• Travel Insurance Blog

  • Tuesday, August 22, 2017

When you’re traveling abroad, you want to buy your international travel insurance as soon as you purchase your tickets. But there are as many types of international insurance plans as there are places for you to see! How do you choose the right kind of plan for you?

The first step, obviously, is to ask. If you’re purchasing insurance from the Internet, send an e-mail or call the customer service number to ask them exactly what you want to know. This will also be a great first step to evaluating the insurance site itself!

Next, figure out the purpose of your trip, and the kind of traveler you are. If you make several trips a year, annual travel insurance might be the best choice for you. If you are going abroad on a humanitarian mission, missionary travel insurance may be your flavor of insurance.

Third, find out what coverage the selected plans offer, and the rates for each. Remember that you might not need hazardous sports coverage if you’re planning to spend time at a spiritual retreat. Look for the plan that has the benefits you need, not for the plan that has a lot of benefits. Once you compare the coverage and prices, you’re done! Purchasing the insurance should not take more than a few clicks of the mouse!

Travel tip: When purchasing insurance online, use a site that has the comparison feature. It makes the number crunching and comparison so much easier!

You’re all set with the travel plans and your travel insurance as well. Now, you’re already at your dream destination, but can’t decide one thing: What to get for friends and family back home? Buying keepsakes, especially for close friends and/or family can be a mind bender. Here are some tips to help you navigate through that maze.

First things first, don’t purchase keepsakes on the day you land, unless something seems just perfect for your mom/dad/boyfriend. Take some time to understand the lay of the land, and what might be unique and fun at the destination.

Second, be on the lookout for interesting things. Resist the temptation to walk in to a mall and purchase a bunch of key chains with the name of the city you’re in. Buy something unique—preferably something that is local, and is made locally. After friends returned from Hawaii, it was weird to see all the T-shirts proclaiming they were made in Mexico!

Lastly, try and match the personality of the recipient with that of the souvenir. If you don’t know what someone will like, you don’t need to get them anything. Also remember to be aware of the legalities of the gift—ivory figurines may be a local and unique item in parts of Thailand, but remember that they are also illegal!

Travel tip: Make a list of people you want to get souvenirs for (unless there’s just two or three). You might think you’ll remember, but it’s better to be sure than sheepish!

Research has shown that merely researching travel destinations (and the research did not include travel insurance, obviously) can be a great stress buster. In a recent study, participants were shown to feel much calmer after researching and seeing pictures of their favorite holiday destination.

For many people, part of the fun is in looking at different sights, and researching the best shopping and dining available before actually setting foot in the country. It is not uncharitable to assume that the same level of enthusiasm is not accorded to international travel insurance.

However, to ensure that the stress-free situation does not end with the computer at home, it is necessary that appropriate travel insurance is purchased. The insurance is primarily purchased to protect your purse against unplanned medical emergency shocks. Good insurance plans generally cover all kinds of inpatient and outpatient care adequately.

Remember to add some research about healthcare systems into the itinerary when looking at hotels and museums online. When you reach your hotel, it is best to ask for a map of the area—to know about the closest dining, shopping and healthcare institutions. And then, there’s nothing left to do but to bust all that stress out of your system!

Travel tip: Purchase travel insurance as soon as you purchase your tickets. Not only will you get better coverage, but that’ll be one thing off your to-do list!

If you travel extensively throughout the year, and don’t want the hassle of purchasing insurance every time you travel, annual travel insurance may be just the thing for you. The plan is ideal for those who are out of their home country for at least 30 days a year, and who undertake more than three trips a year.

Typically, people who opt for annual travel insurance are executives who travel often on business. It is also ideal for those who are called “gap year” travellers—that is, they use a gap in their employment or student to go traveling.

However, remember that for annual insurance to be valid, one must usually not undertake trips of a longer duration—the limit is usually around 30 days. One of the popular annual travel insurance plans is the Patriot Executive plan.

To be eligible for the plan, you must be under 76 years of age, and have insurance in the home country. The benefits of the plan include inpatient and outpatient care—usual short-term medical insurance benefits. Emergency medical evacuation and repatriation of remains are also included in the benefits package of the plan.

You’re all set for that wild safari through the Serengeti. Before you pack in your cameras and lenses, remember to purchase trip cancellation insurance, for sure. Most safari operators will require that you have adequate travel insurance against delays and trip cancellations, before setting on the trip.

Many operators often offer their own plans, but these may not be adequate for your needs. Remember that you will also need medical coverage that includes emergency medical evacuation and repatriation of remains benefits.

While on the safari, remember to always carry your insurance card. However, also make adequate arrangements for medical expenses. That is because 90% of the time, you will be asked to pay the medical expenses up front, to then be reimbursed by your insurance company.

If you already have trip cancellation and medical insurance through a third party (credit cards, for instance), please check the fine print. You must possess adequate emergency medical coverage, and usually, credit cards do not offer comprehensive medical and trip cancellation benefits.

Travel tip: If you need to be evacuated when on a safari due to medical reasons, your insurance may require pre-certification. Remember, however, that most areas are not connected by cell phones even, and you might not be able to get that pre-certification. Ensure that your plan offers alternatives.

Thailand is indeed an amazing place that provides amazing value for money. With the right kind of travel insurance, you can set your worries aside and immerse yourself in the culture and natural beauty that Thailand is known for.

However, Thailand is also known for another kind of beauty: the female kind. Sex tourism forms a large part of the country’s attraction to tourists, especially males. While illegal in Thailand, prostitution is regulated by the government to a large extent.

Now, one thing to remember is that your international travel insurance will not cover sexually transmitted diseases, and so, if you have a problem after visiting a “lady” in Thailand, the treatment will not be covered under your plan.

In Thailand, prostitution is also an illegal activity, and your policy will not cover any condition that arises out of your indulging in illegal activity as well. So, there’s a double whammy that prevents you from getting reimbursed if, unfortunately, you contract a disease from a “lady” in Thailand. So remember that it is better to play it safe than be sorry.

Travel tip: Obvious, but it probably needs to be repeated anyway. Always, always insist on using a condom.

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Trip Cancellation Insurance
International Medical Insurance - Short Term