• 30
  Jul
  2009

• Ten reasons why individuals who bought international travel insurance were not disappointed

  
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People generally give adequate importance for life insurance, auto insurance and home insurance. But they are generally hesitant about spending a few hundred dollars to insure their travel though the risks are many. The following were some scenarios that many insured were glad that they did not skip buying a suitable international travel insurance plan

10. sickness of the insured or family member which results in cancellation of the trip

9. Need for medical evacuation due to some accidents

8. Inadequate coverage provided by Medicare in a foreign country where immediate medical help was required

7. Loss of personal belongings, stolen documents, theft of cash or cheque

6. Flight interruption or delay where you are forced to stay in a hotel accommodation

5. Tourist operator goes bankrupt and does not provide the service any more

4. Planning to visit a foreign land as a tourist or for business purposes which involves a lot of risks during the stay overseas.

3. You have visitors from other countries who are planning to stay for a short while. Any medical emergency arising during this scenario could be expensive.

2. Cancellation of trips due to some personal emergency or external

1. 24 hour assistance in case of emergencies especially during a visit to a foreign land

• 30
  Jul
  2009

• Trip Cancellation benefits through travel insurance

  
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None of us worry much about the possibilities of cancellation of a well-planned vacation, though it is surely not nil. We start planning on a positive note and if the trip gets cancelled due to some personal emergency, health disorders, weather conditions or forecast warnings at the destination, then one is forced to cancel the trip. The expenses incurred in this condition are huge in addition to disappointment. Under these circumstances, trip cancellation insurance is the ideal answer. This insurance covers all the pre-paid costs of the trip that has been planned during the travel.

Most of the individuals skip this insurance thinking that they would be able to ideally start at the planned date and also that none of their family members would fall sick. This is only an assumption and not a reality.

Trip cancellation insurance comes into play even if the travel agency goes bankrupt! Though the possibilities seem bleak, in the current economic scenario which is highly volatile, the occurrence of any event seems unimaginable!

Generally, trip cancellation benefits are huge in the case of family insurance or group insurance where many people are involved. Especially, if the group is compelled to return earlier than planned due to one or more of its members falling sick at the destination, the recovery of financial loss would be high.

• 28
  Jul
  2009

• Annual tourist insurance for frequent travellers

  
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Insurance providers have come up with policies which cater to frequent travellers who need not keep purchasing tourist insurance plans every time they travel.

A tourist insurance policy is absolutely necessary to protect oneself from travel risks. This includes medical expenses, evacuation, surgeries, treatments, doctor consultation charges and prescription drugs depending on the coverage benefits you choose.

Especially during overseas travel where you may find it very difficult to communicate in case you do not know the local language, the international tourist insurance policy is your only savior. In case you have already bought tourist insurance plan, check whether it provides only domestic coverage or protects you during an international travel also.

Annual tourist insurance policies cover you for multiple trips throughout the year and specify the number of trips covered in a single plan. It is definitely cost effective compared to purchasing individual international tourist insurance policies before every trip.These policies are available for individuals, groups and families and can be purchased both for business as well as tourist reasons.

The minimum distance of the destination trip is specified in every policy and is generally between 20 – 100 miles per trip.On purchasing such annual coverage policies, you can also avail 24-hour assistance from your insurance provider in case of any emergencies.

• 27
  Jul
  2009

• Purchasing Tourist Insurance Online - Tips

  
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Booking your tourist insurance online has a lot of advantages. The policies get booked in a few minutes within a few clicks of the mouse. The reminder notice for renewal reaches your inbox a few days before expiry and renewal is very simple. You save a lot of time, paper work and travel.

Try and locate and online insurance broker. He would narrow down your options by studying your requirements and help you to finalize a suitable policy at affordable prices. He would be aware of deals and the various ways to reduce the cost of purchase.Read the “about us” section in the website.

Browse around for customer reviews, feedbacks, client list, experience, rating of the company in the market, customer-friendliness, fastness in processing claims, number of complaints filed and resolved, etc… which establishes the credibility of the company.

The FAQ section is another useful page to go through that may answer critical questions and the terms and conditions under which the company deals with the customers.

Gather information as to which company has underwritten the policies.

Look out for free-quote forms to receive instant pricing over email.

Buy from a site that has secure payment mode.

This would ensure that sensitive information does not reach the wrong hands.