• 20
  Jul
  2009

• Insurance for cruise travellers

  
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A cruise experience sounds exciting for many and one can look forward to incredible food, pampering and entertainment. However, cruise travellers should be prepared for any medical exigencies and protect themselves from the possibility of incurring expenses due to medical treatment in case of any injury, illness or evacuation needs.

According to a survey, about 18% of the cruise travellers get injured and about 69% of them need immediate medical help. In addition to hangovers and sunburns, there are a variety of serious medical conditions that may arise and medical care is available overboard for the travellers.

Some examples of serious exigencies include stroke, traveller’s diarrhoea, respiratory tract infection, broken hip, sprained ankle or even heart attack. Hence cruise travellers are advised to undergo general routine physical examinations and be up-to-date with recommended immunizations before travelling.

In addition, it is important to avail tourist insurance coverageon cruises for evacuation and medical exigencies as sometime, medical helicopter ambulance is needed for disembarking certain passengers in case of diseases that may be life-threatening or communicable in nature.

The insurance plan should also provide worldwide assistance throughout the year and also cover medical transportation. Communication of the treatment should be reported to doctors at the homeland of the insured and assistance may be required to send any important messages to friends and families when required.

• 19
  Jul
  2009

• European Health Insurance Card – not a replacement for tourist insurance

  
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With the economic downturn at its peak, people are cutting down the duration of the vacation as well as the coverage benefits on the tourist insurance policy in order to save money on insurance coverage premiums that have reached a skyrocketing level in the recent years. This is however not a diligent step considering the fact that the health care costs is on the rise continuously every year as well as medical expenses outside your homeland could be too expensive for you to handle from your personal pocket.

The average claim for health care is increasing every year and this phenomenon is expected to continue for a few years to come due to further expected increase of health care costs. People travelling to Europe should not rely only on EHIC - European Health Insurance Card as this is useful to cover only the basic costs and may not be sufficient for other unforeseen circumstances like medical evacuation. This cannot serve as a replacement for tourist insurance plans which offers more extensive coverage for severe medical exigencies which cannot be handled at a personal level by an average working class citizen.

Hence, every traveller should consider availing insurance coverage for him and the entire family through a tourist insurance plan that would suit the appropriate needs.

• 19
  Jul
  2009

• Insurance for adventure sports in the US

  
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Many adventure sports are common in the US, two of the most popular ones being skiing and snowboarding. Winter sport enthusiasts love their time and experience in the snow but unfortunately every year, injuries and accidents are quite common while practising the sport.

More than 40 serious injuries occur during skiing and snowboarding according to the reports released in the year 2007. Skiing and snowboarding related deaths are also not too uncommon. The fatality is found to be more in men than in women.

Accidents may occur due to collision with other sport enthusiasts during the adventure sports session. Most of these causalities can be avoided by limiting the speed, stopping in safe places and following the warning signs. Wearing a good quality helmet is an absolute must while practising these dangerous sports. It not only reduces severity to a great extent, but also protects the head from collision, fall or injuries.

In case of collision, you have to seek immediate medical attention even if you do not exhibit physically visible signs of injury. There is high possibility of internal head injury or bleeding which may be diagnosed at a later point of time when it may be too late to treat or become too serious medically.

In addition, while planning for an adventure sport vacation, every tourist has to adequately buy coverage for adventure sports in order to protect himself from incurring huge expenses due to any injuries, medical treatment or evacuation necessities.

• 19
  Jul
  2009

• International Student Insurance Plans

  
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The preparation for students who want to study outside their homeland is more than packing the travel documents and their personal baggage. They should be prepared for any unforeseen emergencies or risks during their stay abroad, during their duration of stay either for a semester or a whole year. In fact, they should be aware to expect the unexpected during their overseas stay where they may even have to extend their stay for a short period of time or come back to their homeland before their planned duration due to some personal emergency.

To protect themselves from the travel risks, every student have to avail coverage through the international student health insurance plan. This would be a huge blessing in case of any emergency medical treatments required where the insurance provider would take care of paying the expenses incurred directly to the hospital in case the insured has availed the direct claims benefit. Comprehensive coverage of medical exigencies is highly recommended during the stay abroad.

You can even contact your university where you have got admission in order to finalize from the list of insurance plans that they would recommend. A comprehensive research on the internet would also enable you compare the prices and benefits and finalize on the insurance provider and the international student insurance policy you may want to buy.