Majorca Holiday Travel Insurance
What do I need to include in my Travel Insurance Policy for a Majorca holiday?
A really good travel insurance for Majorca should consist of the following:
- Protection around £5m of healthcare costs.
- Protection for repatriation to your homeland, in the event you need to be returned specially (for instance, in an air ambulance).
- Cancellation and curtailment protection.
- Protection for delayed and missed flights – Occasionally, we all experience times when there are things beyond our control. For example, your car conking out resulting in you not making it to the airport on time for your flight.
- Protection for vacation abandonment, in the improbable occasion in which issues happen on your trip and you need to go home.
- Protection for lost and swiped bags.
- Protection for the loss or theft of your passport. It actually isn’t typically incorporated as standard, however, it is certainly worthwhile including because acquiring a replacement passport when in foreign countries may be complex as well as costly.
- Personal liability protection – in the event anything you do leads to harm to somebody else, causes the loss of their belongings or results in damage to anything of their property.
Policy Exemptions and pitfalls when buying Majorca Travel Insurance
Listed here are the typical exemptions you should be aware of:
- Pre-existing health problems. This implies any condition which was diagnosed, or whose symptoms you disclosed to your GP, prior to travelling. In case this impacts you, then you may need to shell out more for a travel insurance plan or maybe perhaps obtain specialist protection for your trip.
- Out of the blue incidents which impact your holiday, including terrorism, war, civil turmoil and the impacts of some natural disasters or Force Majeure (act of God).
- Alcohol-related incidents, traumas and health issues. Regardless of whether it’s yourself or another person that becomes injured, in the event that an accident takes place because you have had an excessive amount to drink, your travel insurance provider will probably refuse any claim you make.
- Holidays to locations that the Foreign and Commonwealth Office (FCO) has urged British holiday-makers to keep away from.
- Mishaps or injuries which take place as a result of extreme or adventure sporting activities like surfing, rock climbing and scuba diving – All well-known in several areas of Majorca. In the case that you’re thinking on participating in these sorts of activities whilst on holiday in Majorca, see to it you are appropriately protected with your travel insurance.
- You should always look at the excess on your holiday insurance plan, too. It might actually appear alluring to select a more costly excess in exchange for a reduced premium now, you might perhaps regret it later on. Your excess should be within your budget, since this is the amount you will have to have to shell out if you need to make an insurance claim.
Make sure you commence your trip insurance coverage from the day you book your vacation – not actually the date you are due to fly. Or else, need to you need to get to call off your holiday due to unforeseen factors, you will not be protected.
Will my EHIC Card protect me in Majorca and do I still need Travel Insurance?
The Balearic Islands, to which Majorca is part of, belong to Spain – thus your European Health Insurance Card (EHIC) will protect you when you’re on holiday there.
The EHIC system is made to offer travellers to member European states access to the same state-subsidised medical care that people of those nations would get. This denotes that no matter what free medical care a native of Majorca would expect to have in the event that they became sick, you will get the same too.
Most prominently, however, this will never mean that all health treatment one may need in Majorca will be free. A small number of places possess healthcare programs that give the exact same amount of ‘free at the point of use’ treatment as the NHS.
It is for that reason relatively usual for holiday makers who acquire healthcare treatment within the EHIC system to need to make monetary contributions to the cost of their treatment. You’ll have to shell out for this yourself in the event that you didn’t take out holiday travel insurance for your trip to Majorca.
The EHIC is a useful safety net, yet it is not a substitute for travel insurance. Always ensure you and your relatives have an EHIC when travelling within Europe and please make sure to get Travel insurance too. Travel insurance doesn’t cost a lot of money and it can save you a fortune if something goes wrong when you are on holidays. It is far better to be safe than sorry! To get your EHIC, click here.
Top tips when travelling to Majorca
1. Visit La Seu
The Basilica of Santa Maria of Palma, additionally referred to as La Seu, took in excess of 300 years to construct and is actually amongst the most renowned structures in the Balearics. Among the tallest medieval basilicas in Europe, its’ principal nave is actually over 10 metres above that of Notre Dame in France. If you are able to, visit and experience it lit up in the dark, it is truly a spectacle to behold.
2. Check out the Serra de Tramuntana
This is arguably one of the most exquisite landscapes in the world which looks sensational from the road. Cruise from Valldemossa to Sa Calobra and enjoy a vehicle voyage you’ll always remember.
3. Purchase mineral water
When the drinking water in Majorca is actually harmless to use, it can taste terrible to consume as a result of the high mineral content. Be prepared to purchase bottled water during your holiday although tap water is actually alright for brushing your teeth.
4. Try bartering with Majorcan market traders
Majorcan markets are highly worthy of checking out and, even though the idea of haggling for a better bargain leaves you feeling sick, they are the best places to attempt bartering. Sellers will definitely be very well used to the haggling approach, so never be skittish!
5. Say Gracias!
Though a number of the folks you meet in Majorca will likely possess decent English, saying as much Spanish as you may be a fantastic tip while you’re there. Saying hello, please, thanks and farewell in Spanish will definitely gain you an appreciable amount of kudos with the natives.