• 26
  Oct
  2009

• International Travel insurance - Coverage options

  
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There are various unforeseen travel risks covered by tourist travel insurance plans

• Air travel insurance offers coverage for medical expenses and transportation assistance required in case of a plane crash
  
• Trip interruption and cancellation insurance plans come into effect once the trip gets cancelled or postponed due to unforeseen circumstances. These insurance plans cover the cost of expenses incurred while booking advance for various travel aspects like accommodation, package deals, etc…
  
• Tourist medical insurance plans covers the expenses incurred for medical assistance which includes any illness or injury during the stay abroad. The pre-existing conditions are handled differently depending on the plan and the policy document highlights the necessary details
  
• Baggage cover protects in case of any lost or delayed baggage and covers the cost of purchasing the bare essentials which may work out pretty expensive in a foreign land
  
• Accidental death and dismemberment coverage covers for flight accidents or crash and the death of the insured during public transportation
  
• Adventure sports coverage reimburses costs incurred due to any accidents or injuries while practising hazardous sport activities. Local transport to the nearest medical set up or emergency evacuation is also generally taken care as a part of the plan
  

• 12
  Oct
  2009

• Purchasing international health insurance for an abroad trip

  
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People who are already having domestic health insurance coverage through Medicare, Medicaid or employer’s health insurance plan are often confused whether they need to purchase an tourist health insurance plan if they are planning a trip abroad.

Note that these domestic health insurance plans may not be very beneficial for international travel as the coverage they provide in case of medical emergencies are quite minimal. In some cases like medical evacuation assistance, the compensation is negligible compared to the actual expense you would incur!

Hence, if you already have health insurance coverage, check the insurance policy document and gather information about whether the coverage is available only in the native land or you are eligible for benefits outside your home country also.

In case you are not covered outside your native country, it is essential that you purchase a specific tourist travel insurance plan which would cover the travel risks during your stay abroad.

Note down the emergency helpline number before you leave for your travel so that you can directly contact them for any assistance in case required.

• 09
  Oct
  2009

• International Travel Insurance for backpackers

  
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Backpacking is a great way to spend a holiday when you are planning on an adventurous activity oriented trip rather than relaxing on a beach while staying at luxurious accommodations.

However, backpackers should be aware of the fact that travel risks in this kind of a holiday is quite high and hence, they should covered by an appropriate tourist travel insurance in order to have a safe trip.

Medical emergencies that may crop up suddenly, injuries or accidents that may involve emergency evacuation assistance could cost you very high and result in a financial burden. If you are going on a backpacking abroad, your domestic health insurance plans would not help you in these cases. Hence, it is advisable to buy an tourist medical insurance while planning on such a trip.

Backpackers should also ensure that their international travel insurance policy should cover for adventurous sports activities that are planned during the trip. For example, if you are planning on skydiving or snowboarding, ensure that any emergency that arises during these activities would be covered by your policy.

• 05
  Oct
  2009

• Risks covered by international travel insurance

  
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International travel gives rise to a set of problems that are unpredictable but not uncommon. Every year, there are cases documented, registered and filed where insurance covers have protected a lot of people from getting into huge financial burden.

Hence, tourist travel insurance serves as a protective shield for some of the known travel risks and covers the insured for these problems if they are in need

Some of the common risks of international travel include

Baggage loss or delay

Trip interruption / cancellation

Delayed or cancelled flights

Accidents, illness and injuries

Sudden death of the insured due to unforeseen emergencies

Theft or loss of belongings like wallet, expensive items, medications, travel documents, passport or ID card

Injuries during adventure or winter sports and other hazardous activities

War, terrorism, crime or civil unrest in the destination country

Emergency medical evacuation requirements during certain unexpected exigencies

Disruption of trip due to undesirable weather conditions

For individuals requiring most of the above coverage, it is beneficial to buy a comprehensive policy. Otherwise, you can choose a basic international travel insurance plan and pick and choose other components as rider policies.