• 03
  Mar
  2010

• Trip Cancellation Insurance for the Savvy Traveler

  
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Traveling abroad is a unique experience, and with cost-cutting occurring in many areas, any change in travel plans may mean a loss of substantial money. To avoid this, most international travelers will do well to purchase trip cancellation insurance along with their international travel insurance.

Travel Guard offers many travel insurance plans, among then the Savvy Traveler plan. The plan offers trip cancellation, trip interruption, travel delay and baggage loss and delay benefits.

Apart from these travel-related benefits, the plan also offers medical expenses coverage up to the limit of $10,000. Emergency medical transportation up to a maximum of $100,000 is also covered by the plan. Apart from these basic benefits, the plan also offers other travel-related services such as round-the-clock travel assistance, medical assistance, and legal assistance, and emergency cash transfers and messaging, and pre-trip travel advice.

As with most plans, it is essential to organize the medical evacuation through the insurance company for realizing the benefits. Also, remember to pre-certify any medical treatment you receive, as well as preserve any receipts or documentation that will help you strengthen your case for reimbursement of medical expenses or trip cancellation.

Travel tip: Portable receipt scanners are a good investment in case you travel abroad very often.

• 01
  Mar
  2010

• Pack Rats and Travel Insurance: A Match Made in Reimbursement Heaven!

  
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Are you among those travelers who save everything from a trip, including movie ticket stubs and subway ticket passes? While you may need to tone down saving every single thing, you might be well-placed when it comes to filing an international travel insurance claim!

The travel industry estimates that for every successful claim, there are at least three claims that are not made in total, because the relevant receipts were not sent to the company. So remember to save the important receipts—they will come in useful if you need to file a claim.

So what do you need to save? Save the stubs and receipts of all travel that you make, as well as accommodation reservations. Keep a copy back home, if possible. Save all medical bills and receipts as well, no matter how small the amount. Insurance companies often look for the “whole picture” when deciding the genuineness of a claim made.

If you’ve had any change in schedule or plan, ensure that you save some kind of documentation that proves the change or alteration. If the weather has caused airports to shut down operations, news articles supporting your claim (from reputed news agencies and newspapers) will go a long way in legitimizing your claim.

Travel tip: Avoid the temptation to save every little receipt, including the gum that you bought at the nearby convenience store. Just save the pertinent stuff, but if you can’t remember what’s important, it’s better to save everything!