Activity Packs

If you wish to partake in any activities whilst on your trip abroad, you need to ensure you are covered. 

Below are the activities that we cover as standard on all of our policies:

Please note that all of the activities are covered on a non-professional and non-competitive basis unless otherwise stated. All Activities marked with an asterisk (*) indicate those which do not have Personal Liability cover and those marked with a (‡) indicate those which do not have Personal Accident cover.

Please note that all of the activities where inshore or inshore only has been mentioned, can be classified as within 12 nautical miles of the coastline.

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From the 17th January 2022 there will be no cover provided for the below sports and activities:

• Battle Re-enactment
• Canoeing/Kayaking/Rafting/White Water rafting grade 6
• Canyoning
• Cave Diving
• Cliff or Base Diving/Jumping
• Electronic Scooters
• Flying (as a pilot)
• Gliding/Hang Gliding
• Hot Air Ballooning (as a Pilot)
• Hunting, any use of firearm
• Jet Skiing
• Jousting
• Marathon Running
• Martial Arts
• Micro Lighting
• Motor Sports/Racing of any kind Land/Sea
• Mountain/BMX biking/Cycle Touring
• Polo
• Rock Climbing
• Sailing/Boating/yachting of any kind outside of 12 nautical miles from the coastline or outside of European Waters
• Scuba Diving deeper than 30 metres
• Segway
• Terrain Parks (Winter Sports)
• Tightrope/High rope walking/Slacklining
• Quad Biking/ATV’s
• Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling above 4,000 metres
• Walking/Fell Walking/Running/Trekking/Hiking/ Orienteering/Rambling that requires specialised equipment/ropes/guides/crampons

FACT visit

On 13^th May I visited Joanne Smith in Newcastle. Joanne is the founder and CEO of one of the charities that Insurancewith supports, FACT (Fighting All Cancers Together). The visit was for a talk and advice session for FACT service users on travel insurance for people diagnosed with cancer. Read more

Travelling with Cancer

Travelling during holiday season can be draining at the best of times, but with a long-term condition like cancer, there’s a lot more to worry about and people can become overwhelmed. However, what many would look forward to as a time of joy, may become a disaster should something unexpected happen whilst out of the safety net of their local cancer services.

It is recommended that you discuss any travel plans with your doctor before you book a holiday abroad, as they will know the ins-and-outs of your individual situation and can advise you on any vaccinations you might be unable to receive, whether or not you will be considered fit to fly and any help needed in regards to treatment options.

Below are some tips and pieces of advice for those wishing to travel after experiencing cancer:

Plan ahead

• • Think about things such as the duration and pace of your journey, whether you’ll need transport to or from the airport, specialist travel insurance, any vaccinations you’ll need, travelling with any medications and air travel. Planning ahead allows you to travel worry and stress-free so you can make the most of your trip.

Consult your GP

• • Check that you are fit to travel and discuss any holiday plans with your GP before you book your trip. They will know more about your specific situation than anyone else and can advise on things such as vaccinations, medications, destinations and travelling by plane.

Research healthcare in your destination country

• • Check your destination’s standards and provisions of healthcare with the relevant consulate or Embassy before you leave, as they are often quite different to what we’re used to in the UK.
  • If you’re travelling within Europe, from 1st January 2021 rules around travel to Europe have changed, visit the Government website for up to date information on passports, EHIC, healthcare and more. We’ll update this page with more information as and when the Government release it. You can also check whether your destination has a reciprocal health agreement (RHCA) with the UK, as these entitle you to free or subsidised emergency medical attention and medicines should you need it. However, this is not a replacement for travel insurance, which will cover a lot of costs that the RHCA won’t.

Sort out any necessary equipment, like oxygen and medications

• • Travelling abroad with equipment like oxygen can be risky because it’s a fire hazard, but check with your GP or supplier and see what can be done for when you’re away.
  • Travelling with liquids, gels or creams in your luggage nowadays can be difficult. Under current security restrictions, you cannot carry containers with liquids, gels or creams that exceed 100ml in your hand luggage.
  • You can carry essential medicines of more than 100ml on-board, so long as you have prior approval from the airline and a letter from your GP listing your condition and your medicines, as well as a prescription.
  • Be prepared to take your entire holidays worth of medication with you, as some countries have restrictions on the amounts of drugs they can give out, especially with opiates like morphine or strong painkillers which you often need a licence for. If you need a licence, apply ten days before you plan on leaving.

Protect yourself in the sun

• Chemo and radiotherapy can either temporarily or permanently alter your skin by making it ultra-sensitive to the UV rays which lead to skin damage. Protect yourself in the sun by covering up, seeking shade or wearing high-factor sunscreen.

Medical Care Abroad

Going abroad usually means you are leaving the safe umbrella of the NHS, and medical costs overseas can often be more expensive than we realise. Whilst travel insurance can help us with these high costs after we’ve had an accident or become ill, it also covers costs that the free or subsidised medical treatment you’re entitled to, might not.

EHIC – Europe

If you’re planning on travelling somewhere within the European Economic Area (EEA), including Switzerland, from 1st January 2021 rules around travel to Europe have changed, visit the Government website for up to date information on passports, EHIC, healthcare and more. We’ll update this page with more information as and when the Government release it.

Reciprocal Health Care Agreement – RHCA in New Zealand

If you are travelling as a visitor in New Zealand, and seek medical attention, you will be enrolled in this system, any medical treatment you receive will be subsidised by the New Zealand Government’s Reciprocal Health Care Agreement (RHCA).

The New Zealand Government has Reciprocal Health Care Agreements with Australia, the UK, the Republic of Ireland, Sweden, the Netherlands, Finland, Italy, Belgium, Malta, Slovenia and Norway. Meaning Australian residents can get help with the cost of medical treatment whilst visiting these countries, and residents of these countries can get some essential medical treatments whilst visiting Australia.

If you’re travelling within New Zealand and have to seek medical attention, find a public state hospital and make sure you have proof of UK residence with you, which can be any one of the following:

• UK passport including the Channel Islands
• National Health Service Medical Card
• Certificate issued by the Social Security Committee of Jersey
• Proof of insurance issued by the Guernsey States Insurance Authority OR other proof of residence in the Baliwick of Guernsey

Reciprocal Health Care Agreement – RHCA/Medicare in Australia

Medicare is a publicly funded health care system available to citizens and ordinarily resident individuals throughout Australia. If you are travelling as a visitor in Australia, and seek medical attention, you will be enrolled in this system and any medical treatment you receive will be subsidised by the Australian Government’s Reciprocal Health Care Agreement (RHCA).

The Australian Government has Reciprocal Health Care Agreements with New Zealand, the UK, the Republic of Ireland, Sweden, the Netherlands, Finland, Italy, Belgium, Malta, Slovenia and Norway. Meaning Australian residents can get help with the cost of medical treatment whilst visiting these countries, and residents of these countries can get some essential medical treatments whilst visiting Australia.

If you’re travelling within Australia and have to seek medical attention, find a public state hospital and make sure you have proof of UK residence with you, which can be any one of the following:

• UK passport including the Channel Islands
• National Health Service Medical Card
• Certificate issued by the Social Security Committee of Jersey
• Proof of insurance issued by the Guernsey States Insurance Authority OR other proof of residence in the Baliwick of Guernsey

Winter Travel Packing Tips

Clothing

• Layer up: Bring plenty of layers to wear throughout the day to insulate and keep warm. Something like a vest top or t-shirt under a long sleeved t-shirt underneath a jumper or fleece (bear in mind wool tends to be bulky and therefore harder to pack), fitted under an insulated waterproof jacket. You can always add or remove layers of clothing as you go between in and outdoors.
• Hat: You lose the majority of your body heat through your head, so covering it up can really help keep you warm. Make sure your hat covers your ears and is made of thin, modern materials which pack lightly, but also provide maximum warmth.
• Gloves: You no longer have to pack the heaviest, woolliest gloves you can find in order to keep yourself warm. Modern insulating materials mean that you can pack light and still remain cosy. Waterproof ones are the best as they hold up in even the worst weather and the thin, tight material makes them easy to carry.
• Shoes: Your shoes will be your heaviest item, unless you’re bringing your own equipment, but they’re really important as your feet are buried in the snow the majority of the time and so cope with the majority of the wet and the cold. Good, dark, weatherproof winter boots are ideal for the climate and should last you season after season.
• Polarised sunglasses: The low winter sun can be really rough on your eyes, as it’s lower and closer to your point of vision and with the reflective snowy surroundings, being able to see can become a problem when out on the slopes or even just driving.
• Swimwear: Some resorts may have pools, hot tubs or saunas to relax in after a long day on the slopes.
• Sunscreen: Despite it not being warm, windburn or sunburn off the reflective snow and ice can damage your skin to the same extent laying out by the pool can.

Before You Go

• Check the travel alerts from the FCDO of the country you intend on visiting. Follow @FCDOtravelGovUK on Twitter to get the latest travel updates and advice.
• Find out where the nearest embassy will be.
• Sort out travel insurance – insurancewith provide cover for customers with pre-existing medical conditions, allowing you to go on holiday without having to pay excessive premiums.
• If you’re travelling within the European Economic Area, from 1st January 2021 rules around travel to Europe have changed, visit the Government website for up to date information on passports, EHIC, healthcare and more. We’ll update this page with more information as and when the Government release it.
• Check with your doctor whether you’ll need any vaccinations before you travel.
• Make sure you’ve got the correct visas for the country you intend to visit.
• Most importantly, check your passport is valid at the time you intend to travel – it takes up to six weeks to apply for or renew a passport, so checking well in advance might save time later on.
• Tell friends and family where you’re travelling to and leave them your contact details, travel insurance policy details and your itinerary as this will make it easy for them in case of an emergency.
• Make sure you have enough money to cover emergencies.
• If you intend on driving abroad, make sure your licence is current and valid. Make sure you’re aware of the driving laws in the country you intend on visiting.
• Sort out your hand luggage.
• Check with your airline for flight delays.
• Keep all tickets, visas, foreign exchange and passports safely in a travel belt or bag and keep these with you at all times.
• Check your house is safe before you leave – check all switches are off, water is turned off to prevent pipes from freezing and securely lock all windows and doors.