• 20
  Sep
  2009

• Handling personal belongings during a travel

  
  Filed Under: Blogging
  0 comments, add yours

Every individual who goes on an overseas travel needs to necessarily carry a lot of very important documents like traveller’s cheque, passport and visa, credit and debit cards, international travel insurance policy, ID card and other materials that make your travel safe and secure.

In addition, depending on the purpose of the travel, there are other personal belongings that may be expensive as well as priceless. Cameras, mobile phones, expensive clothing (in case of wedding or business meetings), jewellery are some of the expensive items that people carry for business, personal or leisure travels.

Though your international travel insurance policy may offer coverage for loss of personal belongings, you need to provide sufficient proof that you had not handled your belongings irresponsibly. For example, if you leave any of your valuables unattended during travel and you lose them, your insurer would not reimburse any amount.

The companies expect you to store your valuables in a safety locker. Similarly loss of valuables from an unlocked baggage is considered irresponsible handling and hence you would not be reimbursed.

• 17
  Sep
  2009

• Precautions for a safe travel

  
  Filed Under: Blogging
  0 comments, add yours

Overseas travelers need to take certain precautions during their trip abroad to ensure that they can stay healthy and have a safe journey.

Visit your physician and take the necessary vaccines that you may require in order to protect yourself from various diseases

Be informed about any health risks, epidemics or weather conditions in the destination country

Check up with your embassy and get the list of recommended medicines to carry

Buy a suitable international travel medical insurance plan to protect you in case of any exigencies during your overseas trip

Make sure your international travel insurance policy covers all the specific needs of your trip (like trip cancellation, adventure sports, emergency evacuation, loss of personal belongings)

Carry a travel medical kit for your first-aid needs along with the prescription medications

Do not forget to carry the insurance ID card, emergency helpline number as well as a copy of your travel insurance policy documents

Avoid consuming uncooked foods during travel and be careful of what you eat and drink

Keep your body hydrated, catch up on your exercise routine whenever possible and ensure that you take adequate rest so that you are not too exhausted.

• 15
  Sep
  2009

• Small print of the international travel insurance policy

  
  Filed Under: Blogging
  0 comments, add yours

Though many of the international travel insurance policies have standardized benefits, it is very important to note that the coverage benefits, amounts and the region of coverage can vary greatly.
In order to ensure that you do not get shocking surprises ultimately, here are a few questions to look out for when you read the small print

Multiple Excesses: This is a tricky factor of any insurance policy. You need to check the amount you have to bear per claim. For example, if you lose a purse containing a camera, it is considered as losing two items and not one!

Medical coverage: Some insurance policies offer emergency medical assistance only in certain countries. For example, coverage may be available only outside a certain country or it may come with a lot of restrictions if you are in your home country. Check for this condition in the small print

Baggage cover: Check whether stolen belongings or theft of your personal belongings would be reimbursed in case you are looking for a baggage cover and also the maximum amount you would be reimbursed

Emergency Assistance: Check whether emergency assistance is available as a part of the policy or is an optional benefit

• 14
  Sep
  2009

• Budget holidays

  
  Filed Under: Blogging
  0 comments, add yours

Holidays need not be thought as a period where you need to spend lot of money or get stressed in the hustle and bustle of airports and bad weather if you are unlucky.

With the current global economic crisis, many people are lost in a way as to how to spend a vacation this year with the families. Probably, expensive holidays may not be affordable by many, but one need not think of compromising the valuable time that you spend with loved ones. You may enjoy a vacation near your home if you can think out of the box.

Travel to nearby places: Not many people realize that they take pains to travel long distances and enjoy sightseeing far away from their home. But how many of us have explored the beautiful spots that are present near our homes?

Avoid flying: You can look at going on a holiday by taking alternate means of transport. Driving is a great option but resort to safe driving practises within the speed limit. Avoid getting drunk while planning on a drive.

In case you are planning to travel outside your home country, do not forget to purchase a suitable tourist insurance policy.