• 12
  Oct
  2009

• Customized international travel insurance policies

  
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Various international travel insurance policies have been designed customized to the needs of different kind of travellers.

Frequent travellers are recommended annual multi-trip travel insurance plans with worldwide coverage. Senior citizens over 65 years old need to opt for specialized travel insurance plans which cover pre-existing medical conditions also.

Adventure enthusiasts can add on various rider policies or purchase international travel insurance plans that cover the hazardous activities that have been planned during the trip. Backpackers have special travel insurance plans that cater to the specific travel risks.

Group travel insurance and family insurance plans cover a set of people under the same insurance plan at subsidized premium rates. The premiums are calculated based on the age of the primary insured member as well as the services that are opted for coverage.

In general, emergency medical assistance all through the year, evacuation and repatriation, baggage cover and trip cancellation benefits are some of the most common coverage people look for in any international travel insurance plan.

With the huge choice of insurance providers offering various benefits in international travel insurance, it is mandatory for the individual to do enough groundwork before finalizing on the insurance plan.

• 09
  Oct
  2009

• Claiming insurance for lost baggage

  
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Getting reimbursed for your lost luggage could be a tedious and lengthy process. Lot of time and sometimes money would go in to get back your reimbursement. Hence, in the case of losing your personal belongings, evaluate the value of your baggage and decide whether it would be worth your effort. Next, be prepared to deal patiently on this issue as getting reimbursement may take some time.

The following are the immediate steps you need to take in case you lose your belongings

• Report within 3 – 4 hours at the luggage claim helpdesk at your airport. Otherwise, your claim may be denied


• You may be asked to fill in some documentation as well as claim forms by the airlines


• Take a copy of the documented forms for future use with your travel insurance company


• Consult your international travel insurance policy document and find out the timeframe within which you need to file the claim with your insurance provider


• List the belongings that you have lost and its worth.


• Attach the proof of your loss and the documentation at the airport. You may have to fill in some additional documentation required by the insurance company

• 07
  Oct
  2009

• International Travel Insurance Rider Policies

  
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Riders are additional coverage benefits or special provisions that you add to your basic international travel insurance policy in order to cater to your needs.

Rider policies are not a part of the original policy document but can be purchased to enhance your coverage benefits. These coverage benefits enhance your protection greatly for a small additional premium.

Rider policies cannot be bought independently. They can only be added to an existing international travel insurance plan. For example, if an international travel insurance policy meets all your requirements, except covering for winter sports, you can add this facility by purchasing a rider policy than opting for a whole new tourist insurance plan.

Rider policies can also be used to exclude certain benefits! Such rider policies are categorized as waiver policies. In this case, a certain amount of premium is deducted. For example, if you want to opt out of accidental death and dismemberment benefit, you need to specify it as a waiver policy and you would not be reimbursed if you file your claims for this benefit.

• 05
  Oct
  2009

• International travel insurance - Cancellation Tips

  
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Individuals who want to cancel an international travel insurance policy which they have already bought are generally entitled to full reimbursement if they cancel within 14 days from the effective start date of the plan.

Consult the insurance policy document to get further details about the cancellation procedure. Note that some of the international travel insurance plan may not reimburse you any amount after the effective start date of the plan!

The best option to cancel the international travel insurance plan is to submit a written request signed by the primary policy holder. The letter should also be addressed from the policyholder to the insurance provider. For instance, assume that you and your spouse have bought a family insurance plan and you want to cancel it. If the policy is bought in your name, the cancellation request should be addressed in your name and signed by you.

If cancellation is done over email, insist on a written confirmation from the insurance provider for your records. A nominal cancellation processing fee is charged by the insurance provider and this amount is deducted during reimbursement.