Insurance against natural disasters?

The flights are finally booked, the hotels have been reviewed to death, my credit card bill has plenty of reading on it and I can almost smell the sun cream.

There is plenty of build up time between now and holidays to get excited, but there is also one small issue (or large depending on your outlook): travel insurance.

For some, travel insurance is a must, it is essential and is booked at the same time as flights are booked and hotels reviewed. And it makes sense of course, because things can go wrong and you could be left paying a whole load of money for that 'budget trip'.

But still I ponder.

If I was to take a short trip to the UK or Europe (under 5 days) there is no way I would take out travel insurance. I would think of insurance as a silly additional cost.

Flights are of course delayed – but only by a few hours usually and there are always plenty of flight options available. Medically as an EU citizen I know I will be treated without question. I don't have medical insurance at home – so why should I panic just because I am travelling?

I have of course taken out travel insurance for holidays before – because it make sense, it is a fail safe, a peace of mind – a fall back.

But when travelling to Cuba a few years ago I was told I would not be covered there. The trip went ahead successfully, with no problems.

Then last year I went on a cruise to Israel. It was only at the last minute I remembered travel insurance, I was sitting in the airport about to depart and it sparked with me. I consulted with my travel partner and we decided to go on ahead. Nothing bad happened. We enjoyed the trip. We didn't need travel insurance.

I know I have been lucky, I have never been stranded for days in an airport, left in hospital with serious injuries or had all my stuff stolen. I also know the other stories the scary ones about thousands of euro of legal fees, medial treatment.

Some insurance companies are now covering against natural disasters. But I feel like travel insurance is putting a downer on my hols:

Passport – check

Money – check

Suncream – check

Insurance in case my boyfriend dies in a horrible complicated accident – check

Is travel insurance essential. Pic: telegraph.co.uk

So travel insurance – is it really essential?

Flight cookies - not very yummy

My heart was beating fast, my sweaty palms held my credit card and I was about to explode with excitement as I finally got around to booking my flights to Egypt.

magic-horizon.com

But then, wait.

That's not the price - €30 jump in a matter of minutes. 

But I checked the price last week and twice today – just be sure.

Despair.

This is not God smiting me for my indecisiveness, this is for being too frugal, too careful. This punishment is for checking the flights costs, times, etc too many times.

I just want to board a plane.
(c) fifiheavey

My techie friends tell me that of course the more I search a certain flight on a particular date and time, the more demand it creates – putting the price up. 

That is fair enough, but:

“Some booking sites save your previous flight searches to figure out how badly you really want that flight – the more you search it , the more they increase the price.”- How cheeky.

The same sites can also increase prices after the date you have searched for to pressure you into thinking the price will increase if you wait to buy.

Outraged and a little sad that I had not just purchased the flight a week ago, I asked for help. 

The only tips I got were:

(A) Be more decisive – a personal weakness.

(B) Clear browser cookies each time you search a flight – making the sites think it is your first look every time.

Aeroplane cookie ...

To do this using Google chrome:

1- click the wrench icon on the tool bar

2- Select settings

4- In the privacy section, click content settings

5- In the cookies section – open the cookies and other data dialog

6- Remove all.

I did this and hurriedly checked the price again – no change. 

So maybe leave it a few days?

The flight is for October 1 – any advice on whether I should put off till later or just cave and buy now??

You can never beat the Irish

You can never beat the Irish.

Its a laughable statement, right?
 Ireland was the first team to be kicked out of the Euros 2012 with a 4-0 defeat to Spain.
Our country is a financial mess which requires handouts from everyone else.
There are flood warnings in June.
We are all poor.

But, despite all that. Pushing aside how much this wee country needed just one win at the Euros, just one small triumph. Looking past the fact that we are defeated, in almost ever possible sense. We achieved something magical in Gdansk, Poland.

As the eleven world class Spanish players celebrated the complete annihilation of their weaker opponent, they couldn't help but look confused. They had to stare up at the stadium of fans with some shock.
They deserved the celebration, they are world class. They make the game look beautiful.

And yet, it was to the booming Irish anthem of 'The Fields of Athenry' that they walked off the pitch.
The sound was amazing, it was a lament more than a celebration for Irish fans.
But the Irish went to Poland to support their team to fly their flags for Ireland and nothing, not a 4-0 defeat, not a rumour of another bail out was going to stop them doing that.

Were they angry at the Irish team's performance? Yes. Were they bitterly disappointed? Yes.
But the party must still go on.

For international readers, I wish I could explain, but I can't. Why we celebrated with the Croatian fans after a 3-1 defeat, why we partied with the Spanish or why will sing with the Italians.
We do it because we are Irish and - you can't beat us!