Travel medical insurance is a great idea anytime you travel to another country. It is just like regular health insurance, but it is meant to cover you in the specific country in which you will be spending some of your time. It can be either temporary or permanent, depending on your travel habits. Usually, to get insurance, a person has to pay a premium on a monthly basis to an insurance company, sometimes through an agent or middleman. In turn, the insurance company agrees to pay for any medical care the customer needs. Most companies have various insurance policies and schemes that are affordable, reliable and easy to buy. Medical insurance gives people the opportunity to share the burden of the medical costs by easy methods of paying premiums.
Travel medical insurance is meant for international travelers who have to go abroad quite often. There are a number of travel medical insurance companies that give support to thousands of traveling people on travel medical programs. These programs are meant to provide medical protection and assistance services in cases where people develop medical problems outside the country.
However, some of the salient features of the travel medical insurance schemes are that each and every such scheme has a hospital indemnity benefit of at least $100 per night for those traveling outside the US and Canada. They also pay about $15,000 in eligible medical expenses for pre-existing conditions. But this feature is only meant for the US citizens traveling outside the United States and Canada.
Medical Insurance provides detailed information on Medical Insurance, International Medical Insurance, Travel Medical Insurance, Major Medical Insurance and more. Medical Insurance is affiliated with Major Short Term Medical Insurance.
Article Source: http://EzineArticles.com/?expert=Elizabeth_Morgan
Family Travel Coverage
Family Travel Insurance Packages often provide savings to families helping them avoid high premiums and cost on single plans per individual. The family package includes children and both spouses. If the family has an ‘extended’ family, then the company will offer the “Extended Family” policies, or else the Group Travel Plans. For example, if your family has ten or more members, then the travel companies will rarely offer the family packages, since these policies will not cover this number of people.
Thus, if you do not have the extended plan then make sure you read the booklets provided by the company carefully to make sure that all the members in your family is covered during travel. Be advised that few Travel Insurance Agencies will attempt to instill in the minds of their customers that the policies are a “compulsory as part of an inclusive deal.” The concept is to get the customer to pay more for the policy while getting less coverage. Therefore, the booklet will have fine print and it is vital that you read the information carefully.
Customers are advised to keep an eye open when applying for Travel Insurance. The customers should carefully read all information to make sure they are receiving adequate coverage for the price paid. The booklets will itemize the stipulations, exclusions, and restrictions on each policy. Thus, few policies will not cover risky actions, including mountain climbing, diving out of plans, bungee jumping, or other dangerous activities. Few companies will not cover particular pregnancies, reoccurring treatments for terminal ills, age groups, and sporting risks.
The policies may not cover you if you use alcohol, drugs, or inflict injuries to self, HIV/AIDS, have a terminal illness not admitted when the policy was taking out, or if you falsely make claims that cannot be proving. Travel Insurance companies will handle each claim carefully, and they will look for false information, misleading information, risks, and so on before deciding if you qualify for a disembarrassment.
Therefore, customers should always read the information provided to them carefully, including the fine print to know where they stand. Be sure to take note of the exclusions, restrictions and stipulations laid out in the guides. Furthermore, if a claim is submitted and an accident caused the harm, then make sure you complete the claim, send receipts with the claim, and include medical reporting, tickets issued by the law, and police reporting to receive disbursement.
If you are a sport fans and engage in risky activities, such as bungee, diving, paragliding, mountain climbing, and so forth, then you may want to consider the Extreme Sports Insurance coverage. Since, these are voluntary risks; you may need coverage that will hold you up in the event you are hurt. The policies vary, and the price will depend on the events undertaking, the guiding principle, and the provisos. Again, you will need to read the information carefully to determine your coverage and costs. Since some Extreme Policies will outline few dangerous activities that it will cover, it is important to read to know what the policies will not cover. It would make no sense to take out the additional coverage if you are a bungee jumping and the policy will not cover you.
Families that vacation rarely go above and beyond putting their lives at risk, but it does happen. There are families that enjoy mountain climbing, and this is a dangerous sport, since anything can happen. However, camping can be a dangerous sport if you want to look at it realistically. Since, camping involves staying outdoors and if you are in the Western Hemisphere, you are subject to attack by the Wild Life.
Finally, Family Travel Insurance is essential when families travel, however, if you travel light, then the temp policies are often the choice. This plan will cover you during the trip and will often expire once the trip has come to the term of end. The Annual Plans are more for people that travel frequently, such as business personnel that travel often for business.
Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you're looking for!
Also you can check out Gabae Insurance Articles to find the articles' you're looking for!
Article Source: http://EzineArticles.com/?expert=Michael_Bens
Thus, if you do not have the extended plan then make sure you read the booklets provided by the company carefully to make sure that all the members in your family is covered during travel. Be advised that few Travel Insurance Agencies will attempt to instill in the minds of their customers that the policies are a “compulsory as part of an inclusive deal.” The concept is to get the customer to pay more for the policy while getting less coverage. Therefore, the booklet will have fine print and it is vital that you read the information carefully.
Customers are advised to keep an eye open when applying for Travel Insurance. The customers should carefully read all information to make sure they are receiving adequate coverage for the price paid. The booklets will itemize the stipulations, exclusions, and restrictions on each policy. Thus, few policies will not cover risky actions, including mountain climbing, diving out of plans, bungee jumping, or other dangerous activities. Few companies will not cover particular pregnancies, reoccurring treatments for terminal ills, age groups, and sporting risks.
The policies may not cover you if you use alcohol, drugs, or inflict injuries to self, HIV/AIDS, have a terminal illness not admitted when the policy was taking out, or if you falsely make claims that cannot be proving. Travel Insurance companies will handle each claim carefully, and they will look for false information, misleading information, risks, and so on before deciding if you qualify for a disembarrassment.
Therefore, customers should always read the information provided to them carefully, including the fine print to know where they stand. Be sure to take note of the exclusions, restrictions and stipulations laid out in the guides. Furthermore, if a claim is submitted and an accident caused the harm, then make sure you complete the claim, send receipts with the claim, and include medical reporting, tickets issued by the law, and police reporting to receive disbursement.
If you are a sport fans and engage in risky activities, such as bungee, diving, paragliding, mountain climbing, and so forth, then you may want to consider the Extreme Sports Insurance coverage. Since, these are voluntary risks; you may need coverage that will hold you up in the event you are hurt. The policies vary, and the price will depend on the events undertaking, the guiding principle, and the provisos. Again, you will need to read the information carefully to determine your coverage and costs. Since some Extreme Policies will outline few dangerous activities that it will cover, it is important to read to know what the policies will not cover. It would make no sense to take out the additional coverage if you are a bungee jumping and the policy will not cover you.
Families that vacation rarely go above and beyond putting their lives at risk, but it does happen. There are families that enjoy mountain climbing, and this is a dangerous sport, since anything can happen. However, camping can be a dangerous sport if you want to look at it realistically. Since, camping involves staying outdoors and if you are in the Western Hemisphere, you are subject to attack by the Wild Life.
Finally, Family Travel Insurance is essential when families travel, however, if you travel light, then the temp policies are often the choice. This plan will cover you during the trip and will often expire once the trip has come to the term of end. The Annual Plans are more for people that travel frequently, such as business personnel that travel often for business.
Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you're looking for!
Also you can check out Gabae Insurance Articles to find the articles' you're looking for!
Article Source: http://EzineArticles.com/?expert=Michael_Bens
Travel Insurance Cover
The world has undoubtedly turned itself into a mere devastative splurge of terrorist activities. As you step out from the domicile, life cannot follow its surety. The instances of 9/11, Egypt bombing, last year’s terrorist attack on London have highlighted the security factor out with great impetus. Seeking the present scenario of the rising violence across the globe, the globetrotters are really worried pertaining to their securities. Under the kind of situation, which we all belong to; the need for a promising travel insurance shield is somewhat the prerequisite these days. In the market various big brands are available with scores of travel insurance policies.
More to the security factor, the travel insurance policies also offer the most lost low rate premium payments and the best interest rates in comparison to all the other insurance policies available down in the market. So, if you do a frequent ramble around the world through out the year then stepping out without sleek travel insurance would be a foolish thing to do. But even if a person moves out only once or twice in a year; then also the option to carry a safety cover would be really nice. .
It doesn’t matter whether you are catching the sun across the beaches in Miami, or an adventurous flying alongside the rocking slopes in India. The travel insurance safety bag will lead you onto a worriless and a great holiday splash. Do you have an iota of idea of the cost that could cut all your savings to get you an emergency medical aid while you travel? The entire cost could be slash to a level if a person is having a travel insurance cover.
The various travel insurance cover is available for different kind of trips, Single Travel insurance cover, Multi-trip travel insurance, Winter sports, Gap Year travel insurance, and others. The diversification with this is to suit with all sorts of discerning needs of a traveller. But before putting for the one, it is pretty important to check for the comprehensive insurance cover. So before you take on an exclusive trip to any of your favourite destinations get it insured with the right cover and enjoy the trip free headedly.
Buy a travel insurance policy on your next holiday at Travel Insurance
Michelle John
Article Source: http://EzineArticles.com/?expert=Michelle_John
More to the security factor, the travel insurance policies also offer the most lost low rate premium payments and the best interest rates in comparison to all the other insurance policies available down in the market. So, if you do a frequent ramble around the world through out the year then stepping out without sleek travel insurance would be a foolish thing to do. But even if a person moves out only once or twice in a year; then also the option to carry a safety cover would be really nice. .
It doesn’t matter whether you are catching the sun across the beaches in Miami, or an adventurous flying alongside the rocking slopes in India. The travel insurance safety bag will lead you onto a worriless and a great holiday splash. Do you have an iota of idea of the cost that could cut all your savings to get you an emergency medical aid while you travel? The entire cost could be slash to a level if a person is having a travel insurance cover.
The various travel insurance cover is available for different kind of trips, Single Travel insurance cover, Multi-trip travel insurance, Winter sports, Gap Year travel insurance, and others. The diversification with this is to suit with all sorts of discerning needs of a traveller. But before putting for the one, it is pretty important to check for the comprehensive insurance cover. So before you take on an exclusive trip to any of your favourite destinations get it insured with the right cover and enjoy the trip free headedly.
Buy a travel insurance policy on your next holiday at Travel Insurance
Michelle John
Article Source: http://EzineArticles.com/?expert=Michelle_John
Annual Travel Insurance - Can You Save Money?
Most of us dream of being able to swap the 9 to 5 for a sunny beach somewhere, and usually we get the chance when the summer comes.
But, of course, the big 2 or so weeks away is an expensive exercise; flights, food, hotels, car hire, travel insurance, time off work. It soon adds up and so most of us can't really afford to do it more than once in a year (and if you've got kids - maybe not even that many!).
Personally, my mind is always dreaming of the next destination - and it used to really get me down, wishing I was soaking up the rays as the Caribbean Sea laps gently at the Barbados sand at my toes.
Then I discovered the "mini-break", the weekend away - and I can tell you I'm just annoyed that I didn't discover it earlier. All the same amount of fun, just squashed into a smaller amount of time. Cities in Spain, Portugal, and even Bulgaria have all been my destinations in the past year or so - and it meant I could try somewhere new without blowing my entire holiday budget on "the unknown" and perhaps not liking it. I can afford (just) to squeeze a few of these in to a year: they're ideal as they use little of your holiday time-off up (4 days can be spread over the Friday thru Monday - meaning you lose just two days!) and there's plenty of websites around with cut-price flights, hotels and car-hire - picking up a bargain feels great too.
The only thing is you need to buy travel insurance for every trip - and that's a pain! You need to find a travel insurance company, compare their prices for your particular trip, go through numerous questions, and... pay! That's where the savvy shopper in me comes out, a quick bit of math in my head worked out that I'd spent way more in my three or four individual holiday insurance policies than I would have if I'd got an Annual travel insurance policy... all the cover is exactly the same, and it also means that I can't forget to buy it before hand and have to get one of those expensive ones at the airport (or worse, forget altogether!)
For more information about their Annual Travel Insurance Policy.
To sum-up, Annual Travel Insurance can really be not only a cost-effective way of covering yourself and loved-ones, but also saves you the worry of organising it everytime you go away.
Paul Blue is a writer and traveller living in London, UK.
paul_blue@atlaschoice.com
http://www.atlasdirect.net
Article Source: http://EzineArticles.com/?expert=Paul_Blue
But, of course, the big 2 or so weeks away is an expensive exercise; flights, food, hotels, car hire, travel insurance, time off work. It soon adds up and so most of us can't really afford to do it more than once in a year (and if you've got kids - maybe not even that many!).
Personally, my mind is always dreaming of the next destination - and it used to really get me down, wishing I was soaking up the rays as the Caribbean Sea laps gently at the Barbados sand at my toes.
Then I discovered the "mini-break", the weekend away - and I can tell you I'm just annoyed that I didn't discover it earlier. All the same amount of fun, just squashed into a smaller amount of time. Cities in Spain, Portugal, and even Bulgaria have all been my destinations in the past year or so - and it meant I could try somewhere new without blowing my entire holiday budget on "the unknown" and perhaps not liking it. I can afford (just) to squeeze a few of these in to a year: they're ideal as they use little of your holiday time-off up (4 days can be spread over the Friday thru Monday - meaning you lose just two days!) and there's plenty of websites around with cut-price flights, hotels and car-hire - picking up a bargain feels great too.
The only thing is you need to buy travel insurance for every trip - and that's a pain! You need to find a travel insurance company, compare their prices for your particular trip, go through numerous questions, and... pay! That's where the savvy shopper in me comes out, a quick bit of math in my head worked out that I'd spent way more in my three or four individual holiday insurance policies than I would have if I'd got an Annual travel insurance policy... all the cover is exactly the same, and it also means that I can't forget to buy it before hand and have to get one of those expensive ones at the airport (or worse, forget altogether!)
For more information about their Annual Travel Insurance Policy.
To sum-up, Annual Travel Insurance can really be not only a cost-effective way of covering yourself and loved-ones, but also saves you the worry of organising it everytime you go away.
Paul Blue is a writer and traveller living in London, UK.
paul_blue@atlaschoice.com
http://www.atlasdirect.net
Article Source: http://EzineArticles.com/?expert=Paul_Blue
Business Insurance is Not an Option - It is a Necessity
A woman walks into the restaurant you own, and is tripped up by a nail sticking out of the floorboards. She seems fine, but a week later she is back with an attorney and a neck brace. Apparently she hit her head in that fall, and isn't doing so well. Or perhaps you are a mechanic and a customer wandered into your shop and cut his leg. Perhaps you own a pet store and a little girl got a nasty bite from sticking her fingers in the mouse cage. Whatever your business, liability is just a part of the cost of doing business.
It is almost impossible to run a business without liability insurance, and in many places it is a legal necessity as well. Business insurance covers liability cases so that a risk you cannot afford (like paying someone else's medical bills) is replaced by one that you can afford (such as a monthly premium).
Other types of liability include fire legal liability, which means that you are the liable party in the case of a fire. If you forget to turn of a space heater before you head home for the night and this results in damage to your landlord's property, then you are liable and the damages are covered by the fire legal liability part of your business insurance.
Liability is not the only type of insurance to be covered by business insurance. Business insurance can also function like a home owner's insurance policy for the office, protecting the building (if you own it) and the equipment and possessions that are inside. What responsible homeowner does not have his home protected against fire? Shouldn't the same precautions be taken for your business as well?
If your business were to be destroyed, a business insurance policy would cover things like desks, chairs, seating in your reception area, computers, equipment, and anything else of value that is a part of your business operation. Business insurance can also provide coverage against things like loss of income, earthquakes, and in some areas even flooding.
If a natural disaster takes your business away from you, then your business insurance policy is there like an umbrella, helping to protect you and your family from the losses and breaking your fall, so to speak. Your business insurance policy is there to help you rebuild and go on with your life.
If you are an employer, you are also required to have worker's compensation insurance. This insurance protects you in the event that one of your employees in injured on the job. Your insurance will pay for treatments for your injured employee.
Other insurance might include insurance for your company vehicles in the case of an uninsured or underinsured driver, health insurance for yourself and your employees, and life insurance. Taking good care of your employees and offering benefits to them is a sure way to attract and keep the best employees possible.
One little accident could just about destroy a small business unless that business is insured against the disaster. If you could prevent an emergency situation, why wouldn't you? Taking care to make sure that your business is insured properly and thoroughly is only one step toward running a successful business, but it is a vital one. Insurance is not an option, it is a necessity.
Get Your Insurance Guide Now. Find Out More Information about Different Types of Insurance such as Medical Home, Car, Dental, Term-life, Travel and Business Insurance.
Article Source: http://EzineArticles.com/?expert=Casey_Yew
It is almost impossible to run a business without liability insurance, and in many places it is a legal necessity as well. Business insurance covers liability cases so that a risk you cannot afford (like paying someone else's medical bills) is replaced by one that you can afford (such as a monthly premium).
Other types of liability include fire legal liability, which means that you are the liable party in the case of a fire. If you forget to turn of a space heater before you head home for the night and this results in damage to your landlord's property, then you are liable and the damages are covered by the fire legal liability part of your business insurance.
Liability is not the only type of insurance to be covered by business insurance. Business insurance can also function like a home owner's insurance policy for the office, protecting the building (if you own it) and the equipment and possessions that are inside. What responsible homeowner does not have his home protected against fire? Shouldn't the same precautions be taken for your business as well?
If your business were to be destroyed, a business insurance policy would cover things like desks, chairs, seating in your reception area, computers, equipment, and anything else of value that is a part of your business operation. Business insurance can also provide coverage against things like loss of income, earthquakes, and in some areas even flooding.
If a natural disaster takes your business away from you, then your business insurance policy is there like an umbrella, helping to protect you and your family from the losses and breaking your fall, so to speak. Your business insurance policy is there to help you rebuild and go on with your life.
If you are an employer, you are also required to have worker's compensation insurance. This insurance protects you in the event that one of your employees in injured on the job. Your insurance will pay for treatments for your injured employee.
Other insurance might include insurance for your company vehicles in the case of an uninsured or underinsured driver, health insurance for yourself and your employees, and life insurance. Taking good care of your employees and offering benefits to them is a sure way to attract and keep the best employees possible.
One little accident could just about destroy a small business unless that business is insured against the disaster. If you could prevent an emergency situation, why wouldn't you? Taking care to make sure that your business is insured properly and thoroughly is only one step toward running a successful business, but it is a vital one. Insurance is not an option, it is a necessity.
Get Your Insurance Guide Now. Find Out More Information about Different Types of Insurance such as Medical Home, Car, Dental, Term-life, Travel and Business Insurance.
Article Source: http://EzineArticles.com/?expert=Casey_Yew
Travel Accident Insurance Explained
Uncertainty is a part of life. What tomorrow holds in store nobody knows. However the risk of uncertainty can be reduced by insurance. This is especially true in case of travel accident insurance. Any experienced traveler can tell about the uncertainties and risks in long distance travel. Accidents, illness, injury, natural calamities, terrorist attacks, flight crashes have become part of everyday life today. What travel accident insurance can do is reduce the financial burden incase of such calamities.
When buying a travel accident insurance policy few things need to be kept in mind.
Bundled policy - Usually travel accident insurance comes bundled with family travel benefits, repatriation of mortal remains in case of death, accidental death and loss of limbs or dismemberments, medical evacuation, global medical insurance, trip cancellation/interruption insurance.
Accidents - Generally accident coverage provides for accidental death in vehicles, flight crashes, loss of organs like hands, legs or eyes etc. For these a principal sum benefit of about 25,000$ to 100,000$ is given by the travel insurance company.
Exclusion - Always read the fine print. Accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. that means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
Family Insurance - Buying insurance for a group usually a family, works out cheaper than for individuals.
Purchasing Online - Purchasing travel insurance online works out cheaper than through an agent because you do not have to pay to the agent. This usually reduces the cost of the policy between 5% to 20%.
There are other things like deductibles, co-insurance, benefit period etc which need to be studied carefully before purchasing a travel accident insurance policy.
We offer the travel insurance online best source. Find all about travel insurance on the travel accident insurance policy guide . http://www.lowcost-travel-insurance.info – Your place for travel insurance
Article Source: http://EzineArticles.com/?expert=Oliver_Turner
When buying a travel accident insurance policy few things need to be kept in mind.
Bundled policy - Usually travel accident insurance comes bundled with family travel benefits, repatriation of mortal remains in case of death, accidental death and loss of limbs or dismemberments, medical evacuation, global medical insurance, trip cancellation/interruption insurance.
Accidents - Generally accident coverage provides for accidental death in vehicles, flight crashes, loss of organs like hands, legs or eyes etc. For these a principal sum benefit of about 25,000$ to 100,000$ is given by the travel insurance company.
Exclusion - Always read the fine print. Accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. that means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
Family Insurance - Buying insurance for a group usually a family, works out cheaper than for individuals.
Purchasing Online - Purchasing travel insurance online works out cheaper than through an agent because you do not have to pay to the agent. This usually reduces the cost of the policy between 5% to 20%.
There are other things like deductibles, co-insurance, benefit period etc which need to be studied carefully before purchasing a travel accident insurance policy.
We offer the travel insurance online best source. Find all about travel insurance on the travel accident insurance policy guide . http://www.lowcost-travel-insurance.info – Your place for travel insurance
Article Source: http://EzineArticles.com/?expert=Oliver_Turner
Tips for Hassle Free Travel Insurance
Travel insurance is often an after thought when booking a trip but can be a life saver if things go wrong, especially if you're half way around the world when it does.
At the very least a good travel insurance policy buys you a little extra peace of mind. But is it a false sense of security? With travel insurance companies estimating that up to 10% of claims are fraudulent, how can you ensure that any legitimate claim you make is taken seriously and paid out in full?
TIP 1. Take a closer look before you buyMany people assume that there's little difference between most travel insurance policies. In reality, the quality of cover, options included and excesses you'll have to pay will vary. This might seem trivial now but will be crucial should you need to claim.
A lot of disputes arise because people think they're covered and discover too late that they're not.
So before you simply opt for the cheapest premium, take a closer look and make sure you're comparing like with like. In particular, be sure to check:
•Policy excess: don't just compare premiums check how much of a claim you would have to pay. If the excess is £50 per item that means you have to pay the first £50 of any claim for each item you are claiming for.•The maximum you claim for individual items.•The level of medical protection you have, particularly in countries like the USA where medical costs can be higher.•What you're not covered for such as pre-existing medical conditions.•If you're covered for lost or stolen cash and how much.•If loss is covered as well as theft.•If 24-hour emergency assistance is included or optional.
A comprehensive list of insurers can be found in the Travel Insurance Index.
TIP 2. Disclose any existing medical conditionsYour travel insurance policy is a contract between you and the insurance company based upon "utmost good faith". As such you have a duty to disclose anything that may affect the acceptance or terms of a policy, any exclusions or its price.
Be completely open and honest about your medical history and any activities you're likely to take part in, whether you think they're risky or not. As with any insurance policy; if in doubt declare it anyway. One of the most common defenses made by insurers when declining a claim is that information was not discolsed or not correctly disclosed. Declare everything and document it.
TIP 3. Take a copy document with youMost good policy travel insurance documents will confirm the claim procedures to follow in the event of theft or loss, what you are covered for and most importantly who to call in an emergency. Having this information to hand can save a lot of unecessary stress if you need help whilst away.
TIP 4. Document any valuable itemsTake photo's and keep receipts for expensive items such as jewellery or cameras you plan to take with you on holiday. Having proof helps enormously if you claim for these high value items.
TIP 5. Report any thefts or losses quicklyAny losses or thefts should be reported immediately to the local police. Get an accident report number or similar documentary proof that you've officially reported the loss and if you're on a package holiday, again quickly report the situation to the hotel or travel company rep.
If your bag is lost, stolen or damaged at the airport, report it immediately and get a receipt from the airline or baggage handler.
TIP 6. Be prepared for medical claimsThe old E111 forms have now been replaced by the European Health Insurance Card (EHIC) which entitles the holder to free medical treatment within Europe equivalent to that available on the NHS. Application forms are available from Post Offices and should be submitted at least ten days before you travel. This is based upon agreements between EU countries and qualifies visitors for the same medical treatment as local citizens.
Before you leave check your policy document or contact the insurer to confirm what precise steps your insurance company requires you to take in a medical emergency. If you have to buy any treatments or medicines, again keep receipts and original prescriptions if possible.
TIP 7. When you get homeIf you need to make a claim, examine the small print, contact your insurer and work out what you can claim for. Gather and submit all supporting documentation via recorded delivery (keeping copies for yourself) as evidence of your claim. Submit receipts, photographs and copies of any police or medical reports you have received.
Keep copies all correspondence and make detailed records of every phone call, including the name of the person you spoke with and the time of your call.
TIP 8. What if your claim is declined?Your claim could be declined by the insurer for many reasons. For example most policies won't cover alcohol-related incidents and like all insurance you must take 'reasonable' care of your belongings.
Your first step is to appeal against the decision providing detailed and specific points for your arguement backed up by any additional evidence. If you feel you have been poorly treated you can take your case to the Financial Ombudsman Service.
Copyright © UK Travel Insurance Company Index - http://www.uk-insurance-index.co.uk All rights reserved. Permission is granted to publish this article online provided that the article and this copyright statement remain unchanged with live links.
Article Source: http://EzineArticles.com/?expert=Simon_Markham
At the very least a good travel insurance policy buys you a little extra peace of mind. But is it a false sense of security? With travel insurance companies estimating that up to 10% of claims are fraudulent, how can you ensure that any legitimate claim you make is taken seriously and paid out in full?
TIP 1. Take a closer look before you buyMany people assume that there's little difference between most travel insurance policies. In reality, the quality of cover, options included and excesses you'll have to pay will vary. This might seem trivial now but will be crucial should you need to claim.
A lot of disputes arise because people think they're covered and discover too late that they're not.
So before you simply opt for the cheapest premium, take a closer look and make sure you're comparing like with like. In particular, be sure to check:
•Policy excess: don't just compare premiums check how much of a claim you would have to pay. If the excess is £50 per item that means you have to pay the first £50 of any claim for each item you are claiming for.•The maximum you claim for individual items.•The level of medical protection you have, particularly in countries like the USA where medical costs can be higher.•What you're not covered for such as pre-existing medical conditions.•If you're covered for lost or stolen cash and how much.•If loss is covered as well as theft.•If 24-hour emergency assistance is included or optional.
A comprehensive list of insurers can be found in the Travel Insurance Index.
TIP 2. Disclose any existing medical conditionsYour travel insurance policy is a contract between you and the insurance company based upon "utmost good faith". As such you have a duty to disclose anything that may affect the acceptance or terms of a policy, any exclusions or its price.
Be completely open and honest about your medical history and any activities you're likely to take part in, whether you think they're risky or not. As with any insurance policy; if in doubt declare it anyway. One of the most common defenses made by insurers when declining a claim is that information was not discolsed or not correctly disclosed. Declare everything and document it.
TIP 3. Take a copy document with youMost good policy travel insurance documents will confirm the claim procedures to follow in the event of theft or loss, what you are covered for and most importantly who to call in an emergency. Having this information to hand can save a lot of unecessary stress if you need help whilst away.
TIP 4. Document any valuable itemsTake photo's and keep receipts for expensive items such as jewellery or cameras you plan to take with you on holiday. Having proof helps enormously if you claim for these high value items.
TIP 5. Report any thefts or losses quicklyAny losses or thefts should be reported immediately to the local police. Get an accident report number or similar documentary proof that you've officially reported the loss and if you're on a package holiday, again quickly report the situation to the hotel or travel company rep.
If your bag is lost, stolen or damaged at the airport, report it immediately and get a receipt from the airline or baggage handler.
TIP 6. Be prepared for medical claimsThe old E111 forms have now been replaced by the European Health Insurance Card (EHIC) which entitles the holder to free medical treatment within Europe equivalent to that available on the NHS. Application forms are available from Post Offices and should be submitted at least ten days before you travel. This is based upon agreements between EU countries and qualifies visitors for the same medical treatment as local citizens.
Before you leave check your policy document or contact the insurer to confirm what precise steps your insurance company requires you to take in a medical emergency. If you have to buy any treatments or medicines, again keep receipts and original prescriptions if possible.
TIP 7. When you get homeIf you need to make a claim, examine the small print, contact your insurer and work out what you can claim for. Gather and submit all supporting documentation via recorded delivery (keeping copies for yourself) as evidence of your claim. Submit receipts, photographs and copies of any police or medical reports you have received.
Keep copies all correspondence and make detailed records of every phone call, including the name of the person you spoke with and the time of your call.
TIP 8. What if your claim is declined?Your claim could be declined by the insurer for many reasons. For example most policies won't cover alcohol-related incidents and like all insurance you must take 'reasonable' care of your belongings.
Your first step is to appeal against the decision providing detailed and specific points for your arguement backed up by any additional evidence. If you feel you have been poorly treated you can take your case to the Financial Ombudsman Service.
Copyright © UK Travel Insurance Company Index - http://www.uk-insurance-index.co.uk All rights reserved. Permission is granted to publish this article online provided that the article and this copyright statement remain unchanged with live links.
Article Source: http://EzineArticles.com/?expert=Simon_Markham
Travel Insurance For That Perfect Trip Rather Than The Holiday From Hell
If you have ever fallen ill while on holiday, or just prior to setting off on that cruise of a lifetime, then you will know only too well the true value of health insurance. Whether you are going to be away for just a few day or several weeks, the cost of medical care when you are away from home can be crippling and it is no good waiting until you are far from home and fall ill before you start thinking about how you will pay your medical expenses.
But just what does travel insurance cover and when do I really need it?
Travel insurance is an insurance plan which you can buy prior to your departure which will cover you for various things, whether medical or not, in the run-up to your trip and while you are away. This type of insurance can be expensive so you need to take a few things into consideration before you buy it.
For example, if you are going on a short trip to a destination with good low cost health facilities that only requires one round-trip airline ticket of $200 then travel health insurance might be overkill. Your financial losses if you are forced to cancel the trip may be relatively low and the cost of medical care while you are away, or of getting you back home, may again not be too great. You will need to look at this carefully and decide whether or not the risk is sufficient to justify the cost of travel insurance. On the other hand, if you have booked a $5,000 once-in-a-lifetime cruise well in advance, then travel health insurance will almost certainly make sense.
A good travel health insurance policy should offer a range of coverage, possibly for the period prior to your trip and certainly throughout the time that you are traveling and whilst you are at your destination. It should cover you for personal injury or death and should cover the costs of all medical-related expenses you incur while on your trip. Travel health insurance plans can also cover you for the cost of being brought home should this prove necessary following an accident or illness.
If you are visiting a country where medical facilities and experience are limited then you should also make sure that your policy covers you for transportation to a third country where you can receive proper medical care.
Before purchasing a specific health insurance plan for your trip you should first check the coverage provided by your regular health insurance plan. It may be possible to extend the cover on your regular policy for your trip or you may already have some cover and only require a additional top-up policy.
Once you know exactly what you need, you can purchase travel health insurance from your tour operator, a travel agent, or an independent insurance agent. Whichever you choose you should bear in mind that, while the independent insurance agents may be a little bit more expensive, you will not have to worry about your tour operator going out of business and failing to honor your travel insurance policy.
Although we never imagine that anything is going to happen to us and that our vacation will be just fine, unfortunately evidence shows all too clearly that many people set off on a trip without adequate cover and in next to no time find themselves is a terrible mess.
So, before you set off on your next trip sit down and think carefully about whether or not you need travel health insurance. It may well be money that you don't want to spend, but it could also be the best investment you've ever made.
If you are looking for any form of health insurance from low cost health insurance to expat health insurance plans then start your search right here on the internet where you have a wealth of information right at you fingertips.
Article Source: http://EzineArticles.com/?expert=Donald_Saunders
But just what does travel insurance cover and when do I really need it?
Travel insurance is an insurance plan which you can buy prior to your departure which will cover you for various things, whether medical or not, in the run-up to your trip and while you are away. This type of insurance can be expensive so you need to take a few things into consideration before you buy it.
For example, if you are going on a short trip to a destination with good low cost health facilities that only requires one round-trip airline ticket of $200 then travel health insurance might be overkill. Your financial losses if you are forced to cancel the trip may be relatively low and the cost of medical care while you are away, or of getting you back home, may again not be too great. You will need to look at this carefully and decide whether or not the risk is sufficient to justify the cost of travel insurance. On the other hand, if you have booked a $5,000 once-in-a-lifetime cruise well in advance, then travel health insurance will almost certainly make sense.
A good travel health insurance policy should offer a range of coverage, possibly for the period prior to your trip and certainly throughout the time that you are traveling and whilst you are at your destination. It should cover you for personal injury or death and should cover the costs of all medical-related expenses you incur while on your trip. Travel health insurance plans can also cover you for the cost of being brought home should this prove necessary following an accident or illness.
If you are visiting a country where medical facilities and experience are limited then you should also make sure that your policy covers you for transportation to a third country where you can receive proper medical care.
Before purchasing a specific health insurance plan for your trip you should first check the coverage provided by your regular health insurance plan. It may be possible to extend the cover on your regular policy for your trip or you may already have some cover and only require a additional top-up policy.
Once you know exactly what you need, you can purchase travel health insurance from your tour operator, a travel agent, or an independent insurance agent. Whichever you choose you should bear in mind that, while the independent insurance agents may be a little bit more expensive, you will not have to worry about your tour operator going out of business and failing to honor your travel insurance policy.
Although we never imagine that anything is going to happen to us and that our vacation will be just fine, unfortunately evidence shows all too clearly that many people set off on a trip without adequate cover and in next to no time find themselves is a terrible mess.
So, before you set off on your next trip sit down and think carefully about whether or not you need travel health insurance. It may well be money that you don't want to spend, but it could also be the best investment you've ever made.
If you are looking for any form of health insurance from low cost health insurance to expat health insurance plans then start your search right here on the internet where you have a wealth of information right at you fingertips.
Article Source: http://EzineArticles.com/?expert=Donald_Saunders
The Benefits of Holiday Travel Insurance
Tourism is a growing industry worldwide. So are undesirable things like terrorism, flight crashes, accidents, wars, disease, natural calamities etc. Any experienced traveler can tell you that travel is full of uncertainties. But it is not possible to sit at home afraid of calamities. Holiday travel insurance is one way of mitigating the financial risk of such unforeseen events or calamities.
There are a variety of holiday travel insurance policies available today on the internet or the market. It is easy to get confused with so many offers. However most holiday travel insurance policies have certain basic benefits which are common. Holiday travel insurance policies usually provide coverage for:
Trip cancellation/interruptions. Trip cancellation/interruptions due to a variety of reasons like death of an immediate family member, weather, sudden illness, bankruptcy of airliner, jury duty, terrorist activities etc.
Medical costs. Costs incurred for doctor visits, medicines, treatment, surgery etc and some policies even provide coverage for costs of medical evacuation to nearest medical facility.
Accidents. Accidents or calamities like earthquakes, tsunami, storms etc and the related costs. Some policies also provide vehicle accident costs. These are especially useful when going for a driving holiday to a foreign country. Most of your regular policies for auto insurance only provide insurance within the United States and do not provide for accidents out of the US.
Baggage Loss. Costs incurred for loss of baggage and valuable is also covered by most travel insurance policies. These are especially useful when going out for a shopping holiday for antiques, valuables, jewelry or electronics.
All the above-mentioned costs are borne by the travel insurance company depending upon the travel insurance policy. Before purchasing the policy read the fine print carefully, especially the parts covering, deductibles, co-insurance, specific limits, exclusions, hotline numbers and emergency services. Purchasing a policy for a family works out cheaper. Purchasing a policy online also works out cheaper as you do not have to pay for the insurance agent.
We are holiday travel insurance experts. Find all about travel insurance on the travel insurance policy guide . http://www.lowcost-travel-insurance.info – Your place for travel insurance
Article Source: http://EzineArticles.com/?expert=Oliver_Turner
There are a variety of holiday travel insurance policies available today on the internet or the market. It is easy to get confused with so many offers. However most holiday travel insurance policies have certain basic benefits which are common. Holiday travel insurance policies usually provide coverage for:
Trip cancellation/interruptions. Trip cancellation/interruptions due to a variety of reasons like death of an immediate family member, weather, sudden illness, bankruptcy of airliner, jury duty, terrorist activities etc.
Medical costs. Costs incurred for doctor visits, medicines, treatment, surgery etc and some policies even provide coverage for costs of medical evacuation to nearest medical facility.
Accidents. Accidents or calamities like earthquakes, tsunami, storms etc and the related costs. Some policies also provide vehicle accident costs. These are especially useful when going for a driving holiday to a foreign country. Most of your regular policies for auto insurance only provide insurance within the United States and do not provide for accidents out of the US.
Baggage Loss. Costs incurred for loss of baggage and valuable is also covered by most travel insurance policies. These are especially useful when going out for a shopping holiday for antiques, valuables, jewelry or electronics.
All the above-mentioned costs are borne by the travel insurance company depending upon the travel insurance policy. Before purchasing the policy read the fine print carefully, especially the parts covering, deductibles, co-insurance, specific limits, exclusions, hotline numbers and emergency services. Purchasing a policy for a family works out cheaper. Purchasing a policy online also works out cheaper as you do not have to pay for the insurance agent.
We are holiday travel insurance experts. Find all about travel insurance on the travel insurance policy guide . http://www.lowcost-travel-insurance.info – Your place for travel insurance
Article Source: http://EzineArticles.com/?expert=Oliver_Turner
Travel Health Insurance
Travel health insurance is a type of insurance which provides health insurance coverage during traveling, usually in a foreign country. In this the insured pays an amount called the premium to the travel insurance company for the coverage. The coverage usually provides coverage for medical costs incurred during travel and in some cases also covers medical evacuation.
Travel health insurance usually comes bundled up with trip interruption/cancellation insurance, travel accident insurance, baggage loss, emergency evacuation and medical expenses coverage. The usual premium is about 200$ annually. However the premium depends a lot on your age, cost of trip (for single trip insurance coverage), the distance of trip, the nation to which the trip is being made, any preexisting health conditions etc. Some travel health insurance plans also cover accidental deaths and flight accidental death.
The plans that cover the medical costs on your trip include medical expenses, dental expenses, cost of treatment and cost of medicines. These covers come attached with lot of conditions like if you take medicines from unconventional medical sources like acupuncturists or ayurvedic treatment, the costs will not be reimbursed.
However if you are already covered by a health insurance, it is prudent to check whether it covers outside the United States or whether it provides only for emergencies.
Medical Evacuation: travel health insurance provides for medical evacuation to nearest qualified medical health facility. Here the catch is nearest medical health facility and not to the US. So if you are traveling in an underdeveloped country, you may be forced to take medical treatment at a facility decided by the insurance company and is not decided by you. The treatment in the US is one of the best and other countries including Europe have a higher surgical mortality rate.
Repatriation of mortal remains. In case of death the travel health insurance company will bear the cost of returning the mortal remains of the insured.
There are other conditions like co-insurance, deductibles, exclusion, benefit period, pre-existing conditions etc which have to be carefully studied before buying a travel health insurance policy.
We offer the travel health insurance best source. Find all about travel insurance on the travel health insurance policy guide
http://www.lowcost-travel-insurance.info – Your place for travel insurance
Article Source: http://EzineArticles.com/?expert=Oliver_Turner
Travel health insurance usually comes bundled up with trip interruption/cancellation insurance, travel accident insurance, baggage loss, emergency evacuation and medical expenses coverage. The usual premium is about 200$ annually. However the premium depends a lot on your age, cost of trip (for single trip insurance coverage), the distance of trip, the nation to which the trip is being made, any preexisting health conditions etc. Some travel health insurance plans also cover accidental deaths and flight accidental death.
The plans that cover the medical costs on your trip include medical expenses, dental expenses, cost of treatment and cost of medicines. These covers come attached with lot of conditions like if you take medicines from unconventional medical sources like acupuncturists or ayurvedic treatment, the costs will not be reimbursed.
However if you are already covered by a health insurance, it is prudent to check whether it covers outside the United States or whether it provides only for emergencies.
Medical Evacuation: travel health insurance provides for medical evacuation to nearest qualified medical health facility. Here the catch is nearest medical health facility and not to the US. So if you are traveling in an underdeveloped country, you may be forced to take medical treatment at a facility decided by the insurance company and is not decided by you. The treatment in the US is one of the best and other countries including Europe have a higher surgical mortality rate.
Repatriation of mortal remains. In case of death the travel health insurance company will bear the cost of returning the mortal remains of the insured.
There are other conditions like co-insurance, deductibles, exclusion, benefit period, pre-existing conditions etc which have to be carefully studied before buying a travel health insurance policy.
We offer the travel health insurance best source. Find all about travel insurance on the travel health insurance policy guide
http://www.lowcost-travel-insurance.info – Your place for travel insurance
Article Source: http://EzineArticles.com/?expert=Oliver_Turner
Which Travel Insurance Should You Purchase?
No matter how much effort you have put into planning your vacation and taking all necessary precautions, you can never predict what will be in store during the trip. Severe illness, accident, robbery, natural disaster etc. may happen unexpectedly and spoil the fun of your long awaited vacation. Above all your hard earned money will all be wasted due to these unforeseen situations. But comprehensive travel insurance will help you to deal with these difficult situations abroad without using up a chunk of your money.
Below are some of the major types of travel insurance available that you can choose from to fit your needs.
Single Trip Travel Insurance
If you are not a frequent traveler, this insurance is ideal for you as it provides coverage for a specific trip.
Annual Travel Insurance or Multi-Trip Travel Insurance
If you generally take more than one trip per year, the most convenient and cost effective solution is the annual travel insurance. This insurance will provide coverage for multiple trips all through the year. While this travel insurance policy covers unlimited holidays, other policies may cover only a specific trip length spanning over 21, 30 or 45 days.
Family Travel Insurance
If you are traveling with quite a large group of people including for example your wife and children as well as your parents, you should opt for family travel insurance. The greatest advantage of this policy is that it covers all the members as a whole and you do not have to buy separate policies for each member. The family travel policies come with different types of premium. Some policies set their premium amount according to the number of children in the family or other factors such as whether the family is a single parent family etc. Then there are other types of family policies that charge you a premium at a flat rate without taking into consideration the number of children or other factors. If your family is quite big, you should opt for the second type of family travel insurance.
Business Travel Insurance
Business travel insurance is a type of multiple travel insurance based on the assumption that you travel a number of times all through the year as part of your job. This insurance is tailored according to the needs of the typical business traveler. A unique feature of the business travel insurance includes colleague replacement coverage that allows the company to replace another employee in your place in case you cannot make the trip due to any emergency.
Shop around on the internet to get the best travel insurance quotes, and purchase a policy that suits your particular needs. But never forget to go through the terms and conditions in details to know what is covered and what is excluded by the travel insurance policy.
For more on Travel Insurance and Travel Insurance Policy go to BestTravelInsurance.info.
Article Source: http://EzineArticles.com/?expert=Susan_Chen
Below are some of the major types of travel insurance available that you can choose from to fit your needs.
Single Trip Travel Insurance
If you are not a frequent traveler, this insurance is ideal for you as it provides coverage for a specific trip.
Annual Travel Insurance or Multi-Trip Travel Insurance
If you generally take more than one trip per year, the most convenient and cost effective solution is the annual travel insurance. This insurance will provide coverage for multiple trips all through the year. While this travel insurance policy covers unlimited holidays, other policies may cover only a specific trip length spanning over 21, 30 or 45 days.
Family Travel Insurance
If you are traveling with quite a large group of people including for example your wife and children as well as your parents, you should opt for family travel insurance. The greatest advantage of this policy is that it covers all the members as a whole and you do not have to buy separate policies for each member. The family travel policies come with different types of premium. Some policies set their premium amount according to the number of children in the family or other factors such as whether the family is a single parent family etc. Then there are other types of family policies that charge you a premium at a flat rate without taking into consideration the number of children or other factors. If your family is quite big, you should opt for the second type of family travel insurance.
Business Travel Insurance
Business travel insurance is a type of multiple travel insurance based on the assumption that you travel a number of times all through the year as part of your job. This insurance is tailored according to the needs of the typical business traveler. A unique feature of the business travel insurance includes colleague replacement coverage that allows the company to replace another employee in your place in case you cannot make the trip due to any emergency.
Shop around on the internet to get the best travel insurance quotes, and purchase a policy that suits your particular needs. But never forget to go through the terms and conditions in details to know what is covered and what is excluded by the travel insurance policy.
For more on Travel Insurance and Travel Insurance Policy go to BestTravelInsurance.info.
Article Source: http://EzineArticles.com/?expert=Susan_Chen
International Travel Medical Insurance – Why You Need It
International travel for the retired is here and booming! As a consequence so is the need for International Travel Medical Insurance. But whether you are 6 or 60 the need for international travel medical insurance is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or you make a trip to another country and you are injured in an accident? Or one of your children is part of a group making a visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.
International travel insurance is normally used by short-term travellers, mostly on holidays and pleasure cruises. Apart from covering medical expenses for a short travel time, it also covers emergency medical evacuations and trip cancellation refunds.
Travel medical insurance is meant for international travellers who have to go abroad quite often. There are a number of travel medical insurance companies that give support to thousands of travelling people on travel medical programs. These programs are meant to provide medical protection and assistance services in cases where people develop medical problems outside the country.
To avoid any potential medical disasters, wise travellers are prepared by carrying health insurance coverage. Check to see whether your regular health insurance takes care of medical costs in other countries. If it does, what is the extent of your coverage?
On a sombre note, have you thought about repatriation of mortal remains? In case of death the travel health insurance company will bear the cost of returning the mortal remains of the insured.
Before you leave check your policy document or contact the insurer to confirm what precise steps your insurance company requires you to take in a medical emergency. If you have to buy any treatments or medicines, again keep receipts and original prescriptions if possible.
Always read the fine print. Accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports, that means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
Many travel insurance companies also feature discounts for owning multiple policies with them or for maintaining a good driving record. A group package is intended to cover school travels, such as sporting events, group travel, or any travel that carries ten or more individuals. Since the family packages are restricted, covering only the immediate members, the extended polices may be needed to cover additional parties. Thus, few insurance companies may offer up to 10% discounts, while others may offer more or less.
You can determine which insurance is best for you and your situation by learning about the different kinds of coverage offered by the insurance companies your familiar with. By simply phoning to get more information you will learn and discover the options available for your particular type of trip and destination.
Be completely open and honest about your medical history and any activities you are likely to take part in, whether you think they are risky or not. As with any insurance policy; if in doubt declare it anyway. One of the most common defences made by insurers when declining a claim is that information was not disclosed or not correctly disclosed. Declare everything and document it.
So, if you are planning to travel, whether it is for business or for pleasure, you should definitely think about getting a single trip insurance policy. The comfort, peace of mind and assurance you will enjoy while travelling far outweigh the premiums you will pay. In case something goes wrong, you know that you will receive the best compensation and benefits.
Finally, check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.
Allen Jesson writes for several sites, making sense of international travel medical insurance in particular. Also, Allen also writes regularly for various sites that focus on finance.
Article Source: http://EzineArticles.com/?expert=Allen_Jesson
International travel insurance is normally used by short-term travellers, mostly on holidays and pleasure cruises. Apart from covering medical expenses for a short travel time, it also covers emergency medical evacuations and trip cancellation refunds.
Travel medical insurance is meant for international travellers who have to go abroad quite often. There are a number of travel medical insurance companies that give support to thousands of travelling people on travel medical programs. These programs are meant to provide medical protection and assistance services in cases where people develop medical problems outside the country.
To avoid any potential medical disasters, wise travellers are prepared by carrying health insurance coverage. Check to see whether your regular health insurance takes care of medical costs in other countries. If it does, what is the extent of your coverage?
On a sombre note, have you thought about repatriation of mortal remains? In case of death the travel health insurance company will bear the cost of returning the mortal remains of the insured.
Before you leave check your policy document or contact the insurer to confirm what precise steps your insurance company requires you to take in a medical emergency. If you have to buy any treatments or medicines, again keep receipts and original prescriptions if possible.
Always read the fine print. Accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports, that means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
Many travel insurance companies also feature discounts for owning multiple policies with them or for maintaining a good driving record. A group package is intended to cover school travels, such as sporting events, group travel, or any travel that carries ten or more individuals. Since the family packages are restricted, covering only the immediate members, the extended polices may be needed to cover additional parties. Thus, few insurance companies may offer up to 10% discounts, while others may offer more or less.
You can determine which insurance is best for you and your situation by learning about the different kinds of coverage offered by the insurance companies your familiar with. By simply phoning to get more information you will learn and discover the options available for your particular type of trip and destination.
Be completely open and honest about your medical history and any activities you are likely to take part in, whether you think they are risky or not. As with any insurance policy; if in doubt declare it anyway. One of the most common defences made by insurers when declining a claim is that information was not disclosed or not correctly disclosed. Declare everything and document it.
So, if you are planning to travel, whether it is for business or for pleasure, you should definitely think about getting a single trip insurance policy. The comfort, peace of mind and assurance you will enjoy while travelling far outweigh the premiums you will pay. In case something goes wrong, you know that you will receive the best compensation and benefits.
Finally, check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.
Allen Jesson writes for several sites, making sense of international travel medical insurance in particular. Also, Allen also writes regularly for various sites that focus on finance.
Article Source: http://EzineArticles.com/?expert=Allen_Jesson
7 Things To Do Before Buying Travel Insurance
Going back to Roman times, risks have been shared during times of tragedy and unforeseen circumstances, such as earthquakes, floods and the like. The first formal and recorded insurance company, Lloyds of London, was formed in 1769 and their founding principal remains intact today - to gather the premiums of clients as a pool of resources in order to return to clients who experience unexpected and unforeseen but covered events. So, that is the secret really, plan for the unexpected and unforeseen and make sure you are covered, especially when you are travelling. Whether your trip is a quick one or a round the world cruise, there are many good reasons for travel insurance. Here are just 7 things you should do before you buy your travel insurance:
Whatever you do, please explore the market and educate yourself with all the terms and terminologies of the travel insurance cover that will help you to avail the best travel insurance.
Certainly check what is included in your travel insurance policy but most importantly, check what is EXCLUDED from your travel insurance policy.
Research the area you are going to. What is the weather likely to be like? Is there any danger of hurricanes or tropical storms? Floods? How about Mosquito borne disease? What is the crime rate like? Whatever the perceived dangers your research uncovers then make sure that your travel insurance covers you for that eventuality. It is no good after the event to find out that you are not covered for rabid dog attacks (because there are so many in that particular area).
Discuss Your Existing Medical Conditions and Requirements - You need to carefully assess your likely medical requirements and make sure that these are declared to the travel insurance company.
If you intend to drive make sure that you are adequately covered. Many hire companies charge astronomic excesses in case of an accident. Make sure that you insured for that excess (and it will be a lot cheaper than paying the hire companies rates for that same cover).
Make sure you have the necessary documentation for travel in that country. Take Spain for example which is part of the European community and will offer free health care say to a UK citizen on holiday or living there. There are certain conditions, one of which is that you must have a UK E111 form, if you do not have that, you will not be treated. You must also go to a national health hospital, which are not in abundance in certain areas of Spain.
If travelling in Europe, it may pay to get a EHIC (European Health Insurance Card) as this will remove a lot of worry should you need any emergency treatment.
Okay, so there you have it. 7 things to do before buying travel insurance for the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there is an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print first. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, (insert for your favourite potentially dangerous sport here), scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on. That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
Allen Jesson writes for several sites, making sense of international travel medical insurance in particular. Also, Allen also writes regularly for various sites that focus on finance.
Article Source: http://EzineArticles.com/?expert=Allen_Jesson
Whatever you do, please explore the market and educate yourself with all the terms and terminologies of the travel insurance cover that will help you to avail the best travel insurance.
Certainly check what is included in your travel insurance policy but most importantly, check what is EXCLUDED from your travel insurance policy.
Research the area you are going to. What is the weather likely to be like? Is there any danger of hurricanes or tropical storms? Floods? How about Mosquito borne disease? What is the crime rate like? Whatever the perceived dangers your research uncovers then make sure that your travel insurance covers you for that eventuality. It is no good after the event to find out that you are not covered for rabid dog attacks (because there are so many in that particular area).
Discuss Your Existing Medical Conditions and Requirements - You need to carefully assess your likely medical requirements and make sure that these are declared to the travel insurance company.
If you intend to drive make sure that you are adequately covered. Many hire companies charge astronomic excesses in case of an accident. Make sure that you insured for that excess (and it will be a lot cheaper than paying the hire companies rates for that same cover).
Make sure you have the necessary documentation for travel in that country. Take Spain for example which is part of the European community and will offer free health care say to a UK citizen on holiday or living there. There are certain conditions, one of which is that you must have a UK E111 form, if you do not have that, you will not be treated. You must also go to a national health hospital, which are not in abundance in certain areas of Spain.
If travelling in Europe, it may pay to get a EHIC (European Health Insurance Card) as this will remove a lot of worry should you need any emergency treatment.
Okay, so there you have it. 7 things to do before buying travel insurance for the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there is an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print first. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, (insert for your favourite potentially dangerous sport here), scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on. That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
Allen Jesson writes for several sites, making sense of international travel medical insurance in particular. Also, Allen also writes regularly for various sites that focus on finance.
Article Source: http://EzineArticles.com/?expert=Allen_Jesson
Travel Insurance: Ensuring Total Peace Of Mind
X
Report This Article
Report this article if you suspect it is not original content, is in violation of our Editorial Guidelines or our Author's Terms of Service.Click here to report this article.
The best and most precise definition of Travel Insurance comes from Wikipedia which says that it “is the insurance that is intended to cover financial and other losses incurred while travelling, either within one's own country, or internationally.” The coverage of this insurance depends on the nature of the loss and the subsequent liability of the Insurance Company.
Most people think that their ‘normal’ Life, Household goods and Personal Accident policies are enough for them, without paying additional premium for the complicated Travel Insurance, when they travel. Unfortunately, they come to know that they have been very wrong after discovering the hard way. Travel Insurance is not only a valid need, it is compulsory as well, when you travel internationally.
Most of travel Insurance policies cover some specific risks and leave the rest. It is your job to read the fine print and decide whether it contains all the coverage you might potentially need. For example, a particular low cost travel insurance might insure you against any medical emergencies arising when you are away from your home, travelling. But do enquire whether they also cover the cost of evacuating you to your city, in case of worst scenarion, or cover the cost of travel of your near ones who might have to fly in to take care of you, when you are sick.
There are many clauses and you need to get several quotes from various travel insurance companies, before you judge what is best for you. The best resource remains the internet and once you make up your mind, online travel insurance is the best bet to save your time and cut back on the cost of huge agent commissions. The travel insurance industry in UK is a bit complicated and you need to read a lot before you figure out what and what not your “free” travel insurance along with credit card of capital a/c includes. More often than not, you will find that the best and comprehensive coverage rarely comes under the tag of “cheap travel insurance”. But in the long run, peace of mind is the most precious commodity and any cost for this elusive entity is justified.
Get more help on travel insurance companies and online travel insurance
Article Source: http://EzineArticles.com/?expert=Adam_Jaylin
Travel Insurance Can Make A World Of Difference To Your Holiday
If you're planning a large trip overseas for your next holiday, it's likely that you're feeling a mix of both heady and nervous excitement. Whether you're planning to visit the French Riviera, the pyramids of Giza or the Australian outback, your initial excitement towards the pleasures that await you on your travels can give way to some niggling worries of any possible mishaps you might encounter.
For example, what if your train or aeroplane is cancelled? What if your bags get lost or stolen? And, more seriously, what are the chances that you'll be involved in an accident or be caught in an emergency situation in a foreign country? It's for these reasons, as well as many others, that travel insurance is an essential purchase when making plans for your travels.
Whatever your holiday destination, you'll find it's possible to get European and worldwide travel insurance that covers all your essential needs. The most common risks covered by travel insurance are cancellation, delayed departure, loss, theft or damage to personal possessions and money, emergency evacuation or repatriation, legal issues and - in the most extreme cases - accidental death, injury or disablement.
In addition to cover for such circumstances, you'll find that many companies will let you tailor your own travel insurance to the risks you think will be most likely on your holiday - whether it's European or worldwide travel insurance you're after.
For instance, if you're planning to visit the French Alps on a skiing trip, or you want to go scuba diving in Australia's Great Barrier Reef, you'll be able to add on extra protection for winter or water sports. You might also want to consider adding on insurance cover for natural disasters - for instance, if you're travelling to Bangladesh when there's a high risk of flooding, or if you're taking a trip to Florida during the summer months, when the prospect of hurricane damage is at its highest.
Many travel insurance companies will also offer add-on protection for extreme sports - so if you're in Thailand and would like to indulge in a spot of bungee jumping, you can rest assured that you're covered for any potential injuries or accidents that might occur.
Whatever your main holiday concerns, travel insurance companies are sure to offer you comprehensive advice on what your greatest risks are, depending on your particular holiday location and the type of lifestyle and holiday pursuits you enjoy most. After all, if you can't swim and you're scared of heights, you're not likely to require anything more than the basic travel insurance package!
So, make sure you consider a range of factors before deciding which travel insurance package to opt for - you'll enjoy peace of mind during your holiday, as well as the satisfaction of knowing that you're being well looked after.
Andrew Regan is an online, freelance journalist.
Article Source: http://EzineArticles.com/?expert=Andrew_Regan
For example, what if your train or aeroplane is cancelled? What if your bags get lost or stolen? And, more seriously, what are the chances that you'll be involved in an accident or be caught in an emergency situation in a foreign country? It's for these reasons, as well as many others, that travel insurance is an essential purchase when making plans for your travels.
Whatever your holiday destination, you'll find it's possible to get European and worldwide travel insurance that covers all your essential needs. The most common risks covered by travel insurance are cancellation, delayed departure, loss, theft or damage to personal possessions and money, emergency evacuation or repatriation, legal issues and - in the most extreme cases - accidental death, injury or disablement.
In addition to cover for such circumstances, you'll find that many companies will let you tailor your own travel insurance to the risks you think will be most likely on your holiday - whether it's European or worldwide travel insurance you're after.
For instance, if you're planning to visit the French Alps on a skiing trip, or you want to go scuba diving in Australia's Great Barrier Reef, you'll be able to add on extra protection for winter or water sports. You might also want to consider adding on insurance cover for natural disasters - for instance, if you're travelling to Bangladesh when there's a high risk of flooding, or if you're taking a trip to Florida during the summer months, when the prospect of hurricane damage is at its highest.
Many travel insurance companies will also offer add-on protection for extreme sports - so if you're in Thailand and would like to indulge in a spot of bungee jumping, you can rest assured that you're covered for any potential injuries or accidents that might occur.
Whatever your main holiday concerns, travel insurance companies are sure to offer you comprehensive advice on what your greatest risks are, depending on your particular holiday location and the type of lifestyle and holiday pursuits you enjoy most. After all, if you can't swim and you're scared of heights, you're not likely to require anything more than the basic travel insurance package!
So, make sure you consider a range of factors before deciding which travel insurance package to opt for - you'll enjoy peace of mind during your holiday, as well as the satisfaction of knowing that you're being well looked after.
Andrew Regan is an online, freelance journalist.
Article Source: http://EzineArticles.com/?expert=Andrew_Regan
Trip Cancellation Insurance Coverage Under Your Travel Insurance Policy
Trip Cancellation Insurance coverage under your travel insurance policy:- Ready for the long-hauling amazing trip to the beautiful Caribbean islands, with bountiful of excitement and delight. Any day the scorching heat and the coastal vistas across the Caribbean could make a wonderful and a memorable trip. But have you imagined, what you would do if by any chance something gets wrong and you have to cancel the trip in between. In that situation, the expenses that you have to bear could even get on your nerves. What would you do with your flight tickets, hotel reservation, and other expenditure that have been made in advance? That’s where that trip cancellation coverage comes in an utter demand.
Trip cancellation pays off- to all the financial loses that a person has to incur in case of any emergency like illness, accident or an emergency cancellation. It serves to your protection during travelling and also makes it a point that a person won’t loose anything paid in regard to the travel expenditure. Without this, you may stand to lose all that you’ve paid for with regards to your travel expenses. Trip cancellation coverage policy ensures the compensation of a certain portion of the financial loss, only if the reason for the cancellation is compelling and matches the terms and conditions of your travel insurance policy.
Things to know about Trip cancellation insurance:- 1. Trip cancellation insurance compensates for whatever expenses paid; in case you have to cancel your trip in between on account on any serious problem.
2. Provides an arrangement for trip cancellation, if the destinations you want to visit undergo with any kind of natural disaster. In that case you can anytime call off your trip and ask for the repayment from your travel insurance policy.
3. Usually, on every travel insurance policy this special coverage is provided to the travellers. Travel insurance companies like help the aged, saga offer this special coverage with their multi insurance products. With insurancebookers, you can get a minimum cover level of up to ₤1000 on their senior 65+ insurance product.
4. Vis-à-vis many credit card companies also provide in-built travel cancellation coverage. Companies like American companies and other MNC’s also boasts about this special coverage.
insurancebookers
Article Source: http://EzineArticles.com/?expert=Michelle_John
Trip cancellation pays off- to all the financial loses that a person has to incur in case of any emergency like illness, accident or an emergency cancellation. It serves to your protection during travelling and also makes it a point that a person won’t loose anything paid in regard to the travel expenditure. Without this, you may stand to lose all that you’ve paid for with regards to your travel expenses. Trip cancellation coverage policy ensures the compensation of a certain portion of the financial loss, only if the reason for the cancellation is compelling and matches the terms and conditions of your travel insurance policy.
Things to know about Trip cancellation insurance:- 1. Trip cancellation insurance compensates for whatever expenses paid; in case you have to cancel your trip in between on account on any serious problem.
2. Provides an arrangement for trip cancellation, if the destinations you want to visit undergo with any kind of natural disaster. In that case you can anytime call off your trip and ask for the repayment from your travel insurance policy.
3. Usually, on every travel insurance policy this special coverage is provided to the travellers. Travel insurance companies like help the aged, saga offer this special coverage with their multi insurance products. With insurancebookers, you can get a minimum cover level of up to ₤1000 on their senior 65+ insurance product.
4. Vis-à-vis many credit card companies also provide in-built travel cancellation coverage. Companies like American companies and other MNC’s also boasts about this special coverage.
insurancebookers
Article Source: http://EzineArticles.com/?expert=Michelle_John
Tips for Travel Insurance
Travel insurance is designed to protect you from losses while you are traveling. There are many situations that could result in your need of travel insurance. Things like lost luggage, trips being cancelled, medical emergency expenses along with other situations you may not have thought of
There are several types of coverage for travel insurance and it will depend on the insurance company issuing the policy as to what you are covered for.
Some types of cover available for travel insurance are:
Trip CancellationAccident/Sickness Medical ExpensesBaggage/Personal Effects Loss or DelayMedical Evacuation/Emergency TransportationTrip DelaySupplier Default
Trip Cancellation will cover you for non-refundable payments or any deposits paid for trips that have to be cancelled due to unforeseen circumstances. This is the most common type of travel insurance.
Accident/Sickness Medical Expenses is another cover that could be overlooked but is very important when traveling. This will cover you for any costs you may have for illness or injury while you are traveling.
Baggage/Personal Effects Loss or Delay, this will cover you for any items that may be lost or delayed in getting to you while traveling. Things like your luggage not arriving with you and you need to replace certain item while waiting for your luggage to arrive.
Medical Evacuation/Emergency Transportation, as it says, this covers you for medical emergency transportation if you need to be transported to a hospital or medical facility while traveling.
Trip Delay will make sure you are not out of pocket if while traveling your trip is delayed.
Supplier Default, if a travel supplier defaults, this will cover you for any payments either full or deposits you have paid.
Many travel companies like tour or cruise lines will offer their own protection plans. You may find these plans will offer a very different coverage to other insurance companies who do travel insurance. It is best to compare what each will cover you for and don’t make the mistake of taking the travel company’s offer without making sure it is best for you. Make sure you are being covered for all you need.
If you want to protect your travel investment and no matter where you are traveling to, it is costing you money. Often times the deposits and prepayments have to be paid so early that unforeseen circumstances often happen, like an illness, death in the family, accident etc and your trip may need to be delayed or cancelled.
There will be financial losses to you as most of the money you have paid is non-refundable and without the protection of your travel insurance, you will be very much out of pocket.
Your private health insurance may only cover you in your own State or Country so it is necessary to make sure you have the medical insurance coverage for your travels.
A travel insurance policy may cover you for all your needs but this will vary from company to company and from policy to policy. Remember if it sounds too good to be true, it probably is, so read the fine print very carefully.
Make your list of what you want covered and also make sure you know the value of your possessions and for your valuables, take photos so they can be identified in case of loss or theft. With digital photos and cell phones with inbuilt cameras this is very easily done today.
If you do have to make a claim for a loss with your travel insurance company, if you have records for them, it will speed up the process for you.
Just to recap, this is a list of the most common risks that are covered by travel insurance
· Cancellation · Curtailment · Delayed departure · Loss, theft or damage to personal possessions and money (including travel documents) · Delayed baggage (and emergency replacement of essential items) · Medical expenses · Emergency evacuation/repatriation · Overseas funeral expenses · Accidental death, injury or disablement benefit · Legal assistance · Personal liability and rental car damage excess · Loss of income
Ask each travel insurance company what they provide first, then compare it with your list of what you require. The more you are covered for the more you may have to pay, so depending on how much you are outlaying for your trip, you will need to weigh this up.
Travel insurance like all insurance needs to be looked into for what your needs are, you will enjoy your travel so much more if you know you have taken the right steps for a “peace of mind” trip.
Please visit our site InsuranceInfo-Online for great resources, information, hints and tips to help you get insurance for less.
Article Source: http://EzineArticles.com/?expert=Carmel_Baird
There are several types of coverage for travel insurance and it will depend on the insurance company issuing the policy as to what you are covered for.
Some types of cover available for travel insurance are:
Trip CancellationAccident/Sickness Medical ExpensesBaggage/Personal Effects Loss or DelayMedical Evacuation/Emergency TransportationTrip DelaySupplier Default
Trip Cancellation will cover you for non-refundable payments or any deposits paid for trips that have to be cancelled due to unforeseen circumstances. This is the most common type of travel insurance.
Accident/Sickness Medical Expenses is another cover that could be overlooked but is very important when traveling. This will cover you for any costs you may have for illness or injury while you are traveling.
Baggage/Personal Effects Loss or Delay, this will cover you for any items that may be lost or delayed in getting to you while traveling. Things like your luggage not arriving with you and you need to replace certain item while waiting for your luggage to arrive.
Medical Evacuation/Emergency Transportation, as it says, this covers you for medical emergency transportation if you need to be transported to a hospital or medical facility while traveling.
Trip Delay will make sure you are not out of pocket if while traveling your trip is delayed.
Supplier Default, if a travel supplier defaults, this will cover you for any payments either full or deposits you have paid.
Many travel companies like tour or cruise lines will offer their own protection plans. You may find these plans will offer a very different coverage to other insurance companies who do travel insurance. It is best to compare what each will cover you for and don’t make the mistake of taking the travel company’s offer without making sure it is best for you. Make sure you are being covered for all you need.
If you want to protect your travel investment and no matter where you are traveling to, it is costing you money. Often times the deposits and prepayments have to be paid so early that unforeseen circumstances often happen, like an illness, death in the family, accident etc and your trip may need to be delayed or cancelled.
There will be financial losses to you as most of the money you have paid is non-refundable and without the protection of your travel insurance, you will be very much out of pocket.
Your private health insurance may only cover you in your own State or Country so it is necessary to make sure you have the medical insurance coverage for your travels.
A travel insurance policy may cover you for all your needs but this will vary from company to company and from policy to policy. Remember if it sounds too good to be true, it probably is, so read the fine print very carefully.
Make your list of what you want covered and also make sure you know the value of your possessions and for your valuables, take photos so they can be identified in case of loss or theft. With digital photos and cell phones with inbuilt cameras this is very easily done today.
If you do have to make a claim for a loss with your travel insurance company, if you have records for them, it will speed up the process for you.
Just to recap, this is a list of the most common risks that are covered by travel insurance
· Cancellation · Curtailment · Delayed departure · Loss, theft or damage to personal possessions and money (including travel documents) · Delayed baggage (and emergency replacement of essential items) · Medical expenses · Emergency evacuation/repatriation · Overseas funeral expenses · Accidental death, injury or disablement benefit · Legal assistance · Personal liability and rental car damage excess · Loss of income
Ask each travel insurance company what they provide first, then compare it with your list of what you require. The more you are covered for the more you may have to pay, so depending on how much you are outlaying for your trip, you will need to weigh this up.
Travel insurance like all insurance needs to be looked into for what your needs are, you will enjoy your travel so much more if you know you have taken the right steps for a “peace of mind” trip.
Please visit our site InsuranceInfo-Online for great resources, information, hints and tips to help you get insurance for less.
Article Source: http://EzineArticles.com/?expert=Carmel_Baird
Travel Insurance Secrets Revealed And Why You Must Have It Today
Travel insurance is a type of insurance that provides international insurance coverage during travel to a foreign country.
Tourism is a growing industry worldwide. So are undesirable things like terrorism, airplane crashes, accidents, wars, disease, natural calamities, etc.
During travel, travelers face a lot of risks like trip cancellation, loss of baggage, loss of money, loss of valuables, accidents, terrorist attacks, natural calamities, and even death occasionally.
Any experienced traveler can tell you that travel is full of uncertainties. But it's not possible to just sit at home afraid of what might happen to you when you travel. One cannot stop traveling because of the unforeseen events. All these unforeseen events can be reduced by getting a good travel insurance policy. Travel insurance is just one way of offsetting the financial risk of the unknown, such as unforeseen events or calamities.
There are a variety of travel insurance policies available today on the Internet. It's easy to get confused with so many offers available. But most have the same basic benefits. Travel insurance policies usually provide coverage for trip cancellations or interruptions, medical costs, accidents, and loss of baggage.
Travel insurance policies can help with cancellation or interruptions, which can be due to a variety of reasons like death of an immediate family member, bad weather, sudden illness, emergency surgery, bankruptcy of an airliner, jury duty, terrorist activities, or any number of unforeseen events, etc.
They can help with medical costs, which can be incurred for visits to doctors, clinics, or hospitals, medicines, medical treatment, emergency surgery, other surgery, etc. Some policies even provide coverage for the cost of medical evacuation to the closest medical facility.
Travel policies can help with accidents or disasters like earthquakes, tsunamis, hurricanes, storms, etc., and all the related costs. Some policies also provide for vehicle accident costs as well. These are especially useful when driving in a foreign country.
Most of your policies at home for auto insurance only provide insurance within the United States and do not provide for any accidents out of the United States.
Travel insurance policies can help with costs for loss of baggage and valuables. This is especially helpful when going out on a shopping trip for antiques, valuables, jewelry, electronics, or any other high end items.
All the costs I've mentioned are borne by the insurance company depending upon the policy you decide on. Policies can look overwhelming but really are easy to understand.
Make sure to read the fine print closely. You want to particularly notice the sections covering deductibles, co-insurance, specific limits, exclusions, hotlines, and emergency services. Make sure to ask questions about anything that you don't understand completely.
If you're a frequent traveler, anyone who travels frequently can tell you about the problems they've encountered. All frequent travelers should have an annual travel insurance policy. Also you can purchase a policy for a single trip which is advisable when just going on an occasional trip; this is especially true when going to an undeveloped or third world country.
Sometimes purchasing a group policy for a family works out to be much cheaper. It's also cheaper to purchase a policy online because there's no insurance agent involved. Cheap travel insurance is readily available online.
With the proper travel insurance policy, planning, and careful preparation, you'll be ready for anything, whether on a single trip or traveling frequently throughout the year. It's smart to be prepared.
For more information on travel accident insurance and single trip, annual, group and cheap travel insurance policies go to http://www.AllAboutDisabledTravel.com specializing in travel health insurance, travel and transportation tips, help, advice, and resources including information on cheap travel.
Article Source: http://EzineArticles.com/?expert=Helen_Hecker
Tourism is a growing industry worldwide. So are undesirable things like terrorism, airplane crashes, accidents, wars, disease, natural calamities, etc.
During travel, travelers face a lot of risks like trip cancellation, loss of baggage, loss of money, loss of valuables, accidents, terrorist attacks, natural calamities, and even death occasionally.
Any experienced traveler can tell you that travel is full of uncertainties. But it's not possible to just sit at home afraid of what might happen to you when you travel. One cannot stop traveling because of the unforeseen events. All these unforeseen events can be reduced by getting a good travel insurance policy. Travel insurance is just one way of offsetting the financial risk of the unknown, such as unforeseen events or calamities.
There are a variety of travel insurance policies available today on the Internet. It's easy to get confused with so many offers available. But most have the same basic benefits. Travel insurance policies usually provide coverage for trip cancellations or interruptions, medical costs, accidents, and loss of baggage.
Travel insurance policies can help with cancellation or interruptions, which can be due to a variety of reasons like death of an immediate family member, bad weather, sudden illness, emergency surgery, bankruptcy of an airliner, jury duty, terrorist activities, or any number of unforeseen events, etc.
They can help with medical costs, which can be incurred for visits to doctors, clinics, or hospitals, medicines, medical treatment, emergency surgery, other surgery, etc. Some policies even provide coverage for the cost of medical evacuation to the closest medical facility.
Travel policies can help with accidents or disasters like earthquakes, tsunamis, hurricanes, storms, etc., and all the related costs. Some policies also provide for vehicle accident costs as well. These are especially useful when driving in a foreign country.
Most of your policies at home for auto insurance only provide insurance within the United States and do not provide for any accidents out of the United States.
Travel insurance policies can help with costs for loss of baggage and valuables. This is especially helpful when going out on a shopping trip for antiques, valuables, jewelry, electronics, or any other high end items.
All the costs I've mentioned are borne by the insurance company depending upon the policy you decide on. Policies can look overwhelming but really are easy to understand.
Make sure to read the fine print closely. You want to particularly notice the sections covering deductibles, co-insurance, specific limits, exclusions, hotlines, and emergency services. Make sure to ask questions about anything that you don't understand completely.
If you're a frequent traveler, anyone who travels frequently can tell you about the problems they've encountered. All frequent travelers should have an annual travel insurance policy. Also you can purchase a policy for a single trip which is advisable when just going on an occasional trip; this is especially true when going to an undeveloped or third world country.
Sometimes purchasing a group policy for a family works out to be much cheaper. It's also cheaper to purchase a policy online because there's no insurance agent involved. Cheap travel insurance is readily available online.
With the proper travel insurance policy, planning, and careful preparation, you'll be ready for anything, whether on a single trip or traveling frequently throughout the year. It's smart to be prepared.
For more information on travel accident insurance and single trip, annual, group and cheap travel insurance policies go to http://www.AllAboutDisabledTravel.com specializing in travel health insurance, travel and transportation tips, help, advice, and resources including information on cheap travel.
Article Source: http://EzineArticles.com/?expert=Helen_Hecker
Subscribe to:
Posts (Atom)