A beach holiday is something we all dream of – a time of relaxation and carefree fun – just like the pictures in the holiday brochures.
See yourself there now… relaxing on a sun-kissed, white sand, tropical beach, sipping an icy drink through a straw, while palm fronds sway gently in the breeze… Later, as the sun sets, the hypnotic rhythm of a native steel band summons you along the shore, where the love of your life and more rum punches await…
Screech… Sorry, but a nasty jolt back to reality – and some words of caution. If you plan on activities like snorkeling, windsurfing or sailing think twice before ordering another cold cerveza – or cocktail with a funny name; you know the ones – they look like fruit juice, with a pretty umbrella.
Those on Hen and Stag trips should pay particular attention because the majority of holidaymakers have no idea that travel insurance is unlikely to cover claims when intoxication is found to be a factor! Sorry to spoil the fantasy, but it’s a sobering fact from the real world… Remember that?
Travel insurance covers many aspects of a holiday, but does not provide an excuse to act irresponsibly. All policies have exclusions regarding ‘willful exposure to peril’ but who bothers to read the boring insurance jargon? Basically it means the insured is expected to do everything possible to prevent injury, illness, and damage or loss to property. In other words – to act as if there is no insurance!
Don’t jump at the cheapest quote on that online comparison site. Check the levels of cover – especially medical expenses and hospital benefit. In countries like the USA medical costs can be mind-boggling, so be especially careful if heading for places like Miami or Malibu. Emergency medical repatriation is another essential which may be missing from that cheap policy. It’s worth paying a bit more to make sure the cover is adequate.
Do you understand the meaning of ‘incidental’ basis?
Going snorkeling or on a helicopter sightseeing trip, for example, is normally covered on an ‘incidental’ (casual) basis. The difference is that going on a sailing holiday would be ‘non-incidental’ because the main purpose of the trip is sailing.
Are your planned activities covered?
Activities like wind surfing, deep sea fishing, banana boating and parascending are normally covered on an incidental basis. Kayaking and scuba diving cover may depend on the grade or depth.
Rented water sports equipment may not be well maintained or up to a safe standard, plus the operators may not be licensed or insured – so
personal liability can be an issue. Travel insurance policies do not normally cover personal liability claims arising from use of any vehicle,
watercraft, or mechanically propelled conveyance – which includes jet skis. An example would be renting water-ski equipment and an accident caused breakage of the equipment or, worse, injury to third parties. One more word of caution… Without travel insurance it is the responsibility of the family of an injured or deceased person to pay the medical expenses and arrange repatriation of the injured – or the body. Who would want to put their loved ones through that?
What else can you do to avoid trouble? Find out about potentially unfriendly sea life at your destination. There are hazards like jellyfish, which could deliver a painful or even deadly sting, so learn to spot them before they make contact. Sea critters like stingrays may hide in the sand and attack it you tread on them so invest in a pair of beach shoes to wear in the surf. Take care with food and drink to avoid the Tourist Two Step, Delhi Belly, Montezuma’s Revenge, Casablanca Crud – or worse.
With a bit of thought and preparation nothing should spoil those long, lazy, happy, sun-filled days at the beach. Choose your travel insurance wisely, whether it be single trip, annual multi-trip, or a backpacker policy (cheaper because of reduced cover for luggage). Pack an ounce of common sense along with the beach towels and sunscreen, go easy with the rum punches, and your holiday should turn out exactly like the one in the glossy holiday brochure!
Continue reading about Beach Holiday Travel Insurance – Some Sobering Advice
Florida beach is the best choice for enjoying a vacation. A Florida beach vacation has much to offer and any person who loves the sun, sand, scenic beauty, etc. will have a high time here. There are hundreds of beaches in Florida and all of them are equally beautiful.
It be very enjoyable because one has so much to do here. For golf lovers, Florida offers some of the best golf courses in the world. Other things to enjoy are water sports, beachside attractions, shopping, amazing food etc. The weather here is most of the time gorgeous. Florida beach vacations give complete relaxation from the daily grind. Children never get bored here because of the constant changes they can make in their activities.
In the lap of seven miles of towering palm trees and stunning sand, one feels as if he was in a paradise. The whole scenery of the Florida beach looks inviting and spectacular beyond imagination. The crystal clear water of The Gulf of Mexico is suitable for whatever water sports one wants to play. The soft sands are ideal for romantic sunset strolls.
By taking a vacation rental on the coastal front, one can take the thrill of cruising, surfing, active night life, boating and biking. Florida beach resorts also offer a complete vacation experience. From these luxurious resorts, one can watch the dolphins and pelicans enjoying themselves near the seashore.
Florida beaches offer a variety of environmental surroundings. Honeymoon couples can enjoy the area with activities such as strolling and horse riding on the sandy beaches and cuddling together enjoying the sounds of the sea. Florida beach vacations are a whole lot of fun whichever beach or location you choose. These settings can be made memorable because they offer an ideal climate, warm water and stunning beaches.
The Florida rentals have many options for single and joint families like the location, lodging facilities, extra curricular activities and adventure, water sports, shopping malls and childrens play area. Pensacola is one of the most popular destinations. Pensacola Beach has been entertaining families for years offering relaxation and recreation to vacation-hungry beach lovers. Boasting a rich cultural heritage and pristine sugar-white beaches, people come from all over to experience the calming waters and warm sunshine of a Pensacola Beach vacation.
At Barrons Realty Group, Inc., they can find you the perfect accommodations to compliment your family’s Florida vacation. Their reservationists and property managers place customers in dream vacation homes and long term rentals every day of the year. Their knowledgeable and caring staff will ensure that your vacation or rentals doesn’t hit a snag, and I assure you they will tackle any request, no matter how big or small, with a smile.