• Travel Insurance Blog

  • Tuesday, September 26, 2017

Spreading the word of God or humanity has never been easy—at least, missionary travel insurance can now help you with some of the problems associated with it! A missionary or volunteer who travels abroad sometimes has to face complex political and social issues.

Unfortunately, they may also be targets of violence. They are also more vulnerable to infections and illnesses, because of the kind of hours they usually put in. When traveling as a missionary, it is important to take a step back and take care of one’s health. It is no use being a missionary with a good heart when the body is simply unable to do any meaningful work.

To protect against the financial repercussions of falling ill when on a mission,travel insurance for missionaries is ideal. Although they are basically short term health insurance plans, some of their benefits are designed especially for missionaries on religious and humanitarian missions abroad.

Missionary insurance, while helpful, can only help primarily with the financial aspect of an illness, and it is important that a missionary still follow basic safety and hygiene to have a peaceful and healthy mission for the betterment of the world.

Travel tip: Research and know some of the political layout of the place you will be working in.
The shock of the air crash of the Libyan airplane is still settling in, and hearts go out to the families of those who lost their lives in the crash. The silver lining, of course, is the young boy who has miraculously escaped with his life. Usually, in the days following any major crash, international flight insurance and international travel insurance see an increase in enrolment, only to decrease when people get complacent.

It does seem that traveling by air has become more dangerous in recent times. Part of the reason in some parts of the world, according to experts, is overworked pilots. Deregulation in a lot of countries has also meant a mushrooming of airline operators, many of them with little or no experience in the field of aviation.

Add to that the fact that many of these countries have limited regulations and/or enforcement, and it seems like accidents are simply waiting to happen. What’s more, terrorists have taken to the skies in a big way, and one is no longer sure whether an accident was a pilot fault, a mechanical failure, an act of God, or simply a terrorist attack.

It is also true that many more people travel by air, and so, while the number of accidents has increased, the percentage of accidents per flying hour has actually not. Regardless, the Libyan accident just underscores the limitation of human technology. It also, in a limited way, emphasizes the need for prudence when undertaking an international travel trip.

You’ve heard this many times before: When purchasing travel insurance, read the fine print. Research the plans thoroughly before signing on. What does that mean, though? What can you practically do to ensure that the chances of any claim you make are honored? Here’s a quick tip-list.

Check the company that is underwriting the international travel insurance policy, and also the insurance company. While most plan brochures mention the company’s A.M. Best ratings, some may not. Look for a rating of A and above. Always purchase travel insurance plans from a reputed website.

Also, ensure that you are purchasing travel insurance. There are other kinds of travel protection such as travel waiver and travel protection. While travel waiver merely gives you credit for future travel if you don’t make your current plan, the term “travel protection” is simply undefined and is used to mean a variety of things. Remember that only travel insurance plans are subject to laws and arbitration.

Always ask questions. Do not assume that all is lost if you find your newly purchased travel insurance plan does not have the coverage you need. Call the company’s customer service number and find out. You might be able to upgrade to a plan that does feature the coverage, or simply cancel for a refund. Most plans allow a grace period.

Travel tip: Check your current plans to find out if any of them apply to your travel. Some homeowners’ plans, for instance, may cover the loss of your personal effects like your camera.

When packing your bags for the round-the-world trip, remember to bring along international travel insurance. While several plans exist in the market , research the plans and choose one that works for you. The WorldMed travel insurance plan is one such high-value travel insurance plan.

The plan offers a choice of two maximum benefit levels: $500,000 and $1 million. These plans include medical coverage and accidental death and dismemberment benefits. The WorldMed Lite plan lets you choose either accident benefits or medical benefits.

The plan can be renewed for up to three years, and the plan covers 80% of the medical costs up to $5,000 and 100% thereafter. As with most travel insurance plans, the WorldMed plan covers sudden medical problems and injuries. There is also coverage for emergency medical evacuation, and if he cas warrants it, the travel of a close family member to be with the plan holder.

As far as travel benefits go, the plan covers lost baggage and trip interruption. Lost baggage cover is $250, and trip interruption, which includes the cost of a one-way ticket home in case of a catastrophe or tragedy back home, covers up to $5,000. For those wishing to participate in adventurous sports, the plan also offers an additional rider.

Travel tip: When purchasing travel insurance, consider the trade-off between the maximum benefits and the premium payable. If you would like a $100,000 maximum benefit plan, think about what additional value an $125,000 plan could possibly add.

International travel health insurance plans often seem similar, because they provide similar coverage. The idea behind international travel insurance plans is to safeguard the plan holder against unplanned medical emergencies during travel, and this means that coverage is often the same across plans. However, some plans offer some extra benefits, additional riders, or extended benefit amounts that differentiate them from the rest.

The Liaison International plans offer a few such benefits. For instance, the Liaison Majestic Travel Medical plan excludes pre-existing conditions with a look-back period of 36 months from coverage, as is the norm with most short term insurance plans.

However, for U.S. citizens, the plan offers an extra benefit: the look-back period is shortened to merely 12 months instead of the 36 months. Also, U.S. citizens who live in the United States are also eligible for waiver of the pre-existing conditions clause for the first $20,000 of expenses incurred outside the United States. This amount is reduced to $6,500 for those aged 65 years and over.

The Liaison plans define pre-existing conditions are those that have been diagnosed, noticed, treated, or manifested during the look-back period. The way a plan defines a pre-existing condition may determine whether or not your claim will be settled.

Travel tip: However, remember that the exclusion of the pre-existing condition may not include ongoing treatment. Read the fine print carefully.

While purchasing international travel insurance is very important when traveling abroad, not all plans are alike. While coverage and premiums are different for each plan, plan administrators are also different. Travel insurance plan administrators might be different from the insurance company. The Liaison plans are administered by Seven Corners Inc.

Seven Corners is associated with over 12,000 hospitals and doctors around the world. Seven Corners also provides appropriate assistance for travelers, with its Seven Corners Assist service. This service helps locate medical care when you are traveling and are looking for a doctor or hospital.

When purchasing travel insurance, it is important to consider the track record of the plan administrator. In the case of the Liaison plans, the administrator is Seven Corners International. International travel insurance plans are best administered by a company that has experience in the business, especially in dealing with international plans and handling international claims.

Seven Corners has 17 years of experience in the insurance business, and has provided medical insurance to corporations, worldwide travelers, expatriates, students, and immigrants, among others. With a presence in over a hundred countries, Seven Corners has the experience required to manage international travel plans efficiently.

Travel tip Strong plan administrators translate into more efficient processing of claims and provision of additional services.

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