Travel Insurance Blog
Friday, February 03, 2012
- 29
Jun
2010 -
Different Insurance Plans for Different Needs
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When it comes to travel insurance, there is no such thing as a one-size-fits-all plan, mainly because of the vast differences in travel plans, individual life styles and different reasons for taking the trip.
Let’s say Stanley is a businessman who needs to go on international trips frequently for business reasons and there are many times when his trips are interrupted, canceled, or changed. He carries costly equipment with him and has to use Internet facilities in the airport when his flights are delayed. He can customize his international travel insurance to fit his needs.
The Adams go to a different country each year for a holiday and would like an insurance that would cover the costs of pet care while they are gone. They might, for example, want to choose a plan that takes care of the costs of pet care and kennel services, in case the trip is delayed.
John likes to have all bases covered before he goes on a trip and would like to ensure that things like nursing assistance are covered should he find himself alone and sick in an unfamiliar place. There is a package with higher medical coverage and extra services for such travelers, which John might be better off purchasing.
- 23
Jun
2010 -
TRIP Insurance That Makes Travel Stress-Free
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There are a hundred things that can go wrong when you are on an international visit, and sometimes they do go wrong. Though it is not possible to insure against these incidents happening, their financial impact can be guarded against by purchasing adequate international travel insurance.
Eve, an apprehensive traveler, had organized her trip carefully for a holiday to Egypt. Needless to say, that included travel insurance. But on the day of her flight, the fog delayed the flight and then the airlines company had to finally cancel the flight. She had to fly again after a few days and when she arrived in Cairo, found that the luggage she had checked in was lost.
In Egypt, she had a minor medical emergency when she fell down from a camel and had to be hospitalized for a day for observation as she had an injury to her head.
On the last day of her trip, when she and her husband were going to the airport, her purse that contained her passport and tickets was snatched by a thief and they had to wait for another two days before they could make arrangements to fly back. However, she hardly felt the pain financially; as all the above were covered under the Patriot TRIP® plan that she had bought as part of her travel plans.
- 16
Jun
2010 -
Jane’s Adventures with Travel Insurance-IV: Protection for Two!
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Jane Wanderlust’s next travel is only going to involve her lazing around; yet, she wants to purchase adequate travel medical insurance for herself. Why isn’t she off skiing or bungee jumping? The reason is that she’s pregnant—and will be nearly 20 weeks along when she travels.
Many international travel health insurance plans exclude complications arising out of pregnancy from travel medical coverage. In fact, even some airplanes do not allow passengers who are close to their due date to travel on their aircraft.
However, Jane’s travel insurance plan from the Atlas Travel Series offers coverage for complications arising due to pregnancy within the first 26 weeks of gestation. That means that if Jane, when traveling, suddenly suffers a complication in her pregnancy, she will be covered for treatment related to the pregnancy.
The coverage ends after the 26th week of gestation. Many medical experts are of the opinion that a baby born before the 26th week has little to no chances of survival outside the mother’s womb. With her Atlas Travel insurance plan, Jane and her baby are both covered!
- 11
Jun
2010 -
With Insurance, Missed Connections Need Not Mean Missing Money
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Recently, as everyone is probably aware, several flights from Europe to different parts of the world were delayed, due to the earthquake and the high concentration of ash in the atmosphere. Travelers who had taken an international travel insurance plan with Travel Guard’s Pack n Go did not worry at all.
These travelers waited out the delay in the comfort of hotels near the airport, carefully preserving their bills for the stay and the food, which they later submitted and got reimbursement for.
Some of the travelers with the Pack N Go travel insurance had to change their flights once the flight services were resumed. This meant that they had to go to a different airport and buy new tickets at another airline services. They were given the cost of the transportation and also the cost of the new tickets, which were of the same class as the earlier tickets.
There was the inevitable confusion about the baggage and some of it was misplaced in the delay and the missed flights and transportation. The coverage of all the baggage that was lost or misplaced continued till the issue was resolved and the baggage was restored. If the baggage was lost, the compensation was also given. Apart from the loss of time, the travelers did not suffer anything else.
Travel tip: Before assuming that your flight is delayed, though, always check that it is indeed the case. Even if all airlines are cancelling flights, your airline may offer you an alternate route, which means that you cannot always claim reimbursement.