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Golf Travel Insurance - Is it Worth it?
Author: Ryan Dalli
We all love playing golf and if like me, your ideal holiday will be spent on foreign shores trying to improve your golf swing in the sunshine. Many of us may already have taken golf insurance to cover the cost of replacing our expensive clubs whilst travelling overseas, but what about taking out travel insurance for ourselves?
Whilst booking your golfing holiday it is inevitable that at some point you will be asked if you would like to take out travel insurance. We are all wary of being sold something by a pushy sales person trying to flog us a product that we don`t want or even need, but is travel insurance really worth it?
For many travel insurance is an unnecessary expense that does not need to be taken out. We have all been on holiday and have had a wonderful time without having to use travel insurance. However, we may have given ourselves a false sense of security by believing that accidents always happen to someone else. But, accidents can and will happen. It is estimated that around 12,000 golfing accidents happen each year, with 3,530 accidents of these accidents being head injuries.
According to a large Direct Line a UK insurer the cost of medical treatment abroad has been rising since 2007. The average claim in 2008 was £678 compared to £427 in 2007. This trend is likely to continue on for the foreseeable future.
Not only can an accident abroad have a serious effect on your golfing holiday experience, but it may well leave a very serious dent in your wallet.
There is the European Health Insurance card (EHIC) which is a replacement for the E111 for persons resident in the UK. The EHIC can be used to cover any medical treatment due to either an accident or illness within the European Economic Area (EEA). However, it may not provide you with all of the cover that you need. To quote the Department For Health "We recommend that you have private insurance as well as the EHIC, as the card does not cover all medical costs (eg repatriation)".
Let's say for example you can not make your scheduled flight home due to an accident or illness. The average cost for medical repatriation from a popular tourist destination such as Spain is £17,500 which will not be met under the EHIC scheme. This is a pretty hefty cost for most people to have to meet.
Luckily, golf travel insurance covers medical expenses and can cover legal expenses, personal possessions, loss of passports and tickets and more. Can we afford not to take out travel insurance?
If you are interested in golf travel insurance or would like to know more about golf insurance then please go to http://www.golfplan.co.uk for more details.
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