• Travel Insurance Blog

  • Wednesday, August 23, 2017

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.

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 annual travel insurance 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.

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.

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.
For a habitual international traveler, there is nothing more exciting than exploring a new country, its culture, cuisine, and natural beauty. International travel insurance helps him/her do this with the least amount of stress in a strange country.

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!

Bed bugs, dirty linen, cockroaches—not something you look forward to in your hotel, for sure! Remember that the root of your international travel insurance claim may not just lie in the outdoors—it may well be in your hotel room! A recent survey has released a list of the world’s dirtiest hotels, and it throws up quite a few surprises!

Some of the most common infections may, in fact, be because of the unclean condition of your room. Your international travel insurance will generally cover all these, but it is always better to be healthy than sick. To avoid the situation, here are a few things you can do.

When you’re researching and booking a hotel for your international trip, look for reviews by actual travelers. While the hotel Web site may be able to give some good information, it may not be neutral.

If you end up in accommodation that seems unclean, do not give in. Ensure that your protest is registered at the first instance, and that you are given alternate accommodation. If none of the rooms seem up to snuff, take a day off to see if alternate accommodation can be secured. You might then have to argue your way into a refund, but this is worth a try!

Travel tip: It is also a good idea to register yourself on travel forums and get advice from people who have been there, done that.

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Trip Cancellation Insurance
International Medical Insurance - Short Term