Travel Insurance Blog
Friday, February 03, 2012
- 04
Feb
2010 -
Insurance for Student Patriots Traveling Abroad
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Traveling abroad can be fun experience for a student. When it comes to insurance, student travel insurance offers many benefits that work well for students. Primarily, this translates into coverage at an affordable cost.
One of the plans that offers student travel health insurance is the Patriot Student Trip plan. The plan is available for trips under a month, for students under 25 years of age. The feature of the plan offers coverage throughout the year, for individual trips of less than 30 days.
Trip cancellation and interruption is also insured by the Patriot student plan. The maximum benefits for trip cancellation and interruption is $5,000. Other travel-related coverage includes delays in baggage arrivals and airline schedules, as well as baggage loss.
The medical coverage of the plan includes typical short term benefits that cover sudden medical illnesses and accidents. The Patriot plan also features emergency medical evacuation coverage for students whose medical conditions necessitate evacuation to the closest hospital able to treat the condition.
Travel tip: If you’re a student traveling abroad, ensure that you have copies of your travel documents (passport, visa, insurance) in your luggage at all times.
- 03
Feb
2010 -
Individual Group Insurance: Beat the Cookie Cutter Approach
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Traveling in a group can be a fun experience—what’s more; you can save substantially on travel insurance by purchasing group travel insurance. Group travel insurance takes the hassle out of tracking and purchasing individual travel insurance plans. However, there are some restrictions for group insurance.
Most plans stipulate that all the members in the group purchase the same coverage. If your group comprises people of varying age, it might be a good idea to club people of similar age in separate groups. This will ensure that the costs of unnecessary coverage are avoided.
For example, if a family travel group comprises seven young folk and six older folk, the young people can be grouped under one insurance plan, with hazardous sports coverage. The senior citizens on the group can purchase insurance under one group, perhaps with a higher maximum benefit.
Generally, tour group insurance can be purchased for periods as short as five days. Most plans cover pre-existing conditions if the insurance is purchased within seven days of buying the ticket. For groups, trip cancellation insurance is automatically included in most plans.
Travel tip: Have each member of your group carry a copy of the group insurance policy. It can come in very handy in emergency situations.
- 01
Feb
2010 -
Cruising Around the World with Insurance
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This is one of the best times to be sailing across to the Caribbean, albeit a bit expensive—however, that is no reason to skip purchasing cruise insurance. Kids are in school, and the winter is just slowly getting a bit too much in the north. A break to sunny Caribbean will be perfect!
When you book your Caribbean cruise, you want to consider that peak-season cruises are typically more expensive than off-season ones. While November through April is the typical peak season, booking early enough can save you some money.
Also, when you purchase cruise insurance, the cruise operator will likely offer you cruise insurance as a package. Read the terms and conditions of coverage very carefully before signing on the dotted line. Most insurance plans offered by the operators are inadequate and cost more than insurance purchased elsewhere.
Falling ill at sea can be a scary experience, and before purchasing cruise tickets, check how many doctors will be on board. Also ask any friends or family who have already been on the cruise about medical facilities. Don’t sign on the cruise-sponsored insurance as a formality—you want to ensure you have enough coverage.
Travel tip: When you purchase cruise insurance, remember that coverage across all the ports of call, and emergency medical evacuation coverage are vital and can potentially be lifesavers.
- 29
Jan
2010 -
Identifying a Person With Wanderlust: A Few Pointers
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How do you identify these international travelers? Here’s a light look at how you can tell someone that’s used to traveling from someone that is on his maiden international voyage.
First off, there’s the intended localization: You notice a person who seems to speaking the local tongue. You’re impressed, because he is clearly a traveler. On closer inspection, you find he is only speaking English, but in the local accent—kaching! That’s a much-traveled man.
If you actually get a word with him, you notice his vocabulary: Within a single sentence, there are references to three different countries on three different continents. What’s more, his jacket (never mind that the temperature’s a scorching 100F) looks like a piece of luggage that has been around the world—with batches and patches from nearly all corners of the world! Kaching! You’ve just spoken to a man with itchy feet!
Travel tip: If you come across such a traveler, be sure to ask for advice on travel, places to eat, anything. They are veritable walking Lonely Planet guides. However, down all advice with a pinch of salt!