you have booked a package holiday (flight and accommodation) through Thomas Cook then you will be protected by ATOL (Air Travel Organiser’s Licence). Please check your documents to see if you have an ATOL certificate

  • If you have not travelled yet

You will be entitled to a full refund of any money you have paid to Thomas Cook. You should contact the CAA (Civil Aviation Authority) in order to obtain more information on this. You can get more advice on how to make an ATOL claim by clicking here or calling the CAA on 0330 303 2800 from the UK or +44 1753 330 330 from overseas. 

  • If you are on holiday already

The CAA has made arrangements to ensure everyone can continue their holiday, and return on (very close to) their planned return date. For more information on how the CAA can help you, click here or call on 0330 303 2800 from the UK or +44 1753 330 330 from overseas. 

What if I have only purchased flights with Thomas Cook?

If you booked your flights directly with Thomas Cook then you may have protection under the ATOL scheme. Please check your documents to see if you have an ATOL certificate.

If you do have a certificate, then the CAA will provide refunds or assistance as described above.

What if I bought my Thomas Cook flights through someone else?

If any bought your flights from another tour operator, travel agent or flight agency, as part of a package arrangement you may also have some protection under either ATOL or the Package Travel Regulations. You should check you documents carefully to see what protection you might have, and you should contact your provider accordingly.

What happens if my holiday arrangements did not form part of a package?

If you have purchased your flight and accommodation arrangements separately, you will not be covered by either the ATOL or Package Travel Regulations, but that doesn’t mean that there aren’t any other steps you can take, please read on.

So how can I get my money back?

Under section 75 of the Consumer Credit Act of 1974, if you purchase anything on your credit card between £100-£30,000, (including your package holiday) you are protected.

Even if you paid only a small deposit for your trip and the rest of the payment was through other means, you will still be protected under section 75.

Section 75 allows you to claim compensation from your credit card provider when companies you have purchased services from go bust, including tour operators and travel agents.

So, you should contact your credit card company directly if you bought your tickets using your credit card.

What should I do if I paid by debit card?

If you have paid on a credit card or debit card and the booking cost less than £100, try chargeback. The chargeback scheme isn’t a legal requirement, it is just a customer service promise, but it is worth trying. For more information, click here.

I have travel insurance, can I claim?

Travel insurance policies, generally, do not provide cover if you are unable to go on your trip, or if you have to cut your trip short, due to the financial failure of any tour operator, travel agent, transport or accommodation provider.

This cover is usually provided under sections called Scheduled Airline Failure or End Supplier Failure, and may be included in your policy, or available as an optional extra for which you must pay an additional premium. You should check your policy documents carefully to see if you have this cover. (Insurancewith customers should read the section below)

If your policy does not specifically mention these sections then it is unlikely that you will be able to claim under your travel insurance policy.

If your policy does mention these sections, then you must be aware of the following:

  • Neither section provides cover for repayment of a package holiday.
  • You will only be able to claim for your Thomas Cook Flights if you are not able to claim compensation by any other means.
  • Neither section will provide cover for any additional aspect of your holiday that you have been unable to use. For example, if you cannot reach you accommodation.
  • Customer who have purchased a travel insurance policy for their trip should check their specific policy wording for more information on what is and isn’t covered.

I have an Insurancewith policy

If you have purchased one of the following Insurancewith policies, you will have cover for ‘End Supplier Failure’ which is provided by International Passenger Protection (IPP) included as standard on your policy. If you have tried all the other options outlined above and have been unsuccessful in your claim, please contact IPP. Information on how to do this can be found here

Insurancewith Sapphire Single Trip or Multi Trip

Insurancewith Platinum Single Trip or Multi Trip

I have an Insurancewith policy, but it doesn’t have the End Suppler Failure section.

We are sorry that you cannot make a claim on your policy, however we can try to help you as follows:

If you have been offered alternative travel dates, or travel arrangements, we are happy for you to change the dates of cover at no additional premium unless there is a change in duration or cover requested. Therefore, if you are now looking to travel to a different country, or for a longer duration, you will have to pay an additional premium.

If you have not been able to re-arrange your trip and can no longer travel:

If you purchased a single trip policy, we are happy to provide you with a full refund of your premium, provided you have not made, or intend to make a claim.

If you purchased a multi-trip policy, we may refund your premium, provided you have not already travelled on the policy, do not have any further trips planned, and you have not made, or intend to make a claim on the policy.

Five Most Accessible Destinations in Europe

  1. Rome, Italy

Despite being the city of seven hills, Rome is in fact very flat. This makes getting around extremely easy. The charming city of Rome boasts an abundance of historic attractions, superb architecture and delicious restaurants which visitors can spend hours indulging in.

For around €25 visitors can catch a hop-on hop-off tour bus around the city which will take them to many of Rome’s main attractions, including the Vatican, Colosseum and Sistine Chapel. Jump off at the mythical Trevi Fountain and explore the wonderful Roman monument, covered in carvings of horses, tritons and shells. The Trevi Fountain’s intricate engravings represent Neptune’s (god of the sea) home. Why not join in with the Roman coin tossing tradition? Simply close your eyes, make a wish and toss a coin into the fountain. Did you know that on average €3000 are thrown in by visitors each day?

Take a trip to Rome’s Vatican City. The world’s smallest state is home to the well-known Vatican Palace, St Peter’s Basilica and St Peter’s Square.  Inside the Vatican Palace lies the famous Raphael Rooms, Borgia Apartments and Vatican Library. There are also many museums including the Picture Gallery, Museum of Secular Art and Etruscan Museum, all waiting to be discovered – look out for Michelangelo’s breath-taking paintings scattered in the Sistine Chapel.

During your visit indulge in all the pizza, pasta and supplí (a delicious ball of fried rice, ragú and mozzarella) that you can. The different regions of Italy have their own preferred street food – and Rome’s is pizza by the slice. While the Roman’s tend to enjoy a classic margherita (standard tomato sauce, parsley and focaccia) there’s nothing stopping you from adding a few additional toppings. Why not take an hour or so and dine in an old-fashioned pizzeria? Roman pizzerias offer traditional wood-burned pizzas, smooth craft beers and a buzzing Italian atmosphere. What better way to celebrate being on holiday?

With more than 700 accessible hotels in the city itself, Rome is definitely one to visit.


  1. Barcelona, Spain

Barcelona is one of the most wheelchair-friendly countries in the world. In fact, the city is furnished with ramps from the pavement straight down to the sandy shore, which makes accessing the golden beaches extremely easy. Wooden paths also trail along the sand enabling wheelchair users to go right up to the sea. Beach wheelchairs are also available to hire in some spots.

With highs of up to 28° in the summer months, Barcelona is the perfect destination to soak up some of the sun’s natural vitamin D. However, holidaymakers must remember to protect themselves from the sun’s strong rays by wearing suitable sun cream, avoiding the sun between 12:00pm and 15:00pm and dressing appropriately – we recommend purchasing a sun hat.

Since nearly all buses, metro stations and streets wheelchair friendly, why not take a trip to Barcelona’s famous boulevard – Las Rambalas. Enjoy a variety of shops, restaurants and even a spot of karaoke at one of Las Rambalas’s famous bars. Indulge in traditional tapas, paella and sangria then finish off your evening with a sing and a dance in the popular Sor Rita karaoke bar.

Barcelona’s main attraction, the Sagrada Familia, is the largest unfinished Catholic church in the world. The basilica entices almost 2.8 million visitors a year and has been under construction for nearly 136 years, which makes for a great taste of history. Inside the Sagrada Familia, light pours through the beautifully coloured stained-glass windows, which conflict handsomely with the contrasting stone colours outside – making the basilica all the more endearing. Tickets start from €15, however, we recommend booking in advance to avoid the queues. If you plan to visit in a wheelchair, it’s worth noting that some areas in the Sagrada Familia are very steep.

So, for a fun break in the sun, Barcelona is definitely the place to go.


  1. Berlin, Germany

Berlin is an extremely flat city which makes it the perfect destination for visitors in wheelchairs, or those who struggle to walk on cobbled streets. Whether you visit Berlin for a weekend, week or even a whole month, there will still be so many incredible attractions that you simply won’t have time to explore.

Take a trip to the world-famous Berlin Zoo and spend an afternoon admiring the magnificent elephants, lions and zebras as they roam around in their habitats – if you’re lucky, you might even be in time to watch them feed. Berlin Zoo poses hours of fun for the whole family and has a great gift shop to buy a souvenir and savour the memories made forever. The zoo also has wheelchair hire for those who need a rest but still want to join in with the fun.

Have a day exploring all of Berlin’s historic museums. We recommend visiting Berlin’s Neues Museum. The bombed-out ruin has been rebuilt and is even more endearing than before as it tells its story through the museums surviving walls, wounded paintings and brand-new spaces. It is a representation of the human race’s ability to create, destroy and preserve. Artefacts in the wonderful Neues Museum include Egyptian queen Nefertiti’s bust, Heinrich Schliemann’s Trojan antiquities and a Neanderthal skull.

You could always relax in one of Berlin many beautiful parks. Tiergarten Park, similar to London’s Hyde Park, offers a variety of grassy areas ideal for relaxing in. Naturists will be pleased to know that in secluded areas of the park, naked bathing is permitted. Tiergarten Park is a popular destination for visitors to run, bike and canoe in. With many cafes dotted around the park, why not grab a coffee or take a picnic and spend the day lazing around watching the day go by.



  1. Vienna, Austria

From sky-scraping sights, intimate meals out and unusual ice cream parlours, Vienna is the best place for holidaymakers who fancy something a little different. The city is also one of the most wheelchair friendly destinations in Europe.

Located at the entrance to Prater Park, the Wiener Riesenrad Ferris wheel is a must-see attraction in Vienna. Built in 1897, the Austrian version of the London Eye stands at over 200ft tall and is one of the best ways to see the remarkable views of Vienna. For couples on a romantic getaway, we recommend booking a cabin on the wheel and enjoying an intimate dinner for two – it’s an experience you’ll never. However, those not keen on heights are probably better off sticking to the trams.

Visit Vienna’s open-air market, Naschmarkt, and indulge in an assortment of traditional Viennese cuisines. Go back in time with your taste buds as you enjoy Vanillekipferl (a sweet pastry moulded in a horn shape which pagans used to offer the female gods), Wiener Schnitzel (a traditional dish closely associated with Vienna, but actually from Milan!) and Tafelspitz (a classic Viennese boiled beef dish). Chocolate is also a luxury in Vienna, so remember to take a bag and some cash and stock up on all the fresh Viennesse delicacies you can.

The Imperial Palace is definitely worth a visit for taste of Austrian history. The palace is almost a city-within-a-city as it has rapidly grown throughout the past 700 years. Each Austrian ruler since 1275 has added alternations and as a result, the palace includes a variety of different architectural styles. From Gothic, to Rocco and Classicism, it’s ideal for holiday snap. There’s also free admission for individuals who accompany a visitor in a wheelchair and reduced admission fees for visitors with special needs.

Whether you’re a devoted vegan or curious carnivore, tourists must give Vienna’s first vegan ice-cream parlour a visit. With 18 entirely vegan flavours of ice-cream it is an experience that very few countries offer.

So, what are you waiting for?


Vienna Hofburg Imperial Palace at day, Austria

  1. Ljubljana, Slovenia

Winner of ‘The European Green Capital 2016’, Ljubljana is one of Europe’s best kept secrets. The Slovenian capital is one of the greenest and most wheelchair friendly countries in the world and many people have never even heard of it!

Ljubljana’s commitment to wheelchair accessibility means there are many ramps across the city and nearly all methods of transport are wheelchair friendly. Many of Ljubljana’s roads don’t even have curbs – they just blend into the pavement. This makes exploring the city easier than ever.

Ljubljana bursts with young energy, so why not join and discover all the city has to offer – Slovenian style. Glide through the old town on a Segway or paddle-board down the Ljubljanica river, which flows through the very heart of the city centre. Experience the boutique shops, snug cafes and lively bars that rest along the river’s high banks. Just remember to put on sun cream, as temperatures can reach up to 27° in summer.

Similar to the Slovenian word ‘ljubljena’, meaning beloved, Ljubljana is quite literally the city of love. Stroll along to Butchers Bridge and seal your love with a padlock secured to the famous bridge. Why not include a secret message which only the two of you will understand? Take a trip to Ljubljana’s enchanting hilltop castle. The picturesque castle is a great viewpoint to see the city and spend some precious time alone. Why not go as the sun starts to set for that extra romantic feel. The castle is also wheelchair friendly so everyone can enjoy these moments.

Visit Metelkova Mesto – a bohemian area of Ljubljana full of contemporary street art, live music and vintage clothes shops. Surrounded by bars and clubs, the cool art district comes to life after dark. Visitors can enjoy an evening full of jazz music and street theatre or simply sit back and appreciate their time in the wonderful Ljubljana.

With copious amounts of green space, fresh Slovenian air and welcoming residents, Ljubljana is the perfect place to relax, unwind and take in the charming Slovenian views. So, book your 2019 get away today!



Save up to 98% against other high street brands with our unique and personal approach to your travel protection. So, what’s stopping you? Book your well-deserved 2019 getaway today.

Prices and information correct as at December 2018.



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