• Travel Insurance Blog

  • Monday, August 21, 2017

Are you among those travelers who save everything from a trip, including movie ticket stubs and subway ticket passes? While you may need to tone down saving every single thing, you might be well-placed when it comes to filing an international travel insurance claim!

The travel industry estimates that for every successful claim, there are at least three claims that are not made in total, because the relevant receipts were not sent to the company. So remember to save the important receipts—they will come in useful if you need to file a claim.

So what do you need to save? Save the stubs and receipts of all travel that you make, as well as accommodation reservations. Keep a copy back home, if possible. Save all medical bills and receipts as well, no matter how small the amount. Insurance companies often look for the “whole picture” when deciding the genuineness of a claim made.

If you’ve had any change in schedule or plan, ensure that you save some kind of documentation that proves the change or alteration. If the weather has caused airports to shut down operations, news articles supporting your claim (from reputed news agencies and newspapers) will go a long way in legitimizing your claim.

Travel tip: Avoid the temptation to save every little receipt, including the gum that you bought at the nearby convenience store. Just save the pertinent stuff, but if you can’t remember what’s important, it’s better to save everything!

You’re stuck in your hospital recovering from your serious illness, but aren’t unduly worried—your international travel insurance plan combined with your trip cancellation insurance will take care of the expenses of your delay. Suddenly, you are struck by an image—that of Max, waiting for you at the kennel.

You remember that the kennel is very popular, and that you have to request an extension, or have someone drop him off elsewhere. The costs, you realize, might be huge too. Some insurance plans have a clause that covers exactly this situation.

Plans such as the TravelRite Annual Insurance plan offer a “pet care home alone” clause that pays the plan holder up to $25 per day for each delayed day after 24 hours. The charges, however, must be substantiated as arising from extra pet boarding charges due to a hospitalization-related delay in return home. The boarding kennel or cattery must be a recognized one.

The maximum payable amount under this clause is $200, which totals to a delay of nine days (excluding the first 24 hours, which you are not reimbursed for). The plan offers this benefit in addition to regular trip-related and medical benefits. Now you can rest, knowing that Max and your extra stay will be well taken care of indeed.

Travel tip: When leaving your pet in the kennel, bring some of his regular food with you. A sudden change in eating habits might cause an adverse reaction in your pet.

To avoid holidays from hell, parents are always looking for ways to ensure that their kids enjoy their time abroad too, without burning a huge hole in their pockets. It can be a challenge with kids being more susceptible to illnesses and infections in a different environment. This is where wise international travel insurance purchase comes to the rescue.

When purchasing international travel insurance, look for plans that cover children for free. Most international travel insurance plans offer this feature for children up to the age of 19. However, always remember to check that the plan specifies that it covers your dependent children. The last thing you want is for your claim to be denied because you did not ask.

When traveling with young children, remember to take some familiar foods with you to feed them. Children need to experience different things, but they also need to feel comfortable.

Also remember to ensure that children take care of basic safety and health precautions. Washing their hands often is a must, and you might need to be extra vigilant about that. If your kids are happy, it goes without saying that you will also be a happy camper!

Travel tip: Do a little bit of research to see if there is a Subway or a McD’s at your destination, if your kids might find these establishments familiar and comforting.

Sailing through the seas is a unique experience, and can truly make you feel like the “king of the world.” When a traveler purchases cruise insurance, there is the assumption that all cancellations will be covered.

However, consider the case of Amy White, a Londoner. She purchased a cruise to Alaska. She also purchased travel insurance. She had to fly from London to New York, and then on to Seattle to catch her cruise. When weather-related causes delayed her flight to New York, she knew she would miss her cruise.

So she booked an alternate route through Seattle, which was also, unfortunately, delayed. When she filed a claim for the entire trip, the insurance company refused to pay her for the extra expense involved in the alternate route. Remember that different cruise and travel cancellation policies have different rules for cancellation.

What could Amy have done? Amy might have benefited from the travel assistance services offered by most insurance companies. These 24-hour traveler assistance and help lines can help answer most insurance-related queries.

Travel tip: Always remember to get the name of the customer service agent who serves you, along with the time of the call. It will come in handy in case you might need to follow up.

Visiting South America can be an experience of a lifetime, further enhanced if you’re looking for a Guevera-style motorcycle trip! Needless to say, you’ll need adequate international travel insurance to ensure that you will enjoy completely the excitement that the travel itself will bring.

International travel insurance can protect you against the financial shocks of falling seriously ill. The travel insurance is not meant for the minor ailments—a cold can easily be treated regardless of where you are, at minimal cost. International travel insurance is mainly intended for those ailments which require more involved treatment.

Traveling by motorcycle does give the international traveler unmatched freedom and a unique experience. However, traveling great distances on the road increases vulnerability to illnesses and infections. While making sure that you take adequate basic health precautions (washing your hands with soap, and drinking only boiled/bottled water), it is also necessary to be secure with a reliable insurance plan.

Also remember that travels by motorcycle can mean that a sudden accident or illness might require emergency evacuation to the nearest hospital by air, and that your travel insurance plan covers the evacuation completely.

Tarvel tip: When you take a rental motorcycle, ensure that all the papers are in order. Also check local traffic rules before starting on the trip.

When booking a cruise, the operator will probably also check with you about whether you want to purchase cruise insurance from them. Remember to shop around before saying “yes” to the first insurance that you come across (typically, the operator’s cruise insurance).

It is very common for people to think of cruises like plane tickets—if you are unable to make a certain date, you can easily push the date, albeit with a small fee. But cruises are ore about the experience—and so, are unlikely to accommodate you on a later cruise because you are unable to make the booked cruise.

That is true even if you have a valid reason, including the death of a close family member. Consider the case of Ms. Murray, who booked a last minute cruise and had to cancel her tickets at the last minute.

After several phone calls to various people, and sending across supporting documents to the cruise company, she received a note saying policies prohibit rescheduling of cruise tickets. The best way to ensure that your cruise money is safe is purchasing cruise insurance with a reliable insurance company.

Travel tip: Remember to land at the port of departure a day or two before the cruise departs, to minimize the chances of simply “missing” the cruise.

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