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Posts Tagged ‘Insurance’

Are You Sure You Do Not Require Travel Insurance?

23 Nov

Author: Jackson Alan
Source: ezinearticles.com

Just as the title asks, “Are you sure you do not require travel insurance?” A very high percentage of people in the world today would immediately answer, “Yes, I do not require travel insurance” without giving much thought to it. The more we believe that we do not need it, the further we go away from the truth. Yes, travel insurance was not popular in the past but now, times have changed. Travel insurance as of today is officially a necessity. Not convinced? Let me tell you a couple of basic things that travel insurance will provide coverage for.

Firstly, insurance will cover for losses such as lost items as in personal belongings, luggage, cash, sudden cancellations for flight reservations and so on. You might think, “Hey, there is no way that this will happen to me as I do not misplace my things…!” Before you jump into any conclusions in your mind that you do not require insurance, do take some time to read this article and see if it makes sense. I am sure you will agree with me that unexpected events may happen as life is unpredictable and therefore certain things are just not within our control.

Let us say that you have never lost a wallet in your entire life and think that you never will. What if during your trip overseas, a robber with a gun suddenly appears and demands you to hand over every single cent you have. What will that mean for you? No more money left in a foreign country. Would you want that to happen to you? What if you are with your family and have young kids? Just imagine about how traumatic this experience will be for them. Would you want that to happen to them? Nobody would envisage such happenings so it is best to be prepared for it.

There are actually two ways you can prevent such disaster from happening. The first one is to cancel the trip and never leave the country. That is definitely out of the question so there is only one last option left which is to get insurance…! Travel Insurance will not only protect you and cater to your emergency needs but also gives you and your loved ones a worry-free vacation.

So let me ask you one more time, “Are you sure you do not require travel insurance?” I guess as much your answer would be yes this time so what are you still waiting for? Go get your Travel Insurance Package now! Here is a good site http://www.ColumbusTravelInsurance.org where you can make comparisons thus enabling you to get maximum protection within your budgeted amount.

 
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Posted in Insurance

 

Travel Insurance Faq

22 Nov

Author:
Source: articledashboard.com

Travel Insurance is an essential part of any trip and is something that should not be put aside. Most soon-to-be travelers usually have heard about travel insurance, but might not know the specific reasons why they need travel insurance. This is an important article about frequently asked questions for travel insurance. This article also provides a link for further reading about travel insurance.

What is travel insurance protection?

Travel insurance is a type of insurance that covers you financial for any losses or illness that may unfortunate occur while you is on your trip. Travel insurance can be bought for international or national (within your country) trips.

Why should I buy travel insurance?

Since travel insurance protects you while traveling, this will help and provide the necessary protection you will need in the occurrence of a unfortunate event. Any individual traveling anywhere without travel insurance will be in a dangerous situation if an accident occur.

What is the coverage for travel insurance?

Travel insurance should provide coverage for medical cost, transportation to a medical facility, and reimburse you for certain or some nonrefundable costs due to a interrupted trip, and financial loss of funds.

How much does travel insurance cost?

How much the cost of your travel insurance will be depends on your insurance company provider and their policy. The cost of travel insurance usually will range up to 12 percent of the cost of your vacation/trip.

Is travel insurance really important and how many people actually get paid for their claims?
Travel insurance is highly recommended, there are usually about 10% of people who file claims. Sometimes some travelers make have taken a overly expensive trip that they would have to pay out of their own money if they have not bought travel insurance.

What is the medical care coverage?

When there is a case of illness or serious injury, medical transportation to an appropriate medical facility, and medical treatment will be covered. You should also have coverage for if it is deem necessary to bring you back home.

Does travel insurance cover business trips?

This will depend on the insurance company. Most insurance companies will provide travel insurance for a business trip, but the coverage may be separate from the standard coverage.

How long will travel insurance provide coverage for me?

You can often buy travel insurance starting from as little as two weeks, up to a year. Different insurance companies may vary with their service of coverage.

When is the best time to buy travel insurance coverage?

The best time to buy travel insurance is as soon as possible before you go on your trip or vacation. You want your travel insurance active during your whole trip.

What will happen if my money is lost or stolen?

If you can not receive traveler checks replacements many insurance companies provide a service where a travel agent can arrange a money transfer or traveler check for you to receive. You will have to ask more about this to your travel insurance provider.

 
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Posted in Finance

 

The Importance of Travel Insurance

11 Nov

Author: Philip Nicosia
Source: download

Even the best planned vacations can be interrupted by glitches and emergencies. You lose your luggage. You slip, or catch a bug, and need medical treatment. These not only disrupt your itinerary, but can cost you a lot of money.
That’s where travel insurance (also called travel protection) comes in. Specially designed to address the situations and risks involved in travel, it provides coverage from the moment you leave, to the moment you return to your home.
For example, travel insurance can reimburse you for any baggage or items that you may lose during your trip. This is particularly important if you plan to buy anything of high value, such as local antiques, or are carrying very expensive jewellery or electronic equipment.
Your standard medical insurance also tends to be limited to a network area, so without travel insurance, you will have to pay for any hospitalization or medical treatments you receive while abroad. This can be very pricey, not to mention stressful: imagine being sick and broke in an unfamiliar country! If you are visiting a place where doctor’s bills and other emergency procedures are expensive, or where there are very real health risks, travel insurance is absolutely crucial.
Travel insurance is also very important if you plan to take a driving vacation. Many automobile policies will not extend coverage outside the country you live. The last thing you want to worry about is how to pay for a rental vehicle that got smashed by another driver, or take over the costs of repairing a car who you may have hit (a risk anyone takes by travelling through unfamiliar roads with unfamiliar driving rules).
Travel insurance can also provide protection against emergencies that are so specific to going abroad that they cannot be covered by your standard insurance policy. This includes trip interruption. Any fees or down payments that you may have made that would otherwise have been forfeited if you had suddenly cancelled your trip will be returned to you.
Travel protection plans can also provide assistance services like an emergency hotline and medical transportation services. This is very valuable when a crisis hits in a foreign country, where you may not speak the language or know your way around a city well enough to locate the nearest emergency facility. When you are distraught or distressed, or when time is of the essence and you need to get help right away, travel protection plans can be your safety net. You may be a stranger in a strange land, but you are not alone.
You may ask, “Why should I get travel insurance when I have really good regular insurance?” Many people are under the impression that their automobile, homeowners’ credit card and medical policies are so “extensive” that they would automatically provide protection anywhere in the world. That is not necessarily true. You need to read the fine print. If you don’t, and fail to take the additional coverage given by travel protection, then you may find out your insurance policies’ limitation the hard way: when you are caught in an emergency, and spending a large amount of money (on top of the deductibles and co-payments) with the hope of compensation very far off. Travel protection is a sure guarantee of security. Now you can take your vacation with complete peace of mind?and isn’t that what vacations are about?
Resources.eu.com is an online resource centre covering many topics including insurance and travel insurance.

 
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Posted in Finance

 

Discount Travel Insurance For Over 65

07 Nov

Author: Amy Nutt.
Source: isnare.com

The prospect of traveling, whether within the country or abroad, can be very exciting. There are so many places to go and things to do! It’s a little easy to get carried away with planning events and there may be a need to adjust the budget a time or two accordingly.

When preparing for travel, it is wise to keep in mind ways to keep the costs down. There are many ways to decrease expenses and have a pleasant trip.

There are, however, some things that should not be skimped on. One of these is travel insurance. It may be fun to frequent a local market a time or to rather than the fancy eatery. But while insurance may seem like an expense that you can forego and the likelihood is great that you won’t have occasion to use it, it is a precaution that you should be prudent to work into your budget.

You’ll want to determine what advantages you’d like to include and locate a reputable agency. There are quote sites available that allow you to enter specific criteria including age. Within a company there are different plans. Determine what amenities you’ll really need. If you are not carrying sports gear or equipment, for example, you will need a smaller amount of coverage. You may be able to rent some of the equipment when you arrive. Take note to the difference in plans- some have cancellation policies that may cause you to lose out depending on the reason. If you have an unexpected event that causes you to cancel your trip, you should be able to re-book when convenient for you without it costing you again. Some plans refund a voucher, some give back cash. Even if you can’t afford the most expense plan, basic coverage will give you a bit of security and peace of mind so that you can enjoy your trip to the fullest.

To keep the cost down, there are many options available. Many travel agencies have discount program available depending on the age of the travelers. There are plans for the over 65. To take advantage of some of these discounts, it may be as simple as a call to your local agency. Or, you might complete some online searches to compare prices from one company to another.

Often, depending on the trip you’d like to take, there are group rates available for the travel itself or for individual events when you arrive. This is an additional savings that means it may benefit your pocket to travel with friends.

By this point in your life, you may have accumulated ‘frequent flier’ miles. These can help with your budget as well so that that you needn’t skimp on the insurance. Be a bit resourceful, do your homework, and you will be able to have the vacation you want.

With a little hunting, on average, the over 65 crowd should be able to arrange at least a 10 or even 15 % discount from their travel insurance costs.

Dan Pucher Insurance is an independent Travel, Life and Health Insurance in Canada Broker offering personal and corporate solutions. When looking for Visitors and information on Canadian Travel Insurance please give us a call

 
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Posted in Home & Family

 

Could Travel Insurance Protect You Against All These Kinds Of Risks?

27 Oct

Author: Greath Owen
Source: articledashboard.com

Risks and Travel Insurance Cover

You face several kinds of risks during travel, both domestic and foreign. Your baggage could be lost, flight could be delayed, money could be stolen or you could fall ill. The risks have higher impact when you are abroad with unfamiliar language, customs and laws. The monetary costs could be quite high in some cases. Proper travel insurance cover could minimize the impact of such risks.

In this article, we look at some specific issues relating to some important travel risks.

  • Healthcare Risks

Healthcare risks could arise from illness or accidents. Accidents are particularly likely if you are going on a sports or adventure vacation. Fractures are common during a skiing expedition, for example. Even healthy persons could meet with accidents.

In UK, the healthcare program might protect you. Once you are outside UK, it might not provide the same degree of, or any at all, protection. UK has signed reciprocal healthcare agreements with a number of countries. However, the extent of protection offered varies from country to country. You might have to incur quite heavy expenses yourself in some countries.

Then there are countries with which there are no reciprocal healthcare agreements, notably USA with very high medical costs. If you are a UK resident and suffers a serious illness while in USA, you could almost be bankrupted.

Adequate travel insurance cover could reimburse your medical and incidental costs, meeting even the costs of evacuation to nearest medical facility or even back home.

  • Other Travel Risks

Other common travel related risks include loss of baggage, travel documents or money, trip cancellation with no refunds and flight delays that might result in missing onward bookings. Less common might be damages that you cause to third parties with consequential liability claims.

A comprehensive travel insurance cover could protect you against all these kinds of risks.
Types of Travel Insurance Cover

You could obtain cover under different kinds of policies. If you are an infrequent traveller, you could take out a single-trip insurance each time you travel. A frequent traveller would find it more cost effective (and convenient) to go for annual, multi-trip travel insurance cover. Check that the policy covers the likely duration of each trip.

If you have children who travel with you, you could enjoy big savings if you select family travel insurance. Persons under 18 are usually considered children and there are special rates for them.

Business travel policies usually offer cover for office equipment such as laptops and PDAs, and might also cover a colleague if you are unable to travel. These are typically annual policies.

Persons aged over 65 might find it difficult to obtain travel insurance cover. However, insurance brokers working with several companies would usually be able to find good bargains even for this group.

Winter sports enthusiasts could go for the specialized policies that provide cover not only for healthcare but also for equipment, even hired equipment, and no snow conditions that effectively cancel their vacations. Specialized travel insurance cover is also available for other kinds of adventure vacations.

Travel insurance could also cover short stays or long stays of three to eighteen months. Backpackers, typically, go on long-stay vacations and could go for backpacker insurance.

The costs are higher if hazardous activities like those mentioned above are involved. So would cover for pre-existing medical conditions. Compared to likely treatment expenses, however, the insurance costs could be negligible. UK travelers could consider buying a European Health Insurance Card for travel in Europe, as it would lower costs of medical treatment in European countries.

Travel insurance typically covers baggage loss and delays. Check however that the policy covers loss of travel documents and money, as these might not be automatically included. On the other hand, if you have a home insurance, you might not need baggage cover.

Cancellation of your trip because of illness, death in the family or other specified reasons could affect you financially if your booking does not allow refunds. If your travel insurance covers cancellations, you could recover the losses from the insurer. Cancellations could occur before travel start date and ensure that your policy is effective from booking date.

Be Honest With Your Insurer

One reason for insurance companies rejecting claims is that the policyholder failed to disclose relevant information, such as a pre-existing medical condition. You would be financially safer disclosing what you know, and paying a little extra, compared to what you might have to incur otherwise. Honesty is the best policy for obtaining good travel insurance cover.

 
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Posted in Finance

 

Adventure Holiday Travel Insurance – Are You Really Indiana Jones?

25 Oct

Author: Jean Andrews
Source: ezinearticles.com

Wherever your lust for travel and adventure may lead, it is smart to book with an established tour company. Going it alone can be an exciting fantasy, but in practice may not be so easy to pull off and you can’t learn everything from a book. Tour companies hire experienced guides to make the experience easier and more enjoyable – and bonuses like keeping you away from pretty but potentially unfriendly plants and bugs!

Much as you might fancy yourself as Indiana Jones, donning the same outfit will not turn you into a super hero overnight. The average traveller, spending most of the year desk-bound, is unlikely to have the stamina or savvy to survive an adventure holiday unscathed without the benefit of an experienced guide. Potential hazards could include nasty stomach bugs, stings and bites, altitude sickness, heatstroke, or worse. Be honest, how well would you cope on the other side of the world, away from your mobile phone, PC, email, and all the gadgets you rely on in your comfort zone? An adventure sports holiday exists for just about any place on earth and any activity.

Trekking holidays come in various levels of difficulty, so choose the one that suits your ability. Be brutally honest with yourself about your level of fitness and schedule a health check with your GP before booking. How well you do will depend largely on the terrain and grades, as well as the altitude, temperature and weather. For instance, would you want to carry your own backpack up a steep grade? Would you prefer an easier tour, with some tea and sympathy – and a Sherpa? Perhaps trekking in a tropical rainforest, Hawaiian volcano, or the Igua?u Falls of Latin America is your dream? Maybe scuba diving in Belize, horse riding in Costa Rica, or glacier trekking in Patagonia is more your style. Are you terrified of spiders and snakes? Your fears are not going to dissolve when you come face to face with them! Do you dream of a mountain bike tour through U.S. National Parks, or scuba diving the Great Barrier Reef? Wildlife and bird-watching tours are very popular, whether you choose an overland safari, trek through the mountains, or bird-watching tour in Panama.

Choosing the best time of year to travel will obviously depend on which hemisphere you are heading for, and what you hope to see and experience. Another vital part of planning an adventure sports holiday is taking out adequate travel insurance to cover all the activities you intend to participate in. Insurance policies vary and the activities you have planned may only be covered on an incidental or casual basis (i.e. not the main purpose of the holiday, such as a safari or sailing holiday). Check the policy wording carefully, and make sure the levels of cover are suitable – especially the medical cover. If in doubt, call and ask. Tropical destinations may mean exposure to extreme heat and humidity.

Horse trekking could leave you feeling as sore and bandy as John Wayne. An inshore sailing trip of the Mediterranean coast may look idyllic – as you picture yourself lounging glamorously on the foredeck in your bikini – but what if you get sea-sick and end up with serious dehydration? Chances are that nothing negative will ruin your trip, but if the worst should happen you will be glad to have the peace of mind of travel insurance – and a 24-hour emergency number to call for help. If your trip might include winter sports like skiing, boarding, dog-sledding or snowshoeing, always check whether winter sports cover is included in your travel insurance policy. It doesn’t cost much to add, and the benefits are well worth it – considering a broken leg while skiing in Colorado could set you back ?20,000+.

A Backpacker policy may be the cheapest choice – as long as you understand the limits on luggage and valuables. So, do you still think you’re Indiana Jones or Bear Grylls? Take a reality check of your abilities and physical and mental shape, then take steps to plan your adventure holiday accordingly. Find the best Travel Insurance policy to cover all the activities you plan to participate in, then forget your worries and go for it!

Jean Andrews is a freelance writer living in the UK. She regularly contributes travel articles for TIA Ltd who offer great deals on http://www.travel-insurance.net

 
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Posted in Insurance

 
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