Monitoring Your Vital Signs While Travelling

No matter if it is the holiday season or the working days, people usually move round the world from one place to another for their own personal or business reasons. They might require to move in a car or an airplane as the means of transportation depending on how far the distance is. Travelling normally has different effects on different people, so it is important for one to be able to monitor all the vitals as they partake on the journey.

The main reason as to why they are supposed to monitor the vitals all the time as they travel is that, the oxygen level and pulse rate are the primary indicators of any disease that might be present in the body.

When the person who is travelling is aware of this two vitals, he may know how to maintain his health especially if he/she is sick prior from things worsening. Its normal for people who might be travelling not to get enough sleep or even have proper diet which is vital for the maintenance of proper health all the time.

You can be ale to measure your pulse and oxygen levels by the use of the pulse oximeters, this is the new technology that was introduced that assists a person to get fast and easy readings of the pulse rate and the oxygen levels.

Currently there are portable pulse oximeters all over the market that can assist you to get the right readings concerning your health, the goodness with this oximeters is that they do not have top be powered by electricity since they do not require a lot of energy, instead you can be able to use the battery to be able to power them,

This gadgets have been developed now on large scale mainly because, the demand for them has gone high especially with the reduction of the cost of obtaining one, hence good companies have been able to maintain the good quality of the machines even as they manufacture them in bulk.

Going on a vacation to one of the islands can be the best thing to do for yourself especially after having a busy time, nut if you are not in good health, chances of you enjoying the vacation are very minimal hence if we take advantage of the tools available for monitoring our health then we can enjoy our trips comfortably either when on leisure or doing business.

An innovation such as the oximeter has enabled us now to monitor our pulse and oxygen levels even when we are on the move.

Last Minute Travel Deals – Where to Find Them

There are times when you may have planned a trip well in advance, yet there may be other times that you require or simply want last minute travel deals. The reason that people choose to travel can be as varied as are people, but it has become easier for even the layperson to find last minute deals.

Whatever the reason, whether it is for business or pleasure, it pays to have done at least some research. The Internet has become the source for most people who are seeking last minute travel deals, and it is for good reason. If you are one of the many people interested in finding the best deal, and may need to travel on the spur of the moment, then this article is a good place to begin.

Even if one has an inkling that he or she will be traveling, he or she should have some background for the destination of travel. With this in mind, the potential traveler has another weapon in his or her arsenal with which to work.

The Internet is the perfect starting point to learn what is available in the way of hotels and accommodations in most desired locations, and with this knowledge, the person seeking to travel can look into finding the deal that best suits him or her.

There are many travel sites on the Internet that can help find deals. With the background information that the savvy traveler has learned by doing his or her homework, it is now time to work on looking for air travel and hotel combination offers.

There is any number of ways that travel sites will work to combine airfare and hotel prices to offer the best travel deals for the traveler. This is why it is so important to have as much information about the desired destination as possible.

Without a base of knowledge about what is available, the deal seeker is at the mercy of the travel site’s limited description, if there is one at all.

Armed with his or her background information and a general timeline, one who is seeking the best deals can begin the comparison process. If one knows what he or she is willing to pay, there are sites that will accept the traveler’s offer. Aside from those types of sites, those seeking to deals can find deals that suit him or her within the allotted budget, or he or she can adjust plans slightly to a similar destination in the absence of finding a suitable deal.

When one can anticipate last minute travel, it is relatively easy to find a better deal; however, the nature of last minute travel normally dictates quick action.

Even last minute travel allows for at least a little research, aided by the Internet. With this research and the flexibility to compromise somewhat, the traveler is sure to be able to find last minute travel deals to suit him or her.

A Few Insurance Points You Need When Planning Your Travels

Everyone should have a European Health Card, as it entitles you to basic medical care in all member states of the EU plus a few others with reciprocal agreements (but not, annoyingly, the Channel Islands). There is a temptation to think that if you are travelling to one of these countries you do not really need to buy normal travel insurance.

This is not necessarily a good idea – unless you are aware of the risk you are taking. The level of health care offered in Europe varies from country to country and, in many countries, you will have to pay for some things that would be free in Britain. If you need to be repatriated, you could face substantial costs – even buying an extra seat on an aircraft, if you break a leg, could cost you quite a large sum. Also, you will be missing all the normal travel insurance items such as cancellation cover, third-party liability (easily forgotten, but it can be very important in rare instances), baggage etc.

EHICPlus is an insurance designed to work as a top-up to the EHIC card. It gives cover for the standard travel items such as baggage mentioned above – but, often, for slightly lower limits than the more expensive normal policies. Repatriation is also covered. The medical section of the policy is limited to £2 million (compared to £5 million or £10 million for more expensive policies) and this pays for all the extras that are not covered by the state in whichever country you happen to fall ill (these can mount up since most countries make some form of charge for accommodation and medication as well as other items). There is no cover for treatment in private hospitals. In the event of an accident or going to a hospital, you have to insist that you are taken to a state hospital. As with a standard travel policy, there is a medical helpline and you must inform them immediately you go to hospital to ensure you are covered and they can agree your care and charges.

There are a number of disadvantages with this policy. First, the quality of medical care varies between European countries. In France, Germany, the Netherlands and some other countries, it is at least as good as Britain’s, but there are places where you really would not wish to subject yourself to a state hospital. Second, we are just a little concerned about the practicalities of having to insist to hotel staff when you have collapsed from food poisoning that you must have state treatment. Well-meaning hoteliers (or less-well-meaning ones on commission) may pack you off to a private hospital willy-nilly.

Obviously, the major advantage of the policy should be its price but, again, we are not fully convinced by this. An annual policy costs around £20 but there are standard policies on the market for less than £40 – and they cover more countries and offer full private health care.

The main market for this cover is probably older people, especially those who have some form of health condition that makes standard insurance unaffordable. The policy has no upper age limit but, like any other insurer, EHICPlus insists that you declare any existing illnesses and it will increase the premium to allow for these. However, since so much of the health risk is taken away, the level of increase should be much smaller than with a standard policy.

We feel that EHICPlus would be a false economy for most people. If age or your medical record, or both, mean that your travel insurance is too expensive and if you are going to one of the European countries with a good standard of state care, then it might be worth looking at this policy – providing you still get quotes from standard insurers for comparison and that you are visiting a European country with a satisfactory health service.

Note: Many standard travel policies will delete the deductible if you begin your health treatment in a state hospital or if you are able to claim back some of the costs using your EHIC. You should read your policy carefully to check what the specific requirements are.

o    If you are buying insurance to cover a single trip, as opposed to an annual, multi-trip policy, you should buy the policy as soon as you have spent a significant amount of money. Many people leave purchasing insurance until just before departure but they lose the benefit of the cover for cancellation. Obviously, if your flights and hotel are fully flexible, you have nothing to lose but it is more common to buy some form of fixed arrangement, which you would lose if you had to cancel.

o    Most travel policies specifically exclude losses when you are ‘under the influence’. The exact wording varies between insurers and so it is worth checking the specific exclusion in your policy. A few years ago, we mentioned the story of a lady who fell down the stairs at a villa in Florida. Presumably, the hospital noted that her breath smelled of alcohol (or perhaps she was very obviously drunk). The insurers were informed and refused to make a payment, leaving the lady with a medical bill of over £50,000. We doubt that many insurers would invoke the clause in normal circumstances, but they may well try to deny a claim for a lost wallet if you said you were in a nightclub at the time. Besides this, drinking and driving is not just a criminal offence in most countries but also almost certain to invalidate your insurance.

o    Annual multi-trip policies require that you inform the company immediately of any change to your health. If the application form asked you to confirm that you do not take any medication and you start to take some pills during the period of your insurance, you should inform the insurers, or they could reject a claim.

o    The duty of disclosure about your own health is normally extended to any relatives whose illness or death would require you to cut short your holiday. If your mother-in-law has a serious heart problem and suddenly has a heart attack while you are in California, it is quite unlikely the insurers will pay for your return home, unless you told them of her condition when you bought the policy.

o    The reciprocal health scheme with the Channel Islands expired in May. This has received very little publicity but means that anyone going to the Islands must have normal medical travel insurance. The Channel Islands are not in the EU; so your EHIC card is of no benefit.

o    Insurers will only accept liability for hospital costs from the time they have been contacted on the medical emergency helpline and approved the treatment. Obviously, it is unlikely you will have the presence of mind to call them from the back of an ambulance as you are whisked off to hospital with a heart attack, but you need to do this as soon as is practicable.