• 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
  

• 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.

• 30
  Sep
  2009

• International travel medical insurance – basic coverage benefits

  
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When you buy an tourist travel insurance plan, you need to look for some basic important coverage benefits that would be of priority in case of an emergency in any international travel.

Basic travel medical insurance plans cover for accident, illness and emergency medical care. Typically, a comprehensive visitor medical insurance policy should ideally offer the same medical benefits as the domestic medical insurance coverage plans in case the duration of stay abroad is for a long time

The following are some of the suggested coverage benefits that should not be compromised

• In-patient and out-patient admission


• 24-hour emergency medical assistance


• Prescription drugs coverage


• Doctor consultation charges (include the flexibility of consulting a medical practitioner outside the network)


• Surgeries


• Diagnostic tests, Laboratory tests and x-rays


• Dental and ortho-care


• Pregnancy and maternity coverage (for expectant mothers)


• Emergency evacuation and repatriation benefits


• Private nursing care (in case of aged people)


• Accidental death and dismemberment benefits

Before finalizing on the insurance policy, read the terms and conditions and exclusions section of the policy document.

• 29
  Sep
  2009

• Cancelling your international travel insurance

  
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Individuals who want to cancel an international travel insurance policy are generally advised to submit a written request to the insurance provider so that a record or a proof of a hard copy is maintained for future use. In case you do not get a reimbursement or you have any further clarification on this cancellation request, it would be easy to follow it up with the customer service department.

Mention the date on which you are submitting the cancellation request while you draft the letter. Do not miss out on mentioning the policy number, the effective start date of the international travel insurance plan and the number of months the policy has been unused. Request your insurance provider to confirm that the cancellation process has started. Mention the total amount you have paid and the unused premium for which you are requesting the reimbursement.

Sign the letter personally by hand and take a copy of it for filing purposes before you send the same to your insurance provider. Send the cancellation request by certified mail system and request and acknowledgment receipt so that you are sure your request has reached the insurance provider.