• 23
  Aug
  2009

• Travel insurance coverage types

  
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Travellers can choose from a variety of visitor insurance policies which offer different coverage benefits suitable for various categories of tourists. If individuals plan to travel just once in a year, they can opt for single trip tourist insurance plans. Frequent travellers may be able to save a lot of money with annual multi-trip policies. In addition, people can choose between fixed benefits visitor insurance policies and comprehensive coverage benefits in the tourist insurance plans.

Tourists who are planning to travel to Europe or Canada can specifically opt for European travel insurance and Canadian travel insurance respectively in order to save on the premiums. Otherwise, if the travellers choose to visit multiple countries in the same year, they can choose visitor insurance plans with worldwide coverage.

Travellers going in groups generally find group visitor medical insurance plans very beneficial. Similarly family members including spouse and dependant children can be insured together with a family visitor medical insurance plan.

Coverage limits and benefits depend on the different policies and insurance providers who are offering the same. Trip cancellation benefits, adventure sports coverage, war and terrorism coverage, baggage cover, expatriation and emergency evacuation benefits and various other rider policies are optional coverage that the overseas can opt for to address the different travel risks.

• 20
  Aug
  2009

• Overseas business travel inevitable

  
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Businesses cannot skip sending their employees overseas as it is vital for attracting potential clients, marketing their products and services efficiently and also establish long-term customer relationship.

With the financial crisis on the horizon, the number of business travel bookings has come down and also people opt for economy class travelling as opposed to business classes which brings a significant drop for the airline profits. Travel companies are confident that the situation would revive over time as business travel is highly inevitable. Hence, lot of beneficial packages and products have been introduced.

The trend is expected to change especially for long flight journeys where companies would still send their employees in business class and probably cut the accommodation expenses during the overseas stay.Insurance companies are no-less in their creativity as they have introduced a lot of tourist insurance plans by which the companies can cut down expenses by purchasing group health insurance.

For travellers taking their family abroad if the duration of stay is longer, family health insurance is extremely important.Many people prefer annual health insurance policy as it is highly suitable for frequent travel either for business purposes or for leisure. The comprehensive coverage benefits offered by these visitor insurance plans are attractive and save on purchasing new travel insurance policies frequently.

• 19
  Aug
  2009

• Hidden costs of online flight tickets

  
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Beware of the additional charges that you may have to pay if you book your flight tickets online using a credit or debit card.

In the past 18 months, the price that the flight carriers charge you for booking online has soared by more than 600%! While some airlines charge per person, others charge per transaction. Some of the flights do not charge for debit card transactions. With these additional charges, ticket costs work out pretty expensive.

The reason that the airlines state for the increase in the prices is that the airlines need to pay a price to the bank for accepting payments through credit or debit cards and this cost is now transferred to the customers. However, some of the card holders like Visa Electron are not charged but these are typically not too popular overseas.

Considering the fact that these flight carriers never charged such a fee in the last 18 months, the big question is, are they using this as a way to increase their profit margins during the tough economic times? However, the victims to these gimmicks are none other than the customers who are already facing a challenging time with their financial situations during this global economic crisis.

• 17
  Aug
  2009

• International travel medical insurance for senior citizens

  
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Many older people are insecure to travel as they fear that their old age may put them in serious health complications especially in a foreign land. They are also relatively less confident than the younger generation to boldly face the other travel risks like stolen baggage, trip delays and other possible interruptions during a travel.

In order to relieve the senior citizens of these insecurities, there are various international visitor medical insurance plans designed specifically for these overseas travelers with excellent coverage benefits. Many of them charge higher premiums as compared to younger adults as the possibility of health complications are higher for this section of travelers.

Most of the tourist insurance policies mention some special conditions for people who are typically above 65 years old. These conditions need to be met to be eligible for the international tourist insurance plan. It is important to go through the section of your insurance policy which deals with pre-existing medical conditions to see whether the international travel medical insurance policy is suitable for you.
The internet provides a huge list of insurance providers who are ready to provide coverage to these travelers and help them to relax and enjoy their second childhood. Senior travelers can do adequate research on the internet and finalize a beneficial international travel insurance plan prior to their trip.