• 11
  Feb
  2010

• Insured? Not Insured? No Worries with Travel Insurance

  
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The recession is over. The economy has started showing signs of improvement, and with it, business opportunities abroad have picked up considerably. Remember that if you’re planning several overseas trips in the near future, your best bet is an annual travel insurance plan.

Annual long term travel insurance plans typically come with basic annual coverage along with coverage for trip cancellation, travel disruptions and delays, emergency medical expenses, credit card disasters and many more.

Accidents come unannounced. This makes it necessary to remain protected, especially when travelling abroad. Annual travel insurance plans also provide collision damage protection on your rental cars, to ensure that your business trip is smooth and enjoyable. Another mishap that can turn a trip into a bad dream is lost or damaged luggage. Baggage and personal effects coverage provided by an annual insurance plan can help cover the costs of replacement, so you can get on with your trip uninterrupted.

Most annual travel plans are suited for business executives who travel abroad a lot. These plans help the business traveler stay peaceful in the knowledge that all his/her trips are insured automatically. Annual plans are valid for one year irrespective of the number of trips undertaken.

Travel tip: Use the safe deposit locker provided in your hotel room to keep all your important office documents.

• 10
  Feb
  2010

• Protect Against Nature’s Quirks with Insurance

  
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The snowiest winter on record for the nation’s capital is on course. Airports have been shut, offices closed, and the city brought to a virtual standstill. If you were going to travel to that part of the world, now is the time that your trip cancellation insurance will come in handy.

Trip cancellation insurance, which comes packaged with many travel insurance plans, is especially useful for travel to certain parts of the world during winter. It offers relief against cancellation of flights, closure of airports, and cancellation due to the death of an immediate family member. The reasons that are covered by trip cancellation insurance vary by plan.

When you are forced to cancel your trip due to a covered reason, remember that you will need documentation for your reason. So, if it’s the death of a family member, you will need a cope of the death certificate. Even if you purchase “Cancel for Any Reason” coverage, you will still need some proof of your situation.

Most plans do not cover cancellation “just because I felt like it.” Remember that the earlier you purchase trip cancellation insurance, the longer you will be covered. Purchasing the plan as soon as you buy the air tickets might also give you extra coverage, depending on the plan.

Travel tip: In winter, it is always best to purchase trip cancellation insurance for travel that will pass through the snow-friendly regions of the United States.

• 08
  Feb
  2010

• Have a Worriless Spring Break with Patriot Student Insurance

  
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Winter is fading, which means that colleges will be closing soon for the spring break,much to the delight of all the students out there waiting to air their swim gear and head toward the warm and sunny Padre Island. Student travel insurance helps you with a fun-filled safe vacation before college resumes.

The Patriot Student plan gives you the benefit of trip cancellation for any unforeseen condition beyond your control. This plan can be availed by students who are below 25 years of age and who are planning to travel at least 120 miles away from their principal residence.

Patriot Student Travel plans come with coverage up to $5,000 for any unanticipated trip interruption. The schedule of benefits will give a better idea of the reasons for cancellation that are covered under the plan.

Other benefits of Patriot Student Travel insurance include travel delays, lost baggage, doctor visits, and emergency medical hospitalization. This plan also has the benefit of emergency medical evacuation to a city closest to your residence. Many people love this feature of the plan the most.

Travel tip: Always remember to note and keep emergency contact number of persons in your pocket other than a purse, so that in crisis you know you are not alone even when you have been robbed.

• 05
  Feb
  2010

• Humanity Calls, but Leave With Proper Missionary Insurance

  
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Not all missions are planned ones. While most are well thought-out and scheduled, there sometimes emerges a need of such magnitude that there is no time for preparation. However, that is no reason why mission volunteers should skip picking up appropriate missionary travel insurance.

Take, for instance, the situation in Haiti. Scores of churches around the United States have been sending mission volunteers to the island nation. While chaos reigns supreme, these mission volunteers often provide vital assistance during times of emergency. It becomes all the more important that the mission volunteers stay healthy, and that is not just for their well-being.

Falling ill when on a mission can put a strain on the already overstretched resources of rescue efforts. And recall the aftershocks of the earthquake that were felt nearly eight days after the initial quake. Rescue zones are usually areas where danger lurks just around the corner.

Missionary insurance helps by providing the rescue worker with enough coverage against sudden illnesses and accidents. If the volunteer catches a serious infection, treatment might require a sum of money that the mission cannot afford. Nor does it make sense for the missionary to live in fear of the impending illness. Missionary insurance is just the coverage that will help the volunteer work in the confidence that he/she is well protected.

Travel tip: Always follow basic safety health precautions when working on missions. The last thing missions need is an ill missionary.