http://www.ztourists.com//blog Blog for Tourists visiting USA en insurance@itourist.org Copyright 2010 2010-09-04T04:41:42+00:00 http://www.ztourists.com/blog/grand-canyon-accident-shows-the-need-for-tourists-insurance/ http://www.ztourists.com/blog/grand-canyon-accident-shows-the-need-for-tourists-insurance/#When:04:41:42Z Earlier this month. you may have heard the story of an international tourist who became injured in an accident at the Grand Canyon national park in the United States. This type of incident reminds us all that even on fun-filled vacations, injuries and accidents can occur, leading to a need for tourists insurance. In this particular incident, a teenage French tourist was attempting to a take a photograph at the Grand Canyon, and he fell down into it after stumbling. Thankfully the young man survived what could have been a tragic event. However, he did have to visit a local hospital for injuries involving his neck, wrist, and ankle. When you think of tourists insurance, you may assume that such coverage is only needed for long vacations or trips to dangerous areas. But as you can see form this story, even a simple visit to a landmark can suddenly end with you in the hospital. And if you do not have the right type of insurance, your hospital stay could be costly to more than just your health. With a tourists plan, you can get the high quality care you need at an affordable rate. It will offer you international protection that standard group health plans like the one offered by your employer typically does not. Keep in mind that even the simplest activity can lead to accidents and injuries, and that it is always best to be prepared. Blogging 2010-09-04T04:41:42+00:00 http://www.ztourists.com/blog/tourists-travel-insurance-plans-deliver-comprehensive-coverage/ http://www.ztourists.com/blog/tourists-travel-insurance-plans-deliver-comprehensive-coverage/#When:03:19:10Z International travel can be an anxiety-filled experience without proper preparation. If anything goes wrong with your travel experience, be it health problems or airline problems, are you properly equipped to deal with them on your own? The answer is likely no, which makes tourists travel insurance plans extremely valuable. If you can imagine a problem that could occur during international travel, than it is probably covered by tourists travel insurance. For example, dental coverage, emergency medical care, evacuation, death and dismemberment, and repatriation of remains are all covered under these plans. You can see it covers a wide spectrum all the way up to the most severe possible incidents. Without insurance, the costs for something as simple as an ambulance ride or prescription drugs could cost you hundreds of dollars. But with a tourists travel plan, those costs will be greatly reduced, relieving the stress that comes along with that financial burden. Many other types of international insurance policies do not cover this wide range of incidents. The last thing you want during travel is to run into an emergency situation and find that your problem is not covered by your policy. Could anything be more frustrating? Well, you will not have to worry about that type of problem with a tourists plan, thanks to its comprehensive suite of coverage. Blogging 2010-08-28T03:19:10+00:00 http://www.ztourists.com/blog/why-purchase-tourists-insurance/ http://www.ztourists.com/blog/why-purchase-tourists-insurance/#When:05:48:09Z As you are preparing for an international trip, you are likely running through a checklist of items to take care of before departing. You will make sure your travel arrangements are finalized and have not changed since you last confirmed them. You'll make sure your passport and any other travel documents are in o der. But did you make sure to arrange for health care coverage? If you have not already done so, you will want to research tourists insurance. Many international travelers do not realize that the insurance policies they trust in their own country will not be accepted overseas. Network restrictions and other factors necessitate the purchase of additional plans to make sure you have coverage abroad. Tourists insurance addresses this need, and keeps the cost of getting the medical attention you need affordable. Rather than paying hundreds or even thousands of dollars in medical fees as an uninsured visitor, you will be responsible only for a small fraction of the total costs incurred. And it does so with a relatively small upfront investment. Plans can cover anything from emergency care to needed prescriptions. Check with a plan representative for a detailed list of what is and is not covered. Whether you are heading abroad for business or pleasure, the last thing you want is to have not only the stress of an unforeseen health problem but also a large medical bill accopmanying it. Blogging 2010-08-21T05:48:09+00:00 http://www.ztourists.com/blog/tourists-insurance-offers-robust-coverage/ http://www.ztourists.com/blog/tourists-insurance-offers-robust-coverage/#When:05:41:38Z In speaking to a friend who was preparing for a two week tour of Europe, I of course asked if he and his wife were planning on purchasing a tourists insurance policy. To my surprise, he responded that he was not planning to because he thought that kind of coverage was for emergencies only. This assertion could not be further from the truth; tourists plans are actually quite robust in terms of what they cover. While you can use tourists insurance to cover emergency room visits and ambulance services, you can also use it to pay for doctor and hospital bills that you incur during your travels. You can also obtain coverage for many types of dental problems, and prescription drug fees. That can be especially helpful, because who in their rush to pack for a trip has forgotten to bring their prescriptions? Many people do all the time, and paying full price for a prescription can get quite expensive. Additionally, this type of insurance will help you in extreme circumstances. This may include a personal circumstance like accidental death or dismemberment, or a nationwide event like the evacuation of the country you are visiting. Without the help of insurance, the costs associated with these catastrophes can be significant. So be sure you understand that there is much more to this type of insurance than simply covering an emergency visit to the hospital. These plans are designed to help you in a variety of situations that may arise during your time abroad. If you already have a plan, be sure to discuss what is and is not covered under your plan with your representative. If you are shopping for a plan, use these features as a guideline to get the best possible coverage. Blogging 2010-08-14T05:41:38+00:00 http://www.ztourists.com/blog/be-prepared-with-touring-insurance/ http://www.ztourists.com/blog/be-prepared-with-touring-insurance/#When:07:30:19Z Traveling internationally is an exciting and educational experience, but the truth is it can be a dangerous one as well. Some dangers of international travel can be predicted and therefore avoided, but some simply cannot be anticipated.Knowing this, it is important for anyone embarking on international travel to invest in touring insurance. An enjoyable vacation can take a turn for the worst in a hurry, thanks to hazards like illness, accidents, and injuries. Whether one of these problems leads to a minor injury or something as serious as death, it is important to be prepared for the resulting expenses that come from these issues. Touring insurance provides affordable medical care to tourists. But that is not all it offers. You can also protect yourself and your family against the high costs associated with evacuation, travel emergencies, and even accidental death. Life insurance and travel insurance coverage can be included in these plans for a robust insurance solution. These plans will absorb the high costs associated with activities like visiting the doctor, rebooking flights, staying in hospitals, and having remains expatriated to your home country. While you certainly hope to not be faced with any of these scenarios, they are still very real possibilities, and it is imperative that you take measures against them. This type of insurance can easily be purchased online at very affordable rates, allowing you and your family peace of mind during travel. Blogging 2010-08-07T07:30:19+00:00 http://www.ztourists.com/blog/why-buy-tourists-insurance-online/ http://www.ztourists.com/blog/why-buy-tourists-insurance-online/#When:02:26:03Z Tourists insurance is a wise investment for any traveler. If a medical issue arises, it can save you hundreds or even thousands of dollars, and can make it much easier to find a qualified doctor. But if you really want to maximize your savings, you need to make sure you choose a policy wisely. And the best place to find the perfect tourists insurance policy is online. One great reason to buy tourists insurance online is because you can comparison shop multiple plans and providers to find the best available deal. Many plans will have prices available on their web sites. And if they do not have a price on the site, they likely have a free no-obligation quote that you can request to get a customized price. Additionally, while looking at price you can also compare each plan's features side-by-side. Does a plan have more coverage than you really need? Then don't spend extra money on it. Does a plan have too little coverage for your liking? Then make sure you upgrade to something better. This takes all the guesswork out of buying policies, as you will know exactly what is and is not covered. Finally, the internet is a great resource for finding unbiased consumer feedback. You can find reviews of specific policies and providers, so you who is worth your time and money and who you are better off avoiding. You may even be able to find forums or chatrooms to discuss these purchases with other people who have also bought them. This is just another way to help you make the best investment you can. Blogging 2010-07-31T02:26:03+00:00 http://www.ztourists.com/blog/tourists-insurance-will-keep-you-smiling-when-dental-emergencies-occur/ http://www.ztourists.com/blog/tourists-insurance-will-keep-you-smiling-when-dental-emergencies-occur/#When:05:33:17Z When you think of the sorts of medical problems that can arise when traveling, what comes to mind? Getting food poisoning? Becoming ill from being exposed to tainted water? Or maybe spraining an ankle while participating in an activity? One common problem which can prove quite expensive is a dental emergency. You will definitely want to be sure to have tourists insurance to cover any such events. Dental emergencies can occur at any time while traveling from a number of different events. Perhaps the most common cause would be auto accidents, as the force from a steering wheel or other object colliding with your head can knock teeth loose or out entirely. Without insurance, the cost of emergency dental care, especially surgery, can be extremely high. You will have to pay full price for the care itself, including everything from anesthesia to the time the dentist and hygienist spend working with you. This bill can quickly total hundreds or even thousands of dollars, and you probably didn't budget for that extra cost in your vacation planning. Tourists insurance programs will help minimize those costs, covering the majority of fees associated with dental emergencies. Be aware that routine dental care is not covered under these plans, as they are just designed to help you when unforeseen problems occur. Be sure to consult your plan representative before making any insurance claims. Blogging 2010-07-24T05:33:17+00:00 http://www.ztourists.com/blog/ready-with-insurance-or-not-accidents-happen/ http://www.ztourists.com/blog/ready-with-insurance-or-not-accidents-happen/#When:10:02:10Z Purchasing tourists insurance is always a great idea, as accident-prone Jane found out. Having traveled without any form of insurance for foreign travel, experience taught her that it is always best to travel with insurance. Accidents can happen anywhere, and to anyone. When she went for a trip to Brussels, she had taken her usual tourists insurance and sure enough, on board, she happened to be standing up when the airplane hit a rough patch and she fell down heavily, breaking her ankle bone. She had to have an ambulance waiting when she landed and had to be immediately taken to a hospital to get it set. During the trip, she had to employ a chauffeured car during the entire stay due to her injury and as luck would have it, her car met with a head on collusion with another car, resulting in considerable damage to the car. Thankfully, she was spared any injuries this time. Both the accidents were covered under the insurance plan she had purchased and her medical expenses were covered. The repairs to the car were also covered in the insurance and she was able to get the entire amount shown on the Confirmation of Coverage for this. So, regardless of whether you are accident-prone or not, healthy or otherwise, it’s best to buy insurance before departing on your trip. Blogging 2010-07-07T10:02:10+00:00 http://www.ztourists.com/blog/the-terms-and-conditions-of-a-tourist-insurance-plan/ http://www.ztourists.com/blog/the-terms-and-conditions-of-a-tourist-insurance-plan/#When:17:27:07Z An informed buyer is the best buyer, as he not only makes the best choices for themselves, but also helps insurance companies to create plans and products that will really help the consumer. This is especially true for tourists insurance. Let’s look at some commonly used insurance terms that you might have come across. Actual cash value refers to the purchase price less the depreciation. Covered expenses means the expenses you incur for medical reasons, including services, supply, care, and treatment. These are usually provided by the attending physician. A family member means you or your traveling companion’s spouse , parent, guardian, children, grandparents, uncles, aunts, etc. However, individual plans may have different definitions of the term. Usually, all family members must reside in the United States, Canada or Mexico. A traveling companion means the person who is accompanying you on your trip. However, a group or team leader of a group is not considered a traveling companion unless they are sharing a room with you. Sickness means an illness or a disease which is diagnosed and treated by a physician during the insured period. A land/sea arrangement means any activities on land or at sea that you do when you are still covered. A travel supplier refers to the tour operator, cruise line, or hotel who has made all the sea/land arrangements. Blogging 2010-06-30T17:27:07+00:00 http://www.ztourists.com/blog/not-just-tourists-insurance-but-an-extended-tourist-service/ http://www.ztourists.com/blog/not-just-tourists-insurance-but-an-extended-tourist-service/#When:15:35:15Z A tourists insurance plan is usually purchased without much thought when there are so many other things to take care of—hotel bookings, availability of facilities if one is going on a business trip, and a host of other little arrangements. However, some insurance plans for tourists offer more than mere coverage during travel and the trip, reaching beyond baggage and health protection. They also offer travel assistance services that are perfect for the busy traveler. The services include restaurant referrals and reservations, which include dining reservations made on your behalf at your availability. You can also arrange for transportation even before you reach your destination to reach you to your hotel from the airport, and from your hotel to business meetings and excursions. You can also book tickets for events that you want to attend. You can schedule tee times with recommendations for courses, and have floral bouquets delivered so that birthdays and special events are not missed even if you are on a tour. You can also have recommendations and assistance for emergency and last minute travel changes, rebooking flights, hotel bookings, ground transportation, and so on. You can also track lost luggage with the help of the insurance services. Blogging 2010-06-23T15:35:15+00:00