• 12
  Nov
  2011

• Travel Insurance and Pre-Existing Conditions

  
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International travel insurance is for covering risks, not covering situations, so it has traditionally not covered people for pre-existing medical conditions. These are conditions that the insured knows they have at the time of applying for insurance. How does international travel insurance exclude these conditions, and why?

Most travel insurance policies won’t pay for treatment that arises out of a condition for which the insured previously was diagnosed, experienced symptoms or had treatment. For example, you suffered a heart attack, you were treated, and you will not be able to find an insurance policy to pay for treatment for a second heart attack unless many years have passed.

If you are fully recovered from your previous condition, you still may not be covered. The insurance coverage generally depends on if you have had any treatment within a couple of years, whether or not you have been given the medical all-clear.

You may be able to get coverage for a pre-existing condition on the payment of a higher premium. If you are older, there are a number of policies that specifically cater for people who have suffered ill health in the past.

• 06
  Nov
  2011

• Benefits of Annual Travel Insurance for Frequent Travelers

  
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If you think the only way to buy travel insurance is separately, every time you travel, think again. Annual travel insurance can be a much more economical and convenient alternative for business people taking a lot of work trips abroad and families who enjoy more than one overseas vacation each year. Annual travel insurance takes the hassle out of buying a separate policy each time.
Annual travel insurance covers you for multiple trips of less than 30 days each. You’ll be surprised at how much your travel insurance bill can add up to if you buy a separate insurance policy each time your travel – with an annual insurance policy you can benefit from some significant savings.

If you take a lot of short trips each year it can be a hassle to purchase travel insurance for each one. There may be occasions when you forget to buy insurance, leaving you open to high medical bills.

Buy one annual policy a year then forget about buying insurance for 12 months. You can concentrate on planning your trips, rather than standing in line or spending time on the phone setting up your policy.

• 30
  Oct
  2011

• Are You Covered For Winter Sports?

  
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Many international travel insurance policies don’t cover you for winter sports activities and the injuries you may sustain while on the slopes. With these injuries likely to result in hospitalization, the chances are high that you suffer large medical bills if you take part in winter sports without international travel medical insurance.

The combination of many skiing and snow boarding injuries being quite serious – like a broken leg or arm - and the quite frequent need for evacuation by air ambulance creates the potential for some serious medical bills. If you’re not covered, you will have to meet this cost yourself.

Many standard policies don’t include winter sports because insurers see them as too risky. You need to check and ask for a winter sports insurance package to make sure you are covered on your winter vacation.

Most policies like this cover skiing and snowboarding. Other policies include glacier trekking, ice skating, riding on snow mobiles and heliskiing. If you think you will be taking part in activities like these, check you are covered before you have a costly accident.

• 23
  Oct
  2011

• Save Money on Your Travel Flights

  
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Pick up a bigger bargain by following some flight-buying tips for your next vacation. There are plenty of travel bargains out there for wise travelers. One thing you shouldn’t ignore, even if you are trying to save money, is travel insurance. A comprehensive international travel insurance policy with trip cancellation cover helps save you money in the event you need medical care or you need to cancel your flight. 

Buy your flights first thing on Wednesday morning (based on the time zone where the airline operates). By Wednesday morning people who bought discount fares when they came out over the weekend, and didn’t pay in the required time, lose the discount fares back into the booking system. You can then pick them up.

Choose to fly mid-week and during the middle of the day – unpopular times and days when the prices tend to be lower. Flying at the end of the workday on a Friday and coming back first thing on Monday is going to be expensive.

Don’t automatically fly from the major airport hub. Consider alternate airports close to the main airport that may offer you a greater choice of discount fares.