Monthly Archives: August 2018

Finding the Most Suitable Travel

Travel insurance comparison is a method to be able to identify which insurance companies can give you the right value for your money. You can get premiums over the other depending on the type of coverage you want and the kind of insurance you need from a lot of different companies. Thus, it can be a bit of a headache to read every fine print of these companies’s policy and the worst possible thing that you can do is to choose some company just because you got tired of reading the policy and listening to its agents.

Considering travel insurance comparison matrices, these usually include items such as emergencies and accidents, theft and loss of valuables, medical assistance and evacuation, risks of flight cancellations or delays, and the cost of attaining the insurance policy. There are different types of policies that cover these and there are some which come with other contingencies. Not only do you have to know your insurance need in this case but your budget as well.

Here are the different types of travel holiday insurance including medical travel, single trip or multitrip travel, business travel, and the comprehensive type. You can differentiate them from each other through their specifications. Although there are companies who are willing to customize their insurance plans for you, this means that the prices will go up too.

When you travel and you suddenly get sick, medical travel insurance will cover your medical and dental needs including the medicine and hospital bills. Having this is crucial especially when you fall ill during a trip to some remote area where a medical facility is miles away causing you to miss your scheduled trip back. When it comes to medical insurance, you will be covered for the hospital or clinic that you chose not to mention the kind of medical access or equipment that you wanted to be used.

It is single trip insurance that is valid for only one vacation travel. Other than being comprehensive and covers most of the risk factors mentioned, it is good for one use but you can renew it. In case that you are planning for that long awaited dream vacation then this is the insurance you need.

For travel insurance comparison, the next level is the multitrip or annual type. You have an extension of the singletrip here where the coverage is good for one year no matter how often you take trips. You can have it renewed upon expiry but the premium you will have to pay increases every year to accommodate financial fluctuations such as inflation rate and tax.

Necessary for people who take shorter trips is business travel insurance. Lasting from three to four days is a short trip. Considerations that are important here are the cruise or flight concerns because any delays or cancellations can be detrimental to the travel schedule.

Costing the most are comprehensive policies when it comes to the inputs in the travel insurance comparison table. Sometimes, these have provisions that you do not need and these can be catered by a specific type of insurance policy. After you are able to consider all your options first, you can then sign on to a policy.

Study the different types of insurance available and then go on to the next step which is an apple is to apple comparison. To find the suitable policy, you must give a higher rank to your preferred medical coverage or any other risk factor. Find two of the best options to discuss with your agent and scrap those that did not meet your requirement.

Do You Need Your Travel Agents

Most of us fancy traveling into distant lands and see new places and the present age offers us ample means to fulfill these dreams as well. With the world being turned into a global village, the networking and transportation has gone through a big change and it has made traveling very easy. With the emergence of various travel packages in the market, traveling around the world is no more a distant dream. There are various agencies that are eager to transform your dreams into reality.

Here exactly, the importance of these travel agents comes into the picture. These gentlemen make sure that we should fulfill our traveling dreams and so they provide us with suitable travel deals that suit our budget and also match our requirements as well. With their persuasive tongues and diligence, they convince us about a certain package as the best suited for us, and we silently connive to their decisions and plan our trip accordingly.

Well, no more personal persuasions. As the travel agents have also gone online and they are flourishing in their newly found area of interest. And the customers are going online too. The reason for this exodus is thoroughly justified. First being the amount of convenience which comes with the online booking. You can get a detailed comparison of the various travel destinations that cover air fare plus hotel booking and sightseeing in a suitable budget that varies according to your suitability.

Why is It Vitally Important to Buy a Travel

The high travel season is at the corner now. People from all walks of life around the world are currently busy searching for the best offers of air and land travel, accommodations, vacation packages to suit their dreams, needs and budgets. Some of them have even started to make their reservations.

Here I would like to emphasize one vitally important thing, which is a must to remember when booking a trip, but ignored by a great number of travelers.

Much has been written on the importance of having insurance coverage while you are on a trip, away from home. This is an issue that remains somewhat ignored by many travelers. After all, they have been traveling frequently for many years, and nothing happened so far to worry about. So, to buy a travel insurance should not a be a must. It is only an optional precaution!

But, reality urges us to believe traveling anywhere in the world without protection today, is a vital mistake. Regardless of where you are traveling in the world, you must have an insurance coverage to survive any unexpected attacks and disasters, especially after the 9/11 attacks in the U.S.A.

Let’s say, you have been planning the trip of your dreams for a long time; you have finally found the opportunity to make your long time dreams of a special trip come true.

You are so excited! You have thought of all the details. You have been actively preparing for this travel; thinking, programming, shopping . . . spending a lot of time, money, and energy! You are proud of yourself that you have finally managed to materialize your dream!

Your trip can really be an unforgettable experience from start to the end, on one condition.

When booking your trip, you should have remembered that, like most exciting events in our lives, travel has some important risks, too. For example, potential medical and/or financial risks associated with travel, can suddenly turn all the excitement and pleasures of the trip to a nightmare.

Your baggage and/or your hand bag with your money, passport, credit cards in, can be stolen leaving you desperate & frustrated in a foreign country.

No one can guarantee that a natural disaster would not happen at the place you would be staying during your trip.

An unexpected accident, injury or illness would suddenly ruin everything. In fact, in the recent years medical costs have increased dramatically, worldwide. How would you be able to pay the emergency medical expenses, expensive hospital bills if you needed an urgent treatment, or surgery and care during your travel when you have lost your money, credit cards, and passport? Isn’t it a real nightmare?

In such a frustration, the only thing you would have needed to survive was a reliable medical and travel insurance policy, wasn’t it?.

Especially in the light of the horrible threats on and after September 11 terrorist attacks, the war on terror, other ruthless terror attacks in Istanbul, Spain, Egypt and London, frequent flight disruptions and cancellations, airlines’ bankruptcies, and more. In addition, travel suppliers such as tour operators and airlines worldwide have made cancellation policies more restrictive.

Therefore, if you have to cancel a trip, it’s likely that a big portion of your pre-paid travel expenses will not be refunded by travel suppliers.

Recent SARS and bird flu threats have also been urging travelers and vacationers to seriously consider to buy a travel and medical insurance.

Travel Insurance types and prices defer from one travel insurance provider to another.

You have to review, compare and select the best offers to suit your personal needs.

For instance, some insurance providers do not offer coverage outside the U.S.A. Some companies do not provide emergency medical coverage and care, while others do.

Some airlines do not accept to be held responsible for the acts of God, weather problems, natural disasters, riots and unrests, SARS, bird flu, and similar outbreaks.

The Insurance types you will need on a trip are reviewed below:

Last Minute Cancellation Insurance

With the last minute cancellation and/or interruption insurance you will get coverage on non-refundable deposits you had made when you bought your travel insurance. Read the fine print on the policy carefully when buying this insurance. You should discuss your personal needs with your insurance agent before buying it.

Medical Insurance

This is one of the most important insurance policies you should have. Buying health and medical insurance must be considered as an important part of your travel budget. You can face a health problem or an accident anywhere and anytime during your trip. Be sure your medical and health insurance policy covers illness, accidents, surgeries, hospitalization bills in the countries you will be visiting, emergency medical transportation to your home country. Please remember to have your policies with you when traveling, leaving the copies of your insurance policies with a relative in your home country, in case the policies you have with you are lost.

Comprehensive Insurance Policy

This policy generally covers emergency medical transportation and trip cancellation and interruption, plus other needs you would expect. This insurance costs 5 to 7 percent of the total cost of the trip. You should have it for your safety.

What types of insurance policies do we need for a full protection?

The Essential Insurance Types offered by most providers are Travel, Last Minute, Medical, Health, Life, Hotel, Cruise, Air, Vacations, Luxury, car insurance, sports, and Spa Insurance policies.

Some travel insurance companies also offer affordable coverage for a wide range of winter sports including Ski, Off-Piste and Snowboarding.

We might need not one, but several types of insurance policies according to the general conditions at the destinations we’re going to.

If your your kids are going with you, many travel insurance providers let them go free with adults.

Some companies provide policies for students, backpackers, cheap travel, holiday insurance, long stay, international, family travel, single travel, annual travel, annual multi-trips, and more. It’s good to know that in this cyber age, you can buy the insurance policies you need online, without even leaving your home.

Most Travel Insurance policies cover Luggage Loss, too.

But you should definitely ask about what’s covered and what’s not when choosing Travel Insurance Policy to buy. Do ask questions, all questions you might have in mind, until you get all the information you need. It’s much better to ask questions when buying insurance than to be sorry later.

How can I find the best insurance type to suit my personal or family needs?

When choosing a travel insurance policy to buy, you should get information on the offers of various insurance providers to compare.

Knowing how time consuming is to search, compare and choose the best travel and medical insurance types and prices to suit your needs and budget, we advice to visit the websites where you can find lists and information about various offers, then compare them, and choose the best ones to suit your needs.

You should keep in mind that buying your travel insurance through travel insurance providers, instead of travel agencies, would save you money in most cases.

Travel Insurance

Why is Travel insurance the least talk about subject, when it comes to planning a trip? We can get all excited and extremely detailed about family vacations, ski trips, exotic cruises, and many other travel ideas and so easily skip over the subject of travel insurance. Now if I were to mention story of the frequent flier, that was use to using this particular airline for all of his travels, and suddenly his airline of choice suddenly went bankrupt,(3 airlines did in 08), what happens to his non-refundable expenses, and furthermore, who will help get him to his destination?

Stories like this often happens and silently goes unnoticed until CNN broadcasts it. Recognizing the importance of travel insurance for any trip should be top priority. Travel insurance is often affordable, with the most basic type of coverage costing just about $5.50 per every thousand covered, why not? And of course prices will slightly vary depending on vendors you choose, but finding cheap travel insurance should be a no-brainer. In fact, travel insurance can be as detailed and catered to any particular trip of your choice. It doesn’t matter if it’s a singles’ trip travel, annual trip travel, holiday travel, cruise travel, airfare travel or any other form of travel, getting coverage is a breeze and very cost effective.

Since discovering why, how, and when to use travel insurance are within your best interest now that you have journeyed this far into the report, lets explore to real value of it. These are some typical situations all covered by various policies. Without insurance, what would you do and who would you call?

  • Your traveling companion’s bag was lost with his asthma pump. He needs help to locate his bag as soon as possible and his emergency prescription filled. Who do you call?
  • It’s 9pm and your mother arrives at the airport for a connecting flight only to find that the flight has been cancelled. How do you get your mother home?
  • Your first trip to Paris and your passport is stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
  • Your airline, cruise vendor or tour operator goes bankrupt overnight. Who will pay for your non-refundable expenses? Who will help get you to your destination?
  • Your spouse is involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
  • Two weeks before your scheduled arrival, a terrorist incident occurs in the city you are planning to visit. Who will pay if you want to cancel your trip?
  • You are at a beach resort in Miami Florida, and are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation?

Selecting the right type of travel insurance can cover all of these situations and lots more. If you think saving $20-$40, is a better deal by avoiding travel insurance and taking the risk of anyone of these unfortunate accidents to occur, then you really aren’t planning to travel.

Travel is an uncertain activity that can often go wrong. I don’t know about you but when I think of travel insurance, this frequent repeated quote comes to mind, “Its better to be safe than sorry.”