• 31
  Aug
  2009

• Buying international travel insurance from agents

  
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Reports reveal that buying international travel insurance policies from travel agents may not be the best all the time as some of them may not introduce you to more beneficial plans or options for commercial reasons.

Sometimes, travel agencies or flight booking sites offer international travel insurance coverage as a part of the package. Though it is generally beneficial and saves you of the various formalities, it is always advisable to scout around the internet for lucky dips, discount offers or beneficial deals that are advertised widely by many reputed insurance providers.

A little more time and patience may help you save at least a few hundred dollars. You may also be able to find visitor medical insurance policies that can be customized to your specific needs.

Holiday insurance is important for every family which plans a vacation, but it is not worth to pay a huge price through your nose if you can get a more specific deal.

In case you are a frequent traveller, look out for an annual multi-trip tourist insurance plan which would cover you for an entire year. Family insurance and group insurance can help you save a few more bucks easily.

• 25
  Aug
  2009

• Baggage cover - international travel insurance

  
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Any traveler going on a vacation carries a lot of personal belongings which may include a lot of valuables, electronic goods and accessories which could really cost a lot. Most of these are quite inevitable and also important. Loss of these belongings could result in a lot of problems.

For example, almost every vacationer carries his portable electronic goods and the related accessories like mobile, music player and other essentials that could help him enjoy his journey. Business travelers may carry important documents that are necessary for work purposes. Other than that, it is common to carry cash, traveler cheque and other necessary travel documents. In case you are attending weddings or any other special occasions, you may even carry the necessary jewelry in your baggage!

Imagine losing such valuables during your transit or experiencing delay in the arrival of baggage during your overseas travel. The cost that you incur in these circumstances are pretty high as you may have to arrange for alternate accommodations and also buy your essentials like clothes and toiletries unless these reach you.

Baggage loss or delays are not uncommon especially in busy airports where lot of flights arrive and depart every few seconds and hence it is necessary to avail this benefit when you purchase international travel insurance for overseas trips.

• 24
  Aug
  2009

• Pre-existing medical conditions and exclusions in international travel insurance

  
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Travelers having pre-existing medical conditions should be very careful especially while finalizing on the international travel medical insurance coverage benefits. Overseas tourists should make sure that the coverage would be suitable for all the members insured under a single group visitor health insurance policy.

The terms and conditions and benefits may generally vary between different policies as well as insurers. For example, some insurers refuse to offer coverage for those patients who have received treatment for an already existing disease or illness in the last 1 year. Other providers may insist that senior citizens over 65 years old should undergo screening tests regardless of whether they take any medication or not.

The premiums of international travel insurance coverage vary dramatically between different insurance providers and hence, overseas travelers having health complications need to spend time to scout around and find a suitable international visitor medical insurance plan customized to their needs.

In addition, many of the insurance providers do not offer coverage for disorder like Parkinson’s disease, multiple sclerosis, HIV patients and many more travelers with complications in their health.
Hence, travelers especially with health disorders should go through the terms and conditions of the international travel medical insurance plan along with the conditions of exclusions.

• 14
  Aug
  2009

• Swine flu panic

  
  Filed Under: News
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Vacations are those memorable relaxing times that you spend with your family. It is definitely a time which every family member looks forward to and should not be compromised as far as possible.

People may have inhibitions to plan a holiday due to the swine flu panic spreading in many countries around the globe. Though it causes a lot of concern, one need not overreact to the situation and refrain from having fun.

You can cover yourself with a suitable visitor medical insurance plan. This would greatly help in case you get into any kind of illness or other medical complications. Most of the insurance companies reimburse any claims caused due to illness that occur during the trip. It is important to safeguard the prescriptions and bills for providing sufficient proof.

Similarly a trip cancellation insurance policy could also be taken as a protective in case your pre-planned trip gets hampered due to some emergency in the last minute. The insurance policy would cover any expenses incurred for advanced reservations of air tickets, accommodation booking, etc… With the onset of winter flight cancellations, delays and travel interruptions may not be uncommon and at this juncture, trip cancellation policies is the ideal answer to minimise the loss of expenses.