- MASTA
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Medical
Advisory Services For Travellers Abroad Ltd provides travellers with a Travellers Health Brief detailing recommended
immunisations, seasonal diseases, Malaria Prevention where applicable,
Latest Health News from the country to be visited and Foreign and Commonwealth
Office Travel Advice.
www.masta.org
London
mainline stations usually have an underground ticket and information office
where you can obtain a tube map and purchase one day travel cards which
allow travel on the underground and on the buses within various zones
numbered 1 to 6 and the higher the number the further out the travel card
covers. A Zones 1 & 2 travel card will allow travel throughout the
West End and City of London The cost in April 2002 was £4.10
New
York has a one day Metrocard available from subway stations which gives
unlimited travel on the buses and subway. In October2000 the price was $4.00
Gray
Line run New York Sightseeing tours which can be taken over two consecutive
days and cost $35 in October 2000. This is a hop on hop off tour so you
decide where you want to spend time and what you want to see from the
bus. They are mainly open topped double decker buses. The tour is in two
halves, the downtown loop takes about 3 hours and the uptown loop takes
about 2 hours. The trip covers from Battery Park in the south to 125th
Street (Harlem) in the north. The tours split at the Port Authority Bus
Terminal, not far from Times Square. There is a commentary throughout
the trip often with information you don't find in the guide books.
- ANNUAL TRAVEL INSURANCE
When taking out travel insurance check what is and is NOT covered. An annual
Personal Travel Insurance Policy was supposed to cover trips in the UK
as well as abroad. At the time of taking out the policy I said that I
travelled throughout the UK and stayed with family and friends and I was
assured that these trips would be covered.
A claim was rejected because "Trips within the United Kingdom are only covered if they are pre-booked
for a period of at least one night and are for leisure only. In the circumstances,
therefore, in order to consider your claim, we will require an Invoice/Reservation,
in writing, from the Hotel in London where you stayed."
In the definitions section of the policy "TRIP means the journey or holiday insured for which You have
paid the full insurance premium and which begins and ends in the United
Kingdom. If this policy has been validated as an Annual Multi Trip Policy,
You are insured for an unlimited number of Trips during the Annual Policy
period but only 17 days with regard to all Winter Sports. Trips lasting
31 days or 17 days for Winter Sports are not insured: No cover is given
beyond the expiry of the Annual Policy Period. If this Policy has been
validated as an Annual Multi Trip Policy, trips within the United Kingdom
are insured providing they are pre-booked for a period of at least one
night and are for leisure only."
No-where here or anywhere else within the Policy could I find the reference
that pre-booked meant IN AN HOTEL. I had booked with family and friends,
from different parts of the UK, to meet in London for a reunion and I
was to stay with family in London overnight.
I contacted the insurance company's customer services department who told me to appeal if I was not satisfied. I wrote to the company and said that I did not accept the rejected claim. They then advised me to contact the Financial Ombudsman Bureau, City Gate One, 135 Park Street, London, SE1 9EA quoting the Insurance Company, your policy number and the claim reference number and supplying full details of the claim and your reasons for the appeal.
You will be sent a form to complete and return to The Ombudsman. The claim will be looked at and they will decide if they feel that you have a case and how to deal with it.
In my case they upheld my complaint and returned the file to the insurance company to settle the claim and send a settlement cheque within one month with interest added from the date of the loss to the date of the payment.
- MEDICAL TREATMENT ABROAD AND FORM E111
The Form E111 is free from Post Offices. There is a form and a certificate at the back of the booklet Health Advice For Travellers and the Certificate needs to be completed and certified, usually at the Post Office. Form E111 is advertised as the passport to free or reduced-cost emergency medical treatment in most European countries.
People in the UK tend to forget that they may have to pay thousands of pounds in medical costs if they fall ill or have an accident outside this country. In many countries, even in the EU, you may not be covered for all the expenses you incur. In some countries you will have to pay for the treatment and then claim a refund before leaving the country.
You should carefully read the booklet BEFORE you leave on your trip so that you know what is covered and where to go for any treatment. Keep all receipts for treatment and medicines as some can be reclaimed, or a proportion can be reclaimed.
The cost of bringing a person back to the UK, in the event of illness or death, is never covered even under the reciprocal arrangements. Check what is covered in the reciprocal arrangement and then take out extra travel insurance to cover the areas that are not covered.
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