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How Travel Insurance Can Rescue a Ski Trip
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Table of Contents
Trip delay or cancellation coverage
Accidental injury, travel inconvenience, lost or damaged equipment, should i insure my ski trip.
Snow in the forecast can send winter sports enthusiasts flocking to the mountains for some fresh powder. But unpredictable weather doesn't always make for the easiest travel. Inherently, ski trips might be one of the riskiest to book since you can spend big bucks on ski lift tickets, lodging, airfare and equipment rentals, only to lose the money if the weather doesn't cooperate or an injury occurs.
These kinds of travel woes could affect more travelers as skiing and snowboarding grow in popularity. According to the National Ski Areas Association, there were more than 60 million visits to U.S. ski slopes during the 2021-2022 season, the highest since the organization started keeping track in 1978.
To reduce the risk of losing money on an interrupted or canceled ski trip due to adverse weather, travel insurance can be an option to consider. Some of the more common travel insurance benefits, such as trip delay or cancellation coverage, can come in handy for vacations in winter destinations. Plus, some travelers might already have those benefits through a travel credit card .
» Learn more: The best travel credit cards right now
Standalone travel insurance plans, which can offer more specific coverage tailored to ski trips, are also available. With these policies, travelers can get reimbursed for more particular expenses related to winter sports travel.
Here are the types of coverage travelers can expect to find when shopping for travel insurance for a ski trip.
Trip delay and cancellation coverage is a standard part of most travel insurance plans and can benefit those heading toward winter weather. For example, if flights are delayed because of a snowstorm, this type of coverage can help travelers get money back for days they might've missed at the resort. This usually includes reimbursements for nonrefundable travel expenses such as prepaid lift tickets, equipment rentals and other similar expenses.
Trip delay and cancellation insurance could also pay for extra meals and lodging that travelers may have incurred as a result of a delay.
One important caveat is that this coverage usually kicks in for covered reasons only. An airline delaying a flight would be covered, but a traveler looking at the weather report and wanting to bail on the trip for fear of getting stuck wouldn't be.
Skiers and snowboarders who want complete flexibility to cancel as they please should consider Cancel For Any Reason insurance. This coverage is a special add-on that costs more, but travelers typically receive 50% to 75% of their travel costs back if they cancel for any reason.
» Learn more: 10 best ski hotels to book with points
Injury is another big risk for ski trips. Injured skiers and snowboarders would most likely have to cut their trip short. That's when ski travel insurance with trip interruption coverage would help pay for the costs associated with returning home early.
Note that this coverage differs from travel medical insurance and medical evacuation insurance . Injured travelers will typically have to use some combination of their regular health insurance and travel medical insurance from their winter sports insurance policy (regardless if it's provided through a credit card or bought separately).
"Depending on where you're skiing, your home health insurance might cover you for an accident. But it also might not if you're outside of your home health network, and certainly not if you're traveling internationally," says Stan Sandberg, co-founder of TravelInsurance.com.
Advanced skiers and snowboarders will likely need even more coverage. If adventuring into the backcountry, outside of resort bounds or heli-skiing, consider getting additional insurance coverage for adventure sports.
» Learn more: How to save on a ski trip
This is a vague name for coverage, but it's a good add-on to a travel insurance policy for winter sports trips. "Travel inconvenience," sometimes called "Lost Skier Days," will reimburse travelers if the resort closes because of too much or too little snow.
This type of coverage is typically available from Dec. 1 to March 31 for resorts in the Northern Hemisphere and can reimburse up to $125 in lost expenses per day.
Many travelers are familiar with baggage loss or delay coverage , but some might not know that expensive ski or snowboarding gear might not be covered entirely. After all, typical travel insurance policies insure up to a certain dollar amount only. So if the airline loses your expensive skis, you might not be reimbursed for the full value.
Getting ski travel insurance with coverage for items like skis and snowboards can help. With this coverage, if your gear is delayed, the ski insurance provider will reimburse you, up to a limit, for equipment rentals.
If you're worried about losing the nonrefundable costs of your winter sports-focused vacation, ski travel insurance can provide some peace of mind. Look for coverage that reimburses you in case of winter weather delays or accidental injuries. In addition, travel inconvenience or sports equipment coverage are add-ons that can help you recoup the costs associated with lift tickets and equipment rentals.
Skiing and snowboarding are always an adventure, but delays and accidents don't have to be so costly.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Autograph℠ Card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
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on Chase's website
1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
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1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
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1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.
50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
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800-874-2442
"Generali wins out among the best travel insurance companies for its happy combination of below average fees for above average travel coverage."
“I go to France for skiing every year for a month and always feel super safe carrying Generali. I use them for every trip just because that one time, when it happened, they were there for me 100%.”
“We were thrilled when we found out everything was being covered.”
“My husband and I were really surprised by how very smoothly and quickly we received our check.”
Get Travel Insurance for Your Ski Trip
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Copyright© 1997 - 2023 CSA Travel Protection DBA Generali Global Assistance & Insurance Services, Company Code: 805-93, Approval Code: A8511912
Travel insurance coverages are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231, for the operating name used in certain states, and other important information about the Travel Insurance & Assistance Services Plan, please see Important Disclosures .
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Frequently Asked Questions
What types of winter sports can travel insurance cover.
Our travel insurance plans can cover skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more.
The Premium and Preferred plans include Sporting Equipment and Sporting Equipment Delay coverages that can cover winter sports equipment you might bring on a trip, except motorized equipment, dental wear and eyewear.
If your sporting equipment is damaged, lost or stolen during your trip, Sporting Equipment coverage can reimburse the costs to repair or replace your sporting equipment. The Premium plan covers up to $2,000 and the Preferred plan covers up to $1,500.
Sporting Equipment Delay can reimburse you for the cost of locating your delayed Sporting Equipment and having it returned to you, and the cost of renting equipment in the meantime, up to the coverage limit.
The fine print says: "We will not pay for damage to or loss of boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances." See Plan Documents for more details.
How can travel insurance help in case of weather delays on my trip?
Bad weather is always a risk when traveling during the winter. If a winter storm hits, flight cancellations and delays are bound to happen and you may take on some unplanned costs. If this happens, the Trip Interruption coverage included with travel insurance can cover for additional expenses to help get you to your destination and onto the slopes or back home, in addition to reimbursing you for lost trip costs. Travel Delay coverage is also included for certain out-of-pocket costs, such as meals, local transportation or even additional lodging or parking charges.
If a weather event, like a blizzard is foreseeable prior to you purchasing the insurance plan, then travel insurance may not cover it. If the plan is purchased after a storm is named, coverage is not provided for losses resulting from that named storm.
Read more about how travel insurance can help when you travel during the winter
What Can Wreck a Ski Trip and How Travel Insurance Can Help
Problems happen with travel plans more often than you might think. One in six U.S. adults reported having to cancel, interrupt or delay their trip.¹ Travel insurance can help protect your vacation investment from certain unforeseen events that could upset your travel plans and cost you.
Find the Plan That Fits Your Trip Best
There’s no better way to understand how travel insurance and assistance can help protect you and your trip than reading real life examples from fellow travelers.
How can travel insurance help me if I get sick or injured?
If you become critically sick or injured during your trip and no suitable local care is available, all of our plans provide coverage for emergency medical evacuation and coverage to reimburse your medical and dental costs. In addition, Trip Interruption coverage can reimburse you for lost trip costs while you're in hospital, including prepaid lift tickets.
This can be extremely helpful if, for example, you have a ski accident on the slopes — it could even require medical transportation by helicopter, which could cost a lot.
Our plans also include 24-hour emergency assistance services that can provide immediate assistance if a traveler becomes seriously ill or injured on their trip.
Could I be covered if I cancel my trip because of work obligations or job loss?
If you lose your job and cancel your trip as a result, you could be reimbursed for your prepaid, nonrefundable, trip costs. Some requirements must be met.
Our plans don't include Trip Cancellation coverage for work obligations that cause you to cancel your trip, except in the case of unexpected active military duty due to a natural disaster or military leave being revoked. If you want travel insurance that can cover for this reason, consider purchasing our Premium plan and adding Trip Cancellation for Any Reason coverage . This coverage reimburses you up to 60% of the penalty amount when you cancel your trip for any reason ( requirements apply ).
- U.S. Consumer Product Safety Commission
- SITA Baggage Report 2018
*Terms and conditions apply. See plan details for more details .
If you're brave enough to take on a black diamond, or maybe vacationing with kids just starting out on the bunny slope, chances are you could use ski insurance. Travel insurance for your ski trip can cover injuries on the slopes and during your vacation and is designed to help with winter travel mishaps like flight delays, cancellations, illness and more.*
What winter sports are covered?
Our travel insurance plans can cover winter sports on your trip, such as skiing, snowboarding, snow tubing/rafting, cross country skiing on marked trails, snow shoeing, sledding, ice skating and more.
You can also choose a plan designed to cover your sporting equipment if it gets damaged, lost, stolen or delayed. Just be sure that the purpose of your trip is not to participate in any organized amateur sports, professional athletic competitions or sporting events, as those are not covered by our plans.*
Find the perfect policy: Compare ski and snowboard travel insurance policies for off piste, backcountry, heli-skiing and more.
Compare travel insurance policies to make sure you've got the right coverage on your next overseas ski or snowboard trip.
Select the activities you'd like to be covered for
Select one or more of the filters below to find the right policy for you. All filters are for both skiing and snowboarding.
- Why you need travel insurance
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7 of the best ski holiday insurance providers to cover you on the slopes
From annual insurance to one-trip coverage, these policies offer protection when on the snow, article bookmarked.
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After analysing the snowfall, quality of mountain runs and apres-ski vibes to choose your ideal spot to strap on your skis this winter, it's time to consider which winter sports travel insurance is best suited to keep you safe as you reach new altitudes.
Whether resorts without snow , slips causing broken bones, and unpredictable avalanches, plenty can go wrong on the pistes and it's always best to travel prepared.
In the event a ski pole slips through a cable car into the abyss – an not unlikely affair with small children – pistes are closed or lift passes are misplaced, having the right insurance to hire replacement equipment and receive financial compensation to tackle cancellations and medical costs is the key to smooth skiing.
Here are the best providers with which to purchase your winter sports travel insurance policies, allowing you to protect yourself before this season's ski holiday .
Read more on ski holidays :
- 8 of the best ski hotels across Europe
- 6 best ski holidays for beginners: Resorts and all-in packages to reach the pistes
- 8 of the best apres-ski holiday destinations
![single ski trip insurance Lack of snow, broken bones and avalanches can wreak havoc on a skiing holiday](https://static.independent.co.uk/2023/10/02/10/iStock-1650543648.jpg)
Do I need insurance for a ski holiday?
Yes – many standard travel insurance policies will not allow you to claim for accidents while taking part in winter sports if you have not taken out specific cover for medical expenses, equipment and piste closures before your ski holiday.
Will I be insured if I ski off-piste?
Several winter sports insurance providers cover off-piste skiing provided you are with a qualified guide and remain on recognised runs – check with your provider to see if off-piste skiing is inclueded in your policy.
Should I get an annual or one-trip policy?
Annual policies tend to provide 21-31 days of winter sports cover, which might work best for avid skiers hitting the slopes every season, whereas a one-trip winter sports extension policy could be better suited to cover a one-off week on the pistes.
Will I be insured if I ski while drunk?
No. You risk your insurance cover being invalid if you injure yourself, your equipment or others while skiing intoxicated with impaired judgement and reaction times or you are not wearing a helmet.
![single ski trip insurance Apres-ski often means cutting loose while still in your ski boots](https://static.independent.co.uk/2023/10/02/10/iStock-459002749.jpg)
Ski equipment cover: £500
Piste closures: £500
Medical expenses: £5 million
Lost lift pass: £500
NFU Mutual offers winter sports cover for you and your equipment for up to 30 days as an add-on to their standard travel insurance policies. Activities covered include piste skiing, sledging, monoskiing and snowshoeing. Reasonable extra accommodation and transport expenses in the event of avalanche delays are also insured under the policy.
Admiral Gold
Ski equipment cover: £750
Piste closures: £250
Medical expenses: £15 million
Lost lift pass: £250 per week
Admiral Gold features winter sports insurance from just £25 as part of its upgrade package. Cancellation cover and piste closures are included for a maximum of 21 days of winter sports in the annual gold cover and the policy will pay out £200 in the event of an avalanche. Off-piste skiing is also included provided you “go with a qualified guide or instructor and remain on recognised paths”.
Ski equipment cover: £500
Piste closures: £300
Medical expenses: £10 million
Lost lift pass: £250
Barclays offers winter sports cover (excluding freestyle skiing or snowboarding) for 31 days a year, and skiing equipment and piste closures are part of its standard travel insurance policies. The insurance covers emergency rescue services and you can claim back up to £200 for delays should there be an avalanche.
Virgin Money
Piste closures: £400
Virgin Money provides single and multi-trip winter sports insurance for theft or damage to ski equipment, emergency medical treatment caused by skiing slip-ups, and piste closures. Policyholders can also claim up to £400 if their arrival at a ski resort is delayed by an avalanche.
Nationwide FlexPlus
Piste closures: £5,000
Nationwide’s FlexPlus travel insurance features cover for accidents needing medical help on the slopes, lost or stolen ski equipment, and piste or avalanche closures that cause delays or a cancellation of your snow-capped holiday. All FlexPlus current account holders are automatically covered with the travel insurance.
Staysure Signature
Piste closures: £200
Medical expenses: Unlimited
With Staysure Signature , 28 days of winter sports cover are included in “signature” policies, but you can add winter sports travel insurance to other policies for 11 sports (such as skiing, snowshoeing and ice-skating), unused ski-school fees and up to £160 back if you encounter avalanche delays.
Covered 2Go
Ski equipment cover: £1,000
Covered 2Go offers a winter sports travel insurance extension to gold and platinum coverage, including personal liability in case you injure someone else, and there’s up to £500 compensation available in the event of avalanche delays. The winter sports policy also covers guided skiing off-piste, ice-skating and tobogganing – but you must be wearing a helmet and skiing sober for your policy to be valid.
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- Winter Sports Travel Insurance
Ski and winter sports travel insurance
Whether you’re a regular skier or a complete beginner, accidents can happen on the piste.
Make sure you’re covered by adding mandatory winter sport protection to your travel insurance package. For an extra premium, you’ll be insured for injury, and lost, stolen or damaged equipment. It may even cover you for personal liability or personal accident. Terms and conditions apply.
![single ski trip insurance A person wearing red ski gear and holding ski poles skiing on a slope in the mountains](https://www.postoffice.co.uk/dam6/jcr:6f7450a9-c65f-4a3f-81c4-007239997170/travel-insurance-ski-header-16-9.jpg)
Protection for skiing and snowboarding, on and off piste
Our winter sports cover gives you extra protection. We'll cover you for a variety of things, including:
- Off-piste skiing and snowboarding (within resort boundaries and in recognised areas)
- Lost, damaged or stolen ski equipment
- Piste closures
So before you hit the slopes, be sure to have all your cover in place. And then you can enjoy the thrill of the downhill.
What’s covered?
Add the winter sports cover option to any Post Office Travel Insurance policy for this extra protection. The cover will cost you an additional premium.
Skiing, snowboarding, airboarding and more
It’s not just skiing and snowboarding. Whether it’s ski-blading, airboarding, skidooing, tobogganing or even snowmobiling, there are plenty of winter sports we can cover you for (1), off piste as well as on (2)
Emergency medical support and evacuation
Your policy includes access to an emergency medical helpline 24 hours a day, 7 days a week. You're also covered for repatriation to your home country
Lost, damaged or stolen equipment
Whether you’ve your own equipment or you’ve hired some, we can cover loss, theft or damage. Terms and conditions apply. Check out our policy wording for details
Piste closure
It can be fun to go up the mountain when the weather’s heavy, but when there’s no snow at all, there’s no point. If the piste is closed because there’s no snow, you could make a claim
![single ski trip insurance Woman wearing swimsuit, swim cap and water shoes running in shallow sea water with shingle beach](https://www.postoffice.co.uk/dam6/jcr:e5a489aa-7a84-45ef-9c54-fb00f1258299/travel-insurance-pointofinterest-medical-conditions-considered-16-9.jpg)
All medical conditions considered
Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.
At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.
If we can't help and yours is a serious pre-existing medical condition, check the Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .
Choose a travel insurance cover level
The table shows the maximum cover limits available with ski and winter sports cover for each of our cover levels. You can add ski and winter sports cover for an additional premium.
Policy wording
Ready to get a quote?
Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance
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Best travel insurance provider.
Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023
Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023
Defaqto 5-star rated cover
Our travel insurance policies with premier level cover are Defaqto 5-star rated
Common questions
What is winter sports travel insurance.
Taking part in winter sports can carry much higher risks than those you'll face on other types of holiday. It’s important to make sure that, as well as taking part in winter sports safely and responsibly, you have cover in case something goes wrong. This cover also provides protection for things that can happen to your equipment, such as loss, theft or damage.
Why add winter sports cover?
Whether you have your own equipment or you’re hiring it, replacements can be expensive if they have to come out of your pocket. If you're going on a trip involving winter sports, then adding this cover is mandatory. It's not just your equipment that needs to be covered but you as well. We can help you if you’re taken ill while on the mountain or get injured, and if the weather decides to dry up and there’s no snow on the piste, we can help restore the balance.
Isn’t my Ghic or Ehic card enough protection?
UK citizens travelling in EU countries can access some state-provided healthcare there for free or at a reduced cost. You'll need a UK Global Health Insurance Card (Ghic) or, if it’s still in date, a European Health Insurance Card (Ehic).
Remember, neither card covers any additional cost to return you to the UK or for a relative to stay or fly out to be with you. In a medical emergency you may have no control over the hospital you are taken to or the closest hospital may be private. But medical travel insurance may be able to cover some of the cost for you.
Also, Ehic no longer provides access to healthcare services in Iceland, Liechtenstein, Norway or Switzerland for UK nationals in most cases.
- Read more travel insurance FAQs
Need some help?
Travel insurance help and support.
For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:
Visit our travel insurance support page
Travel insurance policy types
Single-trip cover.
Single-trip Travel Insurance
- Cover for a one-off trip in the UK or abroad
- Perfect for one-off trips or longer holidays of up to 365 days (3)
- No age limit
Annual multi-trip cover
- Cover for multiple-trips for a 12-month period
- 31-day trip limit, with extensions available up to 45 and 60 days
- Available for everyone aged up to 75 years
Backpacker cover
- Cover for a one-off trip up to 18 months
- Option to return home for up to 7 days on 3 occasions.
- For people aged 18 – 60 wanting to travel the world for a gap year or career break
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Find out about the safety of travelling to Italy as well as the medical care ...
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Some vaccinations for Thailand are recommended and some are mandatory in ...
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Having your son or daughter go on holiday without you for the first time can be ...
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With the winter sports season upon us, we conducted a Winter Sports Survey for ...
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There’s no better feeling than planning an amazing trip to an exotic ...
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If you're the type of sunchaser who looks forward to that sizzling summer ...
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With festivals overseas becoming the new norm, festivalgoers need to do a bit ...
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Planning on living the high life with a trip to the UAE’s iconic mega-city, ...
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Canada is a vast country of diverse delights – everything from bustling cities ...
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The famous cliché of America is that it's big. And it is. Across its six time ...
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Whether you’re heading to the beach for a much-needed break or boarding a boat ...
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Learn the difference between embassies and consulates, and why you might need ...
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The last thing you want to happen on holiday is standing the luggage carousel ...
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Learn about the different types of travel insurance available from Post Office, ...
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It’s your holiday too, and good preparation can take some of the worry out of ...
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It’s one of the most popular holiday hotspots for UK holidaymakers. But what ...
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ATOL stands for Air Travel Organisers' Licensing, a scheme that helps make sure ...
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Today, Cuba is more accessible than it has been for many decades, and those who ...
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It's a proud feeling when children turn eighteen and start holidaying on their ...
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If you’re jetting off to Japan soon make sure you have good travel insurance to ...
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As you get older, being able to go where you want when you want is all part of ...
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Every year, millions of holidaymakers from the UK head to Spain for its ...
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Fancy trekking in a remote Asian rainforest? A wild time in New York? Flying ...
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Over 60 million people travel from the UK most years for holidays or business. ...
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If you're travelling to an EU country from the UK, make sure you take a Global ...
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Find out about medical care available to Brits in Mexico, as well as travel ...
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It may be a short hop away, but a trip to France is not without its travel ...
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Do you need travel insurance for your trip? Is travel insurance worth it? And, ...
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Finding out that your airline or holiday company has gone bust is a shock – ...
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Going backpacking is one of life’s great adventures. But before you set off ...
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If you're living with cancer but love to travel, can you get travel insurance ...
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So, you’ve booked your flights, accommodation and activities. What next?
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In an average year, millions of Britons go abroad without the right travel ...
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Greece and the Greek islands have long been a popular travel destination for us ...
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You should be able to get the right cover to travel abroad if you’re diabetic, ...
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We all know the feeling – getting to the airport, then a wave of panic comes ...
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Perched on the northern tip of Africa, Morocco’s long been a popular ...
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Whether you’re travelling solo because of business, you’re hoping to meet ...
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How safe is South Africa to visit and why is having travel insurance important ...
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Travelling solo means freedom and independence, making new connections and ...
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Travel’s a great way to unwind, see the world, open the mind and expand ...
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Satisfy your travel craving while making your holiday budget go further. We’ve ...
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If you're travelling abroad as a family, it makes sense to take out insurance ...
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People flock to the Canary Islands from all over Europe. No wonder, with such ...
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Lots of people who need assisted travel at airports are missing out simply ...
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Travel insurance for a holiday in the UK isn't something you must have, but it ...
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Exploring the globe can be scary, but there’s so much to find at the edge of ...
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Make sure you’re travelling safely in Egypt with the latest advice and risks, ...
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Most of the time, getting a flight is a hassle-free event. If you only take ...
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The arrival of Airbnb has helped to transform the travel industry in recent ...
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Travelling with high blood pressure is fine – but it’s important to make sure ...
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There are several ways to get to the top of the class on your flight – whether ...
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Taking your best friend on holiday with you is everyone's ideal situation, but ...
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Find out what medical care Brits can access in New Zealand and travel risks to ...
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Heading down under for a trip to or around Australia? Make sure you’ve got the ...
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Booking a last-minute holiday can get the blood pumping with the sudden thrill ...
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For many UK holidaymakers, India is an intriguing and diverse culture with ...
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Dark mornings, cold hands, heating bills and chapped lips are among the most ...
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There’s nothing worse than falling ill while away from home. Along with the ...
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Adventurous holidays can take many forms, from action-packed itineraries in ...
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About our travel insurance
Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.
These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).
(1) Limitations may apply.
(2) Within recognised resorts and boundaries.
(3) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:
365 days for those aged up to and including 70 years
90 days for those aged between 71 and 75
31 days for those aged 76 years and above
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0330 880 5099
5p/min plus network extras
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Why choose Skicover for winter sports insurance
Get the right winter sports cover for you, quick links to our most common sections.
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June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .
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- Summer – Aspen/Snowmass Adventure Sports Trip
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Shared room $3,100, private room $3,700, pre-nights $ 350.
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Trip itinerary >, hotel information >, trip resources >.
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Hi I’m Chuck the “Ski Guy” your trip host!
Feel free to call me with any questions at
215-397-7767 Or email me at [email protected]
If you haven’t joined us before this is what to expect on one of our trips.
We usually draw anywhere from 30 to 50 guests on any given trip. Ages run from 40 to 65+ ( average age at 52+-) with a 50/50 split male to female give or take a few. Abilities are from first time skier to advanced with everything in between so finding new friends to ski with is never a problem.
Visit our testimonial page for past guest comments!!
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If you haven’t been to Whistler / Blackcomb it should certainly be on your bucket list, and if you have then you know why guests keep returning!
Whistler / Blackcomb has over 200 trails, 16 bowls, 3 glaciers, 37 lifts and are connected by the Peak 2 Peak Gondola. Both Mountains offer a variety of terrain for the beginner, intermediate as well as the advanced skier/ snowboarder. Also, both Mountains have runs approx. 7 miles long, top to bottom!!
Combined these mountains are the largest skiable areas in North America. The resort base elevation sits at a comfortable 2,142 feet which means you won’t have to deal with altitude sickness if you’re coming from a lower elevation or from seal level.
Whistler has a pedestrian-only Village and offers a free shuttle throughout so getting around is a breeze. Whistler has endless restaurants, more than 200 stores for shopping, spa therapies and even a movie theatre!
Whistler Blackcomb was host to the 2010 Winter Olympics delivers a consistent snow cover for almost 200 days a season and has consistently been rated the number one ski resort in North America. You’ll thoroughly enjoy traveling toWhistler Blackcomb by bus along beautiful Sea-to-Sky Highway which is about two and a half hours away from Vancouver.
TRIP PACKAGE DETAILS
Our Whistler Ski Week Includes: 6 Nights Lodging @ The Crystal Lodge (Base of the Village) No Shuttle!! Arrive Sunday – 6 Nights – Depart Saturday 4 Day Mountain Lift Ticket Included Meals: ……Daily Buffet Breakfast (6) ……Sunday: Welcome Reception with Light Dinner ……Monday: Dinner Included ……Tuesday: Dinner Included ……Friday: Farewell Dinner Included Room Mate Match for Singles On Site Hosts Discounts on Ski Rentals
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TRIP ITINERARY
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Sunday: Arrive Vancouver Airport before 3 Pm if possible to allow time for baggage pickup, and shuttle to our hotel. 7:00 Meet for group orientation and Included dinner in Hotel Banquet room
Monday: 7-10 AM Full Hot Breakfast. Included 8:00 Rent or Pick Up Pre Ordered Skis 10:00 Meet for group skiing 12:30 Meet for Lunch Location TBD 4:00 Happy Hour! 7:00 Meet for dinner at Hotel Banquet Room. Included
Tuesday: 7-10 AM Full Hot Breakfast 10:00 Group skiing or venture out with friends earlier 12:30 Meet for Lunch Location TBD 4:00 Happy Hour & Hot Tub/Pool! 7:00 Meet for dinner. Location TBD. Included
Wednesday: FREE DAY OR optional Ski Extra Day 7-10 AM Full Hot Breakfast 6:30 “On your own dinner” Meet in hotel lobby for multiple dinner options
Thursday: 7-10 AM Full Hot Breakfast 10:00 Group skiing or venture out with friends earlier 12:30 Meet for Lunch Location TBD 4:00 Happy Hour & Hot Tub/Pool! 6:30 “On your own dinner” Meet in hotel lobby for multiple dinner options
Friday: 7-10 AM Full Hot Breakfast 10:00 Group skiing or venture out with friends earlier 12:30 Meet for Lunch Location TBD 4:00 Happy Hour & Hot Tub/Pool! 7:00 Meet for dinner. Location TBD. Included
Saturday: Travel Day 7-10 AM Full Hot Breakfast Buffet
Note: Alcohol is not included with dinners or Happy Hours Restaurants & Menu Choices Can Vary With Group Size
Optional Day Information (if applicable)
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TRIP HOTEL DETAILS
4154 Village Green, Whistler, BC V8E 1H1, Canada
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TRIP RESOURCES
Receive a 20% discount on rentals with the link below. They’re located right in our Hotel! Just mention your staying at the Crystal Lodge.
Ski Rental Link
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Transportation
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Whistler Shuttle
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Click here for a customized travel insurance quote
Singles Travel Services recommends that all travelers purchase a travel protection plan to help protect themselves and their trip investment. Travel protection plans can provide coverage for trip cancellation, trip interruption, emergency medical expenses and emergency evacuation/repatriation, trip delay, baggage delay, and more.
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Single trip travel insurance is designed to cover one specific holiday or trip. If you plan to travel more than 2 times per year, our annual multi trip policy may be better value.
We can only cover people up to the age of 85, if you are over this age, you can get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.
An annual multi trip policy can save you money if you travel 2 or more times per year. It also means you won't have to set up a new policy every time you go.
We can only cover people up to the age of 74. If you are over this age you could try our single trip policy which has an age limit of 85. Alternatively, you may get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.
We offer our Globetrotter policy to those looking to travel for between 60 and 365 days on one journey.
We can only cover people up to the age of 65. If you are over this age you could try our single trip policy which has an age limit of 85. Alternatively, you may get cover from our partner Goodtogoinsurance.com. To buy a policy from them online click here , or call them on 0330 024 4478.
Our winter sports policy covers you for a range of activities, on or off-piste (within resort boundaries), whether you are a skier or a snowboarder. Check the policy wording for a full list of the winter sports covered. Adding this cover to annual multi trip policies will cover you for up to 17 days per year.
This includes cover for travel to: England, Scotland, Northern Ireland, Wales and the Isle of Man.
This includes cover for travel to: Aland Islands, Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (including Guernsey, Jersey, Alderney, Sark and Herm), Chechnya, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Greenland, Hungary, Iceland, Italy (including Aeolian Islands, Sardinia, Sicily), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Morocco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (West of the Urals), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Tunisia , Turkey, Ukraine, UK Area (Great Britain and Northern Ireland), The Republic of Ireland and Vatican City.
Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .
Travel anywhere in the world. Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .
Travel anywhere in the world, except USA, Canada, Mexico, Caribbean. Please note: This policy excludes travel to countries or regions which the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to. It is recommended that, before travelling, you check the foreign travel advice area provided by the FCDO which can be found at www.gov.uk/foreign-travel-advice .
For annual multi trip policies, cancellation cover is provided from the selected policy start date. If you require cancellation cover to begin immediately, please select today as the policy start date.
For single trip policies, cancellation cover is provided from when you purchase your policy.
Please select the traveller who you wish to book insurance for. If there is a group of you, please select the Group type of policy.
A couple who are legally married, common-law partners or living at the same address. All limits and excesses are per person irrespective of one or both travelling on the same trip.
A family is considered to be a legally married couple, a common law husband and wife, a single parent or adult couple who have lived at the same address for at least one year and up to 4 children aged under 18 (or up to 22 if in full time education). Under 2s travel free on an Adult or Couple Policy (please select Family, under Type of policy to set this up).
If your group has more than 8 people, please call us at 0800 068 0060.
Please note: All limits and excesses are per person (unless otherwise stated) irrespective of whether travelling on the same trip or individually.
Travel Insurance for Russia
Explore moscow and st petersburg with the right cover for your holiday .
Russia is the biggest country in the world and offers plenty for holidaymakers to explore, with each city providing new experiences and sights to see.
According to the United Nations’ World Tourism Organisation , the country ranked ninth in Europe for tourist numbers in 2018 with 24.6 million international visitors.
Moscow and St Petersburg are two of the busier cities for holidaymakers, but there is much more to see if you are keen to explore further. Kizhi Island, Vladivostok and Sochi are all stunning destinations to head to if you are planning a trip and they all have unique spots to enjoy.
If you are keen to travel and discover what the country has to offer, then make sure that you have travel insurance in place in case something happens during your trip.
Do I need a visa and travel insurance for Russia?
Travel insurance is essential for a trip to Russia and helps ensure that you have adequate cover for emergency medical costs, as well as protection for your luggage and potential flight delays. Columbus Direct offers both single trip and annual multi-trip policies , and they can be tailored to suit your needs. This includes getting optional add-ons for winter sports , golf cover and extra protection for gadgets that you take with you on holiday.
If you plan to travel to the country, then you will need to apply for a visa from the Russian embassy. All UK citizens aged 12 or over will need to get their fingerprints scanned as part of the application, which involves visiting a visa application centre in the UK. Your visa will include your passport details as well as the dates of your stay. Your passport should also have at least six months remaining at the time that your visa expires. You might also be required to show that you have an insurance policy that is valid for the entirety of your trip.
When visiting as part of a cruise, you don’t require a visa if you are there for less than 72 hours and the tour has been booked through an official company.
Vaccinations
Specific vaccinations aren’t required , but you are advised to ensure that your primary courses and boosters are up to date, such as MMR and the flu vaccine. The NHS website also suggests that you could also consider boosters and vaccines for other illnesses such as diphtheria, tetanus, hepatitis A, hepatitis B and rabies. If you are unsure whether you should get vaccinations, it is worth checking with a GP ahead of your trip. Holidaymakers should also be careful in areas with a high altitude, as it you can sometimes experience negative effects, and you should look out for show signs of Acute Mountain Sickness if you are feeling unwell.
Is Russia part of Europe for travel insurance?
When it comes to getting travel insurance for a holiday in Russia, the type of cover will depend on which region you are travelling to.
West of the Ural Mountains is usually considered to be part of Europe and travel to this province can be covered by a Europe policy. It has a large portion of the country's population, even though it only covers a quarter of the Russian territory, and it includes major cities like Moscow and Saint Petersburg.
The eastern side of the Urals forms part of northern Asia and is commonly known as Siberia. To have valid cover here, you will need to get worldwide travel insurance . This will ensure that you have protection for your trip, including medical cover and personal baggage that is damaged, lost or stolen. If you intend to visit both sides of the country, then you would need to get worldwide insurance to cover both areas.
If you are planning another trip over the next year, then annual multi-trip cover could be the cheaper option. Worldwide coverage would mean that you can travel as far as America, Canada and Australia within a one-year period without the need to get more travel insurance.
Russia travel advice
Arriving in russia.
Visitors are advised to carry their passport with them at all times, as there can often be random checks from police. You will also be required to register with the local authorities if you are staying in a location for more than seven working days. This is normally done automatically for you when staying at a hotel, but your host will need to do it if you are staying somewhere else.
The EHIC is not valid there, which makes travel insurance even more important, as it can help with healthcare costs that you could face. Hospitals often require cash or credit card payments in advance of treatments . You can usually bring prescription medication if you are planning to use it for personal needs, but some medicines require certain prescriptions to be allowed into the country, so it is worth checking with the Russian Embassy if you are unsure.
If you are planning to drive, you will need to get an International Driving Permit (IDP), and your car insurance policy must have a third-party cover as a minimum. The RAC’s guide to driving in the country explains that speed limits vary depending on what area you are in, but generally residential zones are limited to 37mph in built-up areas and 68mph on expressways. When driving you should carry all of your documents with you including your full valid driving licence, IDP, proof of insurance, passport and visa. Your car is also required to carry specific items such as a warning triangle, first aid kit, spare bulb, headlamp beam deflectors and a fire extinguisher.
The size of the country
The current population is estimated to be around 145 million people, making it the ninth most populous country in the world. This is despite it being the largest country in terms of land mass. Moscow is by far the most heavily populated area, with an estimated 12.4 million people living in the capital. The amount of people in Eastern cities is sparser, compared to the west which has considerably more citizens.
As the country is so vast it means that there are several different time zones, so the local time can vary quite dramatically depending on where you are. There are currently eleven time zones spanning across the country, ranging from UST +02.00 in Kaliningrad to UST +12.00 in Chukotka. The time where you are will depend on which region you are staying in, and if you plan to travel around the country then it is likely that your time zone will change several times.
What to do on holiday in Russia
Being such a large country means that it is often impossible to see everything during one visit. The different regions can vary in their culture, as well as the sights and history that you can experience while you are there.
Many tourists will look to visit Moscow, the capital of Russia, during their first trip to the country. Red Square is one of the city’s most visited spots and it is known for its stunning architecture and for being home to the current president. It is also home to several tourist spots include St Basil’s Cathedral and Lenin’s Mausoleum, as well as a market square where you can find vendors selling a variety of items and food.
St Petersburg is the second biggest city, with over five million people living there, and it has several popular tourist spots. The State Hermitage Museum is one of the most well-known tourist attractions, and it is the second-largest art museum in the world. It was founded in 1764 and has a vast art collection spanning over three million items, including work from various parts of the world.
There is also the Church of the Savior on the Spilled Blood , which was built during the 19 th century as a way of memorializing Alexander II. The Peterhof Palace can also be visited in St Petersburg and it has various gardens and palaces to explore. There is also the Winter Palace of Peter I, which visitors can walk around with private tours available for those looking to learn about its history. There is also an exhibition complex with historical items and paintings available to view.
The country has several nature spots to visit such as the Stolby National park near to Krasnoyarsk. There is also the Kamchatka Peninsula which is 1,250 kilometres long and can be found in the far eastern part of Russia. Visitors can see volcanoes, rivers and hot springs, as well as snow peaks in some areas of the region.
If you plan to get involved in some activities during your trip, make sure that it is covered as part of your travel insurance. Columbus Direct includes 150 sports and activities for free with every policy, which ensures that you are protected for football, zip-lining, yoga and various other activities.
If this isn’t enough, you can also get the Adventure pack add-on to include even more sports to your cover, while our Winter Sports option offers protection for skiing, snowboarding and other winter activities. This includes emergency medical treatment and helicopter rescue, as well as cover for your equipment and delays on your trip because of piste closures and avalanches.
How to travel around Russia
It is the largest country in the world and if you are planning to visit more than one area, then you will need to decide on which mode of transport you want to use. There are many different options with local flights and trains considered to be the most popular choices.
There are over 150 airports in Russia, including five in Moscow. Which can make it easier to travel between cities, but you are advised to plan your trip beforehand. Aeroflot is the largest airline in the country, but it doesn’t travel to all airports. This means that you may have to look at other options depending on where you are looking to visit. You can compare them by using Airline Ratings , which rates them by safety standards, and it also includes details on seating, entertainment and food in-flight.
Experience the Trans-Siberian Railway
When it comes to trains, the Trans-Siberian Railway is one of the most well-known rail trips in the world. It runs from Moscow to Vladivostok, while there is also the option to take alternative routes through Mongolia and China . Each journey on the train can provide a different experience, as you have the option of going on various excursions, and the train has many different stops that it can make along the way.
Some of the most popular stops on the Tran-Siberian Railway include Yaroslavl, which is a city originally founded in 1010 and it is a UNESCO World Heritage site . The stunning city has a long history that you can see as you walk through the streets, while there are several 17 th century churches to visit as well.
There is also Lake Baikal , which is a historic lake in the Russian region of Siberia, and it is believed to be the deepest lake in the world. The area has a host of wildlife, including several species of plants that can only be found at the lake, as well as various freshwater fish and seal. Lynx and bears can also be found living in the surrounding area.
Some of the other trains can travel incredibly fast, such as the Sapsan , which moves between Moscow and St. Petersburg at an average speed 155 miles per hour.
What are the risks of travelling to Russia?
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Most of the country is safe to visit, particularly if you remain mostly in the tourist areas. There are cases of pick pocketing and theft in some parts, so tourists are advised to keep their belongings close and to not leave any bags unattended. It is particularly common on public transport and in busy streets when travelling through some of the busier cities.
There are also some taxis that operate without a licence, and the safer option is to use a taxi app to book your journey or order a cab through your hotel. There have also been reports of drink spiking, which can lead to robberies and abuse, so it is advised that you buy your own drinks and keep them in your sight.
There have been a few terrorism attacks over the last ten years, including a suicide attack in St Petersburg in April 2017, while there have also been attacks in Moscow and other cities. There has been an increase in civil unrest and kidnapping in North Caucasus, while the Foreign and Commonwealth Office (FCO) has advised against travel to various areas, including Chechnya, Dagestan and Ingushetia.
Russia is also known for having a low tolerance towards LGBT+ issues, and it was ranked poorly by ILGA-Europe , which examines countries and their progress towards equality . The country has no laws in place to protect LGBT+ people from discrimination and hate crimes, and Moscow Pride was banned for 100 years back in 2012. There have been reports of violence and harassment to members of the LGBT+ community, and tourists are advised that public displays of affection could put you in danger if it draws negative attention.
What to do if something happens while I’m away
If you require the emergency services while you are in Russia, the main contact line is 112 .
You can also call 101 for the national emergency telephone line, 102 to reach the police , and 103 for medical emergencies .
You can also reach out to the British Consulate General Ekaterinburg or the British Embassy in Moscow on +7 495 956 7200 .
Your Single Trip Travel Insurance comes with a number of benefits. These include:
- Our policy can protect you from 1-365 days. Even if you only plan on having one trip, you can let your holiday last even longer.
- Cover for up to £15 million provided for medical expenses. Including emergency medical treatment, repatriation and the services of a medical assistance company
- Insurance may be available if you have a pre-existing medical condition . Let us know if you or any other insured parties require additional cover, and we will do our best to accommodate.
- We provide cover for up to 150 sports and activities free of charge. Let you hair down and try your hand at some of the sports and activities which may be on offer.
- Your baggage will be insured for up to £2500, including your valuables and delayed baggage. Should your luggage or personal belongings become delayed, lost, stolen or damaged during your trip.
- Optional - Winter sports , ski and snowboard cover can be included. Which includes a whole lot more than just ski and snowboarding!
- Optional - Gadget cover can be added. Add extra cover for your mobile phone, tablet or laptop with up to £1000 protection against theft, damage or loss on your trip.
- You can be eligible for single trip insurance up to the maximum age of 85 . Be free to travel the world whether you're young, or young at heart
Key benefits of cover:
24h medical assistance services: included.
- Should you require emergency medical treatment or repatriation, our policies provide you with access to a 24hr multilingual staffed medical emergency company.
Medical Expenses: up to £15 million
- Whether its injury or illness, our policies cover you for both emergency in-patient and out-patient treatment, which includes non-routine prescription charges, consultations, physiotherapy and even emergency dental treatment. If it becomes medically necessary to repatriate you back to your home country, then this is covered too.
Cancellation and Curtailment: up to £5,000
- We will compensate you for any unused accommodation and travel expenses which you lose or incur as a result of having to cancel / curtail your holiday due to certain reasons.
Personal Property cover: up to £2,500
- We cover the loss and theft of and damage to your baggage & personal belongings. We also provide you with an allowance to purchase essential replacement items in the event that your checked-in baggage is delayed for a certain period of time.
Frequently Asked Questions:
Am i covered for off piste and without a guide.
You’ll be covered for skiing and snowboarding both on and off piste provided you stay within resort boundaries. You don’t need to be accompanied by a guide.
Why do I need a winter sports policy?
If you’re planning to take part in any winter sports on your trip, you’ll need extra cover to insure you whilst you’re participating in winter sports activities. This extends the policy to cover you whilst you’re skiing or snowboarding – including emergency medical expenses cover if you suffer an injury. It also includes useful extras, like cover for your skiing or snowboarding kit (whether it’s owned or hired), piste closure cover and more
When should I purchase my ski policy?
If you want cover for a single trip, cancellation cover starts as soon as you buy your policy – so if you’ve already put a deposit on your ski holiday or paid for your flights or hotel, it makes sense to sort your travel insurance out right away.
If you’re considering an Annual Multi-Trip policy to cover all your travel this year, then cancellation cover starts from the start date on your policy. So if you’ve paid for your trip, enter the policy start date as today to make sure your holiday is protected.
Don’t forget, there’s a 14 day cooling off period from the date of receiving your policy documentation – during which you can receive a full refund, provided you haven’t already travelled.
Does my EHIC cover me for winter sports in Europe?
The European Health Insurance Card (EHIC) currently allows UK residents to be treated in EU countries as well as Norway, Liechtenstein and Iceland, on the same terms as citizens of the country they are visiting. It doesn’t cover the cost of repatriating you back to the UK airlifts off the mountainside.
Not all countries included in the EHIC agreement have totally free healthcare, so the Foreign and Commonwealth Office have always advised that the EHIC in no way replaces your travel insurance policy but it can help to reduce your costs. We will remove the excess payable on any medical claim where an EHIC has been used.
If you have any unanswered questions, please visit our Winter Sports FAQ’s page for more information .
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What is A Single-Trip Travel Insurance Policy?
with our partner, Faye
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Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.
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Here’s a breakdown of how we reviewed and rated the best travel insurance companies
Single-trip travel insurance plans can help you manage the risks associated with travel, including trip delays , cancellations and medical emergencies. Even if these unwanted events don’t occur on your vacation, single-trip travel insurance provides peace of mind knowing you have financial support if needed.
The best travel insurance providers offer comprehensive coverage to help you avoid sunken cancellation costs and get back on track after a trip interruption. Read on to learn more about single-trip travel insurance and when to purchase a policy.
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What Is Single-Trip Travel Insurance?
Single-trip travel insurance covers one trip, with coverage extending from the time of purchase to the date you return home. Single-trip plans are best for casual travelers or those who do not travel internationally often. Frequent travelers may find more value in a multi-destination or annual travel insurance plan.
Single-trip travel insurance protects you from certain risks while traveling. Policies typically reimburse costs related to:
- Trip cancellation (including your flight and hotel)
- Emergency medical treatment or evacuation
- Travel delays and interruptions
- Lost or damaged baggage
- Stolen valuables, like a camera or laptop
Trip interruption and cancellation coverage are limited to unforeseen and uncontrollable events such as natural disasters, unexpected illnesses, a death in the family or an accident. You won’t get reimbursement if you change your mind or break up with your traveling companion before the trip — unless you purchase additional cancel for any reason (CFAR) coverage .
Insurers list coverage exclusions so you are aware of limitations when buying a policy. The fine print will also include coverage limits or the maximum amounts the policy pays for a covered event.
Single Trip Travel Insurance vs. Annual Travel Insurance
Most insurance providers offer multi-trip or annual policies that provide coverage for more than one journey. This option provides more value than single-trip plans in certain situations.
Here are situations in which a single-trip policy may be the better option:
- If you travel frequently but rarely go abroad and want coverage for international travel.
- If you are planning a once-a-year family trip and want cancellation coverage to protect your investment.
- If you are traveling for a special occasion and want protection so you can travel elsewhere if the trip gets canceled.
- If you might require medical coverage while traveling abroad and want to avoid paying for treatment out-of-pocket.
Annual policies are better in some circumstances, including:
- Frequent international travelers may be able to get a better rate with annual coverage.
- Digital nomads and expatriates living abroad for work often need health coverage provided by an annual plan.
- Anyone with more than two trips planned during a calendar year may get better value from multi-trip policies.
In most cases, the decision comes down to how much time you spend abroad and the number of trips you take during a given year.
Who Should Get Single-Trip Travel Insurance?
Single-trip travel insurance can benefit individuals, families or groups who don’t travel frequently and want to cover a specific trip. A travel insurance policy can offer financial protection for trips that require a significant investment.
Many travelers purchase single-trip policies to cover medical expenses. According to the U.S. Department of State , American health insurance does not usually work overseas. If you need emergency care abroad, you will have to pay out of pocket unless you have a travel medical plan.
Here is a closer look at the advantages and drawbacks of single-trip travel coverage:
Benefits of Single-Trip Travel Insurance
Single-trip travel protection provides certain benefits to travelers.
- Flexibility: You can purchase a policy with specific coverage and limits based on what you need for your trip without paying for extras you won’t use.
- Protection from unexpected events: Cancellation and interruption coverage can help you avoid losing your travel investment or spending extra because of an accident, disaster or another event beyond your control.
- Peace of mind: Even if you do not make a claim, travel insurance provides peace of mind knowing you have financial support if you encounter an emergency abroad.
According to the U.S. Travel Insurance Association , travelers use their coverage more than other insurance services — 17.3% of people who purchase trip coverage file a claim. In contrast, only 7.3% of homeowners utilize their house insurance.
Downsides of Single-Trip Travel Insurance
There are a few negatives to be aware of when purchasing travel insurance.
- Redundancies: You may already have some travel coverage through a credit card or health insurance. Check what coverage you have to avoid paying for double protection if you purchase comprehensive insurance.
- Age limits and pre-existing conditions: Insurers may deny coverage based on your age or pre-existing medical conditions . Check your policy for coverage exclusions if you have an existing health condition. Your provider may require you to purchase a waiver before your trip to qualify for coverage.
- Coverage limits: Policy maximums can limit payout amounts. In general, cheaper single-trip policies have lower maximums. Make sure your policy covers the amount you expect to spend for your trip.
Reading the fine print of your insurance policy can help you avoid these downsides and get the most out of your single-trip insurance benefits
Choosing the Right Single-Trip Travel Insurance
One of the advantages of single-trip insurance is the ability to select the best policy for each journey. You can choose the best travel insurance provider based on how well a policy meets your needs for your specific trip plans.
Here are factors to consider when shopping for single-trip insurance:
- Trip duration: The cost of a single-trip policy often depends on how long you will be outside the U.S. For example, a two- or three-week trip is likely to cost more than a week-long vacation.
- Total trip cost: Calculating the cost of pre-booked portions of your trip can help you determine how much coverage you need. Your insurer will require you to specify a trip amount to obtain a quote.
- Your location and destination: Insurance costs can vary based on where you live. For example, coverage for a traveler from New York may cost more than the same policy for someone in Virginia.
- Deductibles: A policy deductible is what you pay out of pocket before your insurance kicks in. Higher deductibles mean lower premiums but force you to pay more out of pocket if you file a claim.
Single-trip plan costs vary depending on the above details. We recommend you get quotes from different providers, compare conditions, research exclusions and verify coverage limits before purchasing a policy. Look for a policy that meets your coverage and budgetary needs without too many extras.
Which providers should you choose? Here are five major travel insurance providers that offer single-trip plans:
- International Medical Group (IMG) offers comprehensive and travel medical care plans.
- Seven Corners has a range of insurance products, including single and multi-trip plans.
- AIG has various travel insurance plans, including coverage for last-minute travel.
- Trawick International offers comprehensive plans, including specialized coverage for students and adventure travelers.
- Travelex sells both domestic and international travel insurance policies.
It pays to get as much information as possible about each insurer so you can make an informed decision about your travel coverage purchase. You can use our quote tool to get started:
What Does Single-Trip Travel Insurance Cover?
Comprehensive single-trip insurance covers the following:
- Medical emergencies and evacuations: Single-trip travel health insurance reimburses you for medical treatments if you fall ill or have an accident. It also pays for medical evacuation or transport home if you need long-term or specialized care.
- Trip interruptions: This insurance pays for accommodations and transportation if you experience extended delays due to a disaster, conflict or other uncontrollable events.
- Delayed or lost luggage: This coverage allows you to replace lost or delayed luggage due to mishandling by your airline or other transportation provider.
- Trip cancellations: This part of the policy reimburses you for nonrefundable, prepaid portions of your trip that get canceled due to unforeseen circumstances.
- Repatriation: If you pass away on your trip, this insurance pays to have your remains returned home.
- Other coverage: Some policies protect against device or equipment theft or offer additional coverage for certain activities, like rental car usage or travel excursions. While comprehensive policies may include this coverage, other providers may allow you to purchase protection as a policy add-on.
Additional Considerations and Optional Coverages
Keep in mind that policies may have age restrictions or limit coverage for customers with pre-existing conditions. Restrictions vary by provider, so it is best to research insurers individually to understand specific limitations and requirements. However, some insurance companies allow customers to purchase pre-existing medical condition waivers.
Insurers use a similar approach for other risks, such as adventure sports like scuba diving or rock climbing. Some providers allow you to purchase add-ons to increase medical insurance coverage limits or add protection for sporting equipment and other gear.
Finally, CFAR coverage is an add-on that reimburses a portion of trip cost without requiring you to provide the rationale for your cancellation. CFAR coverage offers an alternative to standard trip cancellation insurance, which outlines specific reasons that qualify you for reimbursement.
How Much Does a Single-Trip Travel Insurance Plan Cost?
Travel insurance costs can vary based on your trip details and coverage needs. We gathered quotes from multiple providers to give you an idea of what single-trip coverage might cost for different travelers.
- Two 40-year-old travelers from New York going to Jamaica for two weeks in November with a $2,500 itinerary can expect to pay $134 with IMG Global . The policy covers trip cancellation, $250,000 in medical expenses and $500,000 in evacuation insurance.
- A 30-year-old traveling from Florida to Germany for a week in October with a trip worth $2,500 would pay $86.44 for a plan from Trawick International . Coverage includes $150,000 in emergency medical expenses, $1 million in evacuation insurance and full cancellation coverage.
- A family of four going to Mexico for two weeks in December would pay $124 per person for Travelex Insurance . The policy includes cancellation and interruption coverage , $50,000 per person in medical insurance and $500,000 in evacuation coverage.
The above examples include prices from midrange plans that offer comprehensive coverage.
Is Travel Insurance For One Trip Worth The Cost?
Single-trip insurance is worthwhile because it protects you from common travel risks, including cancellations, delays and medical emergencies. These plans can also provide peace of mind knowing you will have financial support if the unexpected happens during your trip. While single-trip policies are best for travelers looking to cover one excursion, frequent travelers may benefit more from multi-trip coverage.
Frequently Asked Questions About Single-Trip Travel Insurance
Does single-trip insurance cover travel cancellation.
Most single-trip plans include trip cancellation coverage . With this insurance, your provider agrees to cover a portion of nonrefundable costs if your trip gets canceled for a covered reason. Check your policy for coverage details.
Can I buy a single-trip travel insurance policy if I’ve already left for my trip?
Policies for purchasing coverage vary based on the company. Many companies require you to purchase insurance before departure to receive the full benefits. But some companies, especially those specializing in travel health insurance, allow you to buy a policy at any time. However, travel medical insurance often has a waiting period of up to 72 hours before coverage starts. This wait ensures you don’t buy coverage after you are already sick.
Does single-trip travel insurance coverage include baggage loss?
Most travel insurance policies include coverage if you experience a baggage delay or an airline loses your luggage . You may also have coverage for luggage theft or damage up to a certain amount.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .
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Money blog: How to gain £6,000 by topping up your national insurance
Welcome to the Money blog, your place for personal finance and consumer news and tips. Today's posts include a Money Problem on the benefits or otherwise of topping up your national insurance. Leave your problem or consumer dispute below - remember to include contact details.
Monday 19 August 2024 11:34, UK
- Energy bills to rise 9% this winter - forecast
- Kellogg's shrinks size of Corn Flakes
Essential reads
- Money Problem : 'Should I top up my national insurance and could it really get me £6,000 extra?'
- Couples on how they split finances when one earns more than other
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Ask a question or make a comment
By Jimmy Rice, Money blog editor
Every Monday the Money team answers your Money Problems or consumer disputes. Find out how to submit yours at the bottom of this post. Today's question is...
I'm 62 and have 10 years of gaps in my national insurance record as I worked for my parents' import business without a fixed wage during most of my twenties and thirties, and had periods of unemployment in my fifties. What are the benefits of topping up before I retire in a few years and can I really get £6,000 added to my pension for every £900 I put in? Tony, Palmers Green
This is a question many people approaching retirement will be asking themselves, Tony.
First, it's worth us outlining why your national insurance record matters and who can top up.
If you reached pension age after 6 April 2016 you need 10 years of NI contributions to get a state pension - and 35 years to get the full £221.20 a week. Before that 2016 date, it's 30 years.
People may have gaps in their record for numerous reasons including: being unemployed, on a low income, self-employed, having worked abroad, or having taken a break from work to raise a family.
Ordinarily, you can pay voluntary contributions for the past six years - but currently there's an extended period meaning a man born after 5 April 1951 or a woman born after 5 April 1953 can pay voluntary contributions to make up for gaps between April 2006 and April 2016.
The deadline for this is 5 April 2025.
How much could topping up earn you?
It would cost £907.40 to cover all NI contributions from the 2023-24 tax year - each year is different but this is a good guide. Going back to your question, if you went on to enjoy 20 years of retirement, you would get back £6,000. It would take just three years to get your £907.40 back.
Who might want to think twice?
Just to stress, as always, that this post is not intended as financial advice. Instead, we're outlining things you should think about.
The first thing anyone should consider is if they'll fill gaps naturally through working - in which case there'd be no point topping up. Given your age, Tony, it could be an option for you - but check your state pension forecast here .
There are lots of other things to factor in and you should seek independent financial advice.
Wealth management firm Charles Stanley says a key consideration is whether a higher pension would either:
- Drag you into paying tax when you retire;
- Mean you no longer qualify for certain benefits.
"You might not benefit from the full amount of extra money as some will be taken in income tax," they say.
"In addition, boosting state pension income can affect entitlements to means-tested benefits. Notably, if you claim pension credit, which tops up the income of very low earners over state pension age, any increase in the state pension would normally reduce an award. This often means that you would be no better off paying voluntary contributions."
Another consideration - and this isn't something most people want to contemplate - is that if you don't think you'll live long enough into retirement (you might be in ill-health or have a terminal illness) to benefit from topping up, then it's probably not worth it.
People should also look into whether they could transfer contributions from their spouse or civil partner .
One more way to top up
Which? advises: "Ensure that you are getting any NI credits you are entitled to before contemplating paying voluntary NI contributions for a particular year.
"These are free and will apply, say, if you are caring for a child in the family as a parent or grandparent, claiming statutory sick pay or looking after a sick/disabled person."
If you're below state pension age, you can contact the Future Pension Centre to see if you'll benefit from topping up - they're on 0800 731 0175. If you already claim the state pension, call the Pension Service on 0800 731 0469.
Again, before taking any action you should seek independent financial advice.
If you do decide to top up, you'll need a Government Gateway account.
On there, you can see gaps, the cost of filling them and how much you could benefit - you can then pay online.
This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute via:
- The form above - you need to leave a phone number or email address so we can contact you for further details;
- Email [email protected] with the subject line "Money blog";
- WhatsApp us here.
Over 40 bottles of fake vodka have been seized from a shop in Scotland after a customer reported "smelling nail varnish".
The 35cl bottles, fraudulently labelled as the popular brand Glen's, were recovered from the shop in Coatbridge, North Lanarkshire.
Officers from the council's environmental health officers and Food Standard Scotland (FSS) sent them for analysis after a customer raised the alarm by saying they smelt nail varnish from one of the bottles.
The bottles were found to be counterfeit.
Britons don't have long left to claim cost of living assistance from the Household Support Fund.
Introduced in October 2021, the scheme provides local councils with funding which can be used to support those struggling most with the rising cost of living.
The vast majority of councils operate their version of the Household Support Fund on a "first come, first serve" basis and will officially end the schemes once the funding has run out in September.
The help provided by councils has ranged from free cash payments, council tax discounts, and vouchers for supermarkets and energy providers.
Who is eligible?
Local authorities were instructed to target the funding at "vulnerable households in most need of support to help with significantly rising living costs" when it was first rolled out.
In particular, councils were guided to make priority considerations for those who:
- Are eligible but not claiming qualifying benefits;
- Became eligible for benefits after the relevant qualifying dates;
- Are receiving housing benefit only;
- Are normally eligible for benefits but who had a nil award in the qualifying period.
If you do not meet these criteria, you can still contact your local council , with many having broadened their criteria for eligibility.
By Daniel Binns, business reporter
Weapons maker BAE Systems is the big loser on the FTSE 100 this morning, with its shares down almost 3% in early trading.
It comes following reports over the weekend that the German government is planning to scale back aid to Ukraine in its war with Russia – in what would be a blow to the arms industry.
German media said ministers are set to slash support for Kyiv to 6% of current levels by 2027 in their upcoming budget.
However, the government there has rejected the reports and has denied it is "stopping support" to Ukraine.
Whatever the truth, the reports appear to have spooked traders.
Other companies involved in the defence sector, including Rolls-Royce Plc and Chemring Group, are also down more than 2% and 1% respectively on Monday.
It comes amid a slight slump in early trading, with the FTSE 100 down just over 0.2%, although the FTSE 250 is up 0.07%.
Gainers this morning include housebuilders Barratt Developments, up 1.5%, and Redrow Plc, which is up almost 3%.
Barratt said today it intends to push ahead with a planned £2.5bn merger with its rival despite concerns from the competition regulator.
Meanwhile, the price of oil is down amid concerns of weaker demand in China.
Ongoing ceasefire talks in the Israel-Hamas conflict have also raised hopes of cooling tensions in the Middle East, which would help ease supply risks and worries.
A barrel of the benchmark Brent Crude is currently priced at just over $79 (£61).
On the currency markets, this morning £1 buys $1.29 US or €1.17.
Winter energy bills are projected to rise by 9%, according to a closely watched forecast.
The price cap from October to December will go up to £1,714 a year for the average user, Cornwall Insight says.
It would be a £146 rise from the current cap, which is controlled by energy regulator Ofgem and aims to prevent households on variable tariffs being ripped off.
The cap doesn't represent a maximum bill. Instead it creates an average bill by limiting how much you pay per unit of gas and electricity, as well as setting a maximum daily standing charge (which all households must pay to stay connected to the grid).
Ofgem will announce the October cap this Friday.
"This is not the news households want to hear when moving into the colder months," said the principal consultant at Cornwall, Dr Craig Lowrey.
"Following two consecutive falls in the cap, I'm sure many hoped we were on a steady path back to pre-crisis prices.
"However, the lingering impact of the energy crisis has left us with a market that's still highly volatile and quick to react to any bad news on the supply front.
"Despite this, while we don't expect a return to the extreme prices of recent years, it's unlikely that bills will return to what was once considered normal. Without significant intervention, this may well be the new normal."
Cornwall Insight warned that the highly volatile energy market and unexpected global events, such as the recent escalating tensions in the Russia-Ukraine war, could see prices rise further at the start of the new year.
To avoid this vulnerability, Cornwall Insight said domestic renewable energy production should increase and Britain should wean itself off energy imports.
Kellogg's appears to have shrunk its packets of Corn Flakes.
Two of its four different pack sizes have reduced in weight by 50g, according to The Sun.
What used to be 720g boxes are now 670g, while 500g boxes have become 450g.
The newspaper says the 670g boxes are being sold for £3.20 in Tesco - the same price customers were paying for the larger box back in May.
The 450g boxes are being sold for £2.19, only slightly less than the previous price of £2.25.
Other supermarkets have similar pricing, although in Morrisons the price has gone down in proportion to the size reduction.
The 250g and 1kg pack sizes remain unchanged.
Kellogg's has said it is up to shops to choose what they charge, but Tesco said the manufacturer should comment on pricing.
Sky News has contacted Kellogg's for comment.
A spokesperson is quoted by The Sun: "Kellogg's Corn Flakes are available in four different box sizes to suit different shopper preferences and needs.
"As the cost of ingredients and production processes increase, it costs us more to make our products than it used to.
"This can impact the recommended retail price. It's the grocer's absolute discretion and decision what price to charge shoppers."
WHSmith has launched a café brand as it seeks to expand into the food-to-go market.
The first café is in Princess Anne Hospital in Southampton and offers teas and coffees, hot breakfasts and pastries
Its branding is the same as the Smith Family Kitchen food-to-go range launched three months ago.
WHSmith UK travel managing director Andrew Harrison said: "Whether it's in a hospital or on their journeys, customers tell us that quality food and drink options are what they prioritise most in the different locations we serve.
"That's why we have been doubling down on our food ranges and formats to ensure our customers don't need to compromise on quality or value, as demonstrated today with the launch of Smith's Kitchen."
Thanks for popping into Money, our live blog for consumer and personal finance news and tips, as we kick off a new week. Here are five reasons to pop back over the coming days...
Topping up your national insurance
Coming up this morning is this week's Money Problem , focusing on a question from reader Tony, in Palmers Green, who wants to know if he could really add £6,000 to his retirement pot with a £900 top-up to his national insurance.
Bring back Spangles
Thousands of you have got involved in our Bring It Back series in the last few weeks, suggesting the old-school sweets or treats that you'd love to see revived. This week, published first thing tomorrow, we're looking at a classic that's been mentioned time and again in our comments section - Spangles. We'll be hearing what Mars had to say about a potential return.
Why should you pay with credit card?
We'll also take a deeper dive into one of the most common pieces of consumer advice: that you should try to pay on credit card for big purchases. Why do you get extra protection, how does it work and what is and isn't covered - we'll have all the answers in Tuesday's Basically .
Yorkshire pudding secrets from top Yorkshire chef in Cheap Eats
Anyone who makes their own Yorkshire puddings - or wants to - should check back on Wednesday morning as one of Yorkshire's top chefs, James Mackenzie from the Michelin-starred Pipe and Glass in South Dalton, picks his Cheap Eats in East Yorkshire and at home - revealing his secrets for perfect/huge Yorkies, including a common mistake many people make.
Everything to know about savings and mortgages
Every Thursday we hear from Savings Champion founder Anna Bowes, who offers some advice for making the most of your spare cash and reveals the best rates on the market right now. Then on Fridays we do similarly with mortgages, hearing from industry experts on what anyone seeking to borrow needs to know at the minute before rounding up the best rates with the help of the guys from Moneyfacts.
We've got lots of others tips and features planned for this week, so bookmark news.sky.com/money and check back from 7am each weekday - or 8am on Saturday for our weekend feature.
The Money blog is produced by the Sky News live team, with contributions from Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young, Ollie Cooper and Mark Wyatt, with sub-editing by Isobel Souster. It is edited by Jimmy Rice.
By Emily Mee , news reporter
Openly discussing how you split your finances with your partner feels pretty taboo - even among friends.
As a consequence, it can be difficult to know how to approach these conversations with our partner or what is largely considered fair - especially if there's a big imbalance salary-wise.
Research by Hargreaves Lansdown suggests in an average household with a couple, three-quarters of the income is earned by one person.
Even when there is a large disparity, some couples will want to pay the same amount on bills as they want to contribute equally.
But for others, one partner can feel resentful if they are spending all of their money on bills while the other has much more to spend and is living a different lifestyle as a result.
At what stage of the relationship can you talk about money?
"We've kind of formally agreed there is some point in a relationship you start talking about kids - there is no generally agreed time that we start talking about money," says Sarah Coles, head of personal finance at Hargreaves Lansdown.
Some couples may never get around to mentioning it, leading to "lopsided finances".
Ms Coles says if you want to keep on top of finances with your partner, you could set a specific date in the year that you go through it all.
"If it's in the diary and it's not emotional and it's not personal then you can properly go through it," she says.
"It's not a question of 'you need to pull more weight'. It's purely just this is what we've agreed, this is the maths and this is how we need to do that."
While many people start talking about finances around Christmas, Ms Coles suggests this can be a "trying time" for couples so February might be a "less emotional time to sit down".
How do you have the conversation if you feel the current arrangement is unfair?
Relationship counsellor at Relate , Peter Saddington, says that setting out the balance as "unfair" shouldn't be your starting point.
You need to be honest about your position, he says, but your conversation should be negotiating as a couple what works for both of you.
Before you have to jump into the conversation, think about:
- Letting your partner know in advance rather than springing it on them;
- Making sure you and your partner haven't drunk alcohol before having the conversation, as this can make it easy for it to spiral;
- Having all the facts to hand, so you know exactly how much you are spending;
- Using 'I' statements rather than 'you'. For example, you could say to your partner: "I'm really worried about my finances and I would like to sit down and talk about how we manage it. Can we plan a time when we can sit down and do it?"
Mr Saddington says if your partner is not willing to help, you should look at the reasons or question if there are other things in the relationship that need sorting out.
If you're having repeated arguments about money, he says you might have opposite communication styles causing you to "keep headbutting".
Another reason could be there is a "big resentment" lurking in the background - and it may be that you need a third party such as a counsellor, therapist or mediator to help resolve it.
Mr Saddington says there needs to be a "safe space" to have these conversations, and that a third party can help untangle resentments from what is happening now.
He also suggests considering both of your attitudes to money, which he says can be formed by your early life and your family.
"If you grew up in a family where there wasn't any money, or it wasn't talked about, or it was pushed that you save instead of spend, and the other person had the opposite, you can see where those conversations go horribly wrong.
"Understanding what influences each of you when it comes to money is important to do before you have significant conversations about it."
What are the different ways you can split your finances?
There's no one-size-fits-all approach, but there are several ways you can do it - with Money blog readers getting in touch to let us know their approach...
1. Separate personal accounts - both pay the same amount into a joint account regardless of income
Paul Fuller, 40, earns approximately £40,000 a year while his wife earns about £70,000.
They each have separate accounts, including savings accounts, but they pay the same amount (£900) each a month into a joint account to pay for their bills.
Paul says this pays for the things they both benefit from or have a responsibility for, but when it comes to other spending his wife should be able to spend as she likes.
"It's not for me to turn around to my wife and expect her to justify why she thinks it's appropriate to spend £150 in a hairdresser. She works her backside off and she has a very stressful job," he says.
However, their arrangement is still flexible. Their mortgage is going up by £350 a month soon, so his wife has agreed to pay £200 of that.
And if his wife wants a takeaway but he can't afford to pay for it, she'll say it's on her.
"Where a lot of people go wrong is being unable to have those conversations," says Paul.
2. Separate personal accounts - whoever earns the most puts more into a joint account
This is a more formal arrangement than the hybrid approach Paul and his wife use, and many Money blog readers seem to do this in one form or another judging by our inbox.
There's no right or wrong way to do the maths - you could both put in the same percentage of your individual salaries, or come up with a figure you think is fair, or ensure you're both left with the same amount of spending money after each payday.
3. Everything is shared
Gordon Hurd and his wife Brenda live by their spreadsheet.
Brenda earns about £800 more a month as she is working full-time while Gordon is freelance. Previously Gordon had been the breadwinner - so it's a big turnaround.
They each have separate accounts with different banks, but they can both access the two accounts.
How much is left in each account - and their incomings and outgoings - is all detailed in the spreadsheet, which is managed weekly.
Whenever they need to buy something, they can see how much is left in each account and pay from either one.
Gordon says this means "everyone knows how much is available" and "each person's money belongs to the other".
"We have never in the last decade had a single disagreement about money and that is because of this strategy," he says.
Money blog reader Shredder79 got in touch to say he takes a similar approach.
"I earn £50k and my wife earns just under £150k. We have one joint bank account that our wages go into and all our outgoings come out of. Some friends can't get their head around that but it's normal for us."
Another reader, Curtis, also puts his wages into a joint account with his wife.
"After all, when you have a family (three kids) it shouldn't matter who earns more or less!" he says.
Reader Alec goes further and says he questions "the authenticity of any long-term relationship or the certainly of a marriage if a couple does not completely share a bank account for all earnings and all outgoings".
"As for earning significantly more than the other, so what? If you are one couple or long-term partnership you are one team and you simply communicate and share everything," he says.
"Personally I couldn't imagine doing it any other way and I do instinctively wonder what issues or insecurities, whether it be in trust or something else, sit beneath the need to feel like you need to keep your finances separate from one another, especially if you are a married couple."
A reader going by the name lljdc agrees, saying: "I earn half of what my husband does because I work part-time. Neither of us has a solo account. We have one joint account and everything goes into this and we just spend it however we like. All bills come out of this too. Sometimes I spend more, sometimes he spends more."
4. Separate accounts - but the higher earner pays their partner an 'allowance'
If one partner is earning much more than the other, or one partner isn't earning for whatever reason, they could keep separate accounts and have the higher earner pay their partner an allowance.
This would see them transfer an agreed amount each week or month to their partner's account.
Let us know how you and your partner talk about and split finances in the comments box - we'll feature some of the best next week
The centre-point of a significant week in the economy was inflation data, released first thing on Wednesday, that showed price rises accelerated in July to 2.2%.
Economists attributed part of the rise to energy prices - which have fallen this year, but at a much slower rate than they did last year.
As our business correspondent Paul Kelso pointed out, it felt like the kind of mild fluctuation we can probably expect month to month now that sky high price hikes are behind us, though analysts do expect inflation to tick up further through the remainder of the year...
Underneath the bonnet, service inflation, taking in restaurants and hotels, dropped from 5.7% to 5.2%.
This is important because a large part of this is wages - and they've been a concern for the Bank of England as they plot a route for interest rates.
On Tuesday we learned average weekly earnings had also fallen - from 5.7% to 5.4% in the latest statistics.
High wages can be inflationary (1/ people have more to spend, 2/ employers might raise prices to cover staff costs), so any easing will only aid the case for a less restrictive monetary policy. Or, to put it in words most people use, the case for interest rate cuts.
Markets think there'll be two more cuts this year - nothing has changed there.
Away from the economy, official data also illustrated the pain being felt by renters across the UK.
The ONS said:
- Average UK private rents increased by 8.6% in the 12 months to July 2024, unchanged from in the 12 months to June 2024;
- Average rents increased to £1,319 (8.6%) in England, £748 (7.9%) in Wales, and £965 (8.2%) in Scotland;
- In Northern Ireland, average rents increased by 10% in the 12 months to May 2024;
- In England, rents inflation was highest in London (9.7%) and lowest in the North East (6.1%).
Yesterday, we found the UK economy grew 0.6% over three months to the end of June.
That growth rate was the second highest among the G7 group of industrialised nations - only the United States performed better with 0.7%, though Japan and Germany have yet to released their latest data.
Interestingly, there was no growth at all in June, the Office for National Statistics said, as businesses delayed purchases until after the general election.
"In a range of industries across the economy, businesses stated that customers were delaying placing orders until the outcome of the election was known," the ONS said.
Finally, a shout for this analysis from business presenter Ian King examining what's gone wrong at Asda. It's been one of our most read articles this week and is well worth five minutes of your Friday commute or weekend...
We're signing out of regular updates now until Monday - but do check out our weekend read from 8am on Saturday. This week we're examining how couples who earn different amounts split their finances.
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Russia Travel Insurance
Embarking on a journey to Russia requires more than just packing essentials; it entails thoughtful consideration of the unforeseen challenges that might arise. That’s where the importance of travel insurance for Russia comes to the forefront. This guide is your gateway to understanding the intricacies of securing the right insurance, covering everything from the mandatory insurance for the Russian visa application to comprehensive medical coverage within the vast expanse of the Russian Federation.
Whether you’re planning a cultural expedition, a business trip, or an adventure in Russia, having the appropriate travel insurance is not just advisable; it’s a prerequisite for a worry-free and well-prepared exploration. Join us as we navigate the landscape of travel insurance, shedding light on why it matters, what it should cover, and how you can tailor it to your specific needs when traveling to Russia.
Why Russia Travel Insurance?
Coverage Types
- Medical Coverage: Essential for unexpected health issues.
- Trip Cancellation: Protects against unforeseen events disrupting travel plans.
- Baggage Loss/Delay: Safeguards belongings during transit.
Exclusions and Limitations: Understanding the limitations and exclusions of a policy is crucial to ensure comprehensive coverage.
Why Travel Insurance Matters in Russia
- Unique Travel Challenges: Russia’s vastness and diverse activities present unique challenges that necessitate robust insurance coverage.
- Legal and Healthcare Considerations: Navigating Russia’s legal requirements and healthcare system underscores the importance of having reliable travel insurance.
Reasons To Buy Russia Travel Insurance From Any Country
Russia travel insurance is essential for anyone planning a visit to this vast and diverse country. Whether you’re travelling for leisure, business, or exploring the rich cultural heritage of the Russian Federation, having the right insurance coverage is crucial.
When obtaining a Russian visa, it’s a mandatory requirement to provide proof of medical insurance for the duration of your stay. This medical insurance for Russia, often referred to as travel medical insurance, ensures that you are financially protected in case of unexpected medical expenses during your trip.
Here are some key reasons to consider purchasing Russia travel insurance:
Mandatory for Russian Visa: To obtain a Russian visa, you will need to provide evidence of medical insurance coverage. This requirement is in place to ensure that visitors have access to adequate healthcare services while in the country.
Healthcare Expenses Coverage: In the event of a medical emergency or illness during your stay, having travel medical insurance ensures that your medical expenses will be covered, including hospitalization, doctor’s fees, and medication costs.
Compliance with Regulations: Having the appropriate insurance policy for Russia ensures that you comply with the regulations of the Russian Federation. Failure to provide the necessary documentation, including valid medical insurance, could result in difficulties during your travel.
Protection for the Unexpected: Travel insurance not only covers medical emergencies but also protects against unexpected events such as trip cancellations, lost baggage, or flight delays. This helps you minimize financial losses in unforeseen circumstances.
Peace of Mind: Knowing that you have comprehensive insurance coverage for the duration of your stay in Russia provides peace of mind. You can enjoy your trip with the confidence that you are protected against unforeseen events that may disrupt your plans.
Covers Various Aspects: A good Russia travel insurance policy should cover a range of aspects, including medical emergencies, trip cancellations, baggage loss, and more. This comprehensive coverage ensures that you are prepared for various situations that may arise during your travels.
Ease of Obtaining Treatment: With the right insurance, you can access quality healthcare facilities in Russia without worrying about the financial implications. This is especially important in a foreign country where navigating healthcare systems may be challenging.
Legal Requirements: Besides being a visa requirement, having the appropriate travel insurance is also a legal requirement in Russia. It is advisable to familiarize yourself with the specific insurance regulations of the Russian Federation to ensure compliance.
Russian Medical Insurance Requirements: Visa and Entry Information
When planning a trip to Russia, it is imperative to be aware of the visa and entry requirements, particularly the mandatory medical insurance. The Russian Federation stipulates that all visitors must have valid medical insurance coverage for the duration of their stay, and this requirement is closely tied to the visa application process.
Here’s a comprehensive guide to understanding the significance of medical insurance for Russia:
Russian Visa Application: To apply for a Russian visa, individuals must provide evidence of medical insurance coverage. This insurance, often referred to as travel medical insurance or Russian travel insurance, is a key component of the visa application process.
Mandatory Requirement: The medical insurance requirement is not just a formality; it is a mandatory provision enforced by the Russian government. This is in place to ensure that visitors have access to necessary medical services during their stay in the country.
Coverage for the Unexpected: Medical insurance for Russia goes beyond visa compliance; it serves as a safety net for unforeseen circumstances. In the event of a medical emergency, the insurance policy covers expenses such as hospitalization, doctor’s fees, and prescription medications.
Comprehensive Insurance Policies: When selecting a policy, ensure it provides comprehensive coverage, including not only medical emergencies but also other aspects like trip cancellations, lost baggage, or travel delays. This ensures holistic protection against various potential disruptions.
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Legal Compliance with the Russian Federation: Adhering to the medical insurance requirement is not just a matter of convenience but a legal obligation. Failure to provide proof of the necessary insurance may result in complications during the visa application process or upon entry into Russia.
Ensuring Health and Safety: Having valid medical insurance enhances the safety and well-being of travellers. It guarantees access to quality healthcare services in Russia, contributing to a smooth and secure travel experience.
Understanding the Insurance Policy: Before obtaining insurance, it’s crucial to understand the terms and conditions of the policy. Familiarize yourself with the coverage limits, inclusions, and exclusions to ensure that the insurance meets the specific requirements of the Russian Federation.
Peace of Mind for Travelers: Travelers can embark on their journey with confidence, knowing that they are adequately covered in case of any health-related contingencies. This peace of mind enhances the overall travel experience.
In summary, obtaining medical insurance in Russia is not just a visa prerequisite; it is a fundamental aspect of responsible travel planning. It ensures compliance with the regulations of the Russian Federation, provides financial protection in emergencies, and contributes to an overall safer and more enjoyable travel experience. Travelers are advised to carefully choose a suitable insurance policy that aligns with their needs and the specific requirements of their trip to Russia.
best places to visit in russia
Moscow is the capital and largest city of Russia and is set on the Moskva River in Central Russia.
Moscow’s importance to Russia goes well beyond its political significance. It is a city of more than 12 million people and is well known for its artistic endeavors, including ballet, symphonies, and art. Onion-shaped domes of historic churches fill the skyline, while the impressive Red Square, is one of the largest squares in the world. Other sights that shouldn’t be missed are the statues of Lenin and Stalin, controversial leaders in the 20th century. Further evidence that Moscow’s past wasn’t always squeaky clean can be seen in the Gulag and Cold War museums.
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Vladivostok
Vladivostok is the largest city and the administrative center of Primorsky Krai, Russia, located around the Golden Horn Bay.
The m ountains and bays surround ing Vladivostok, make it a stunningly beautiful city. Vladivostok is the last stop on the Trans-Siberian Railway and the country’s largest port on the Pacific Ocean. The city offers many cultural attractions from theaters to museums to concerts. Visitors usually want to take walks through some of the city’s lovely parks, including Minny Gorodok, which was once a military base. The city’s main square is Admiralsky Skver, with a museum devoted to a submarine nearby.
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Travel Insurance
Travel Insurance, Schengen visa travel insurance, Europe and Worldwide Single Trip and Multi-Trip Insurance policies.
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Protection for the Unexpected: Travel insurance not only covers medical emergencies but also protects against unexpected events such as trip cancellations, lost baggage, or flight delays.This helps you minimize financial losses in unforeseen circumstances. Peace of Mind: Knowing that you have comprehensive insurance coverage for the duration of your stay in Russia provides peace of mind.