• Travel Insurance Blog

  • Tuesday, August 22, 2017

Many people make the mistake of not taking out travel insurance and regret it when something happens. Many people think that they are covered by their credit card, or their home insurance and health insurance, or that nothing too problematic will happen to them. Don’t regret not taking out travel insurance – be among the people who are properly covered and able to avoid serious financial problems if anything happens.

The cost of a medical emergency abroad can be very expensive. If you need to be transported by air ambulance to your home country or another country the cost can be in the tens of thousands. Remember that in serious medical emergencies your home government will not pay for any of your treatment – you are on your own; although they can offer advice and help you find medical treatment.

Your insurance should include medical and health cover for hospital treatment, injury, or illness. You should also have cover for your possessions if they are lost or stolen. As well as personal liability cover in case you get sued for something you do to damage person or property. Don’t forget about cancellation cover and cover for trip interruption. If you are taking part in adventure sports like diving or skiing you need to be properly covered – many insurance packages don’t automatically give you the cover for these sports.

Your travel insurance policy should be valid for all of the time you are away. Don’t try to save money by skipping a few days at the end or beginning of your trip – this could be when you need to cover the most. You can also include coverage for legal fees and protection from the travel firm’s bankruptcy. Always check the small print and the exclusions on your policy before you go. And don’t forget to take the emergency contact numbers with you while abroad.

First, book your dream vacation or pay for your flights abroad for your summer trip. Next, get your preparations started so you can enjoy a stress free, safe trip overseas. There are many things you can do to safe yourself money, stress and risk. Try to do the following before you go and enjoy the benefits of a well-planned vacation abroad.

Sign up for the State Department’s Smart Traveler Enrollment Program so the State Department can assist you in an emergency. The Smart Traveler Enrollment Program is a registration service where you enter your details and your travel plans. If there is a crisis where you are traveling the government will be able to more easily contact you and offer assistance.

Check your travel insurance cover. Most home health insurance plans do not cover treatment and medical emergencies abroad. You will need to take out an international travel insurance plan that covers your health and your belongings. You can also choose to take out a plan with trip cancellation cover or emergency evacuation benefits.

Make sure your passport is valid. Sign it, and fill in the emergency contact information in the back. Leave a copy of your passport at home, along with a copy of your itinerary and your contact details while away. Do some research into your destination including safe travel in the country, where to stay, local laws and customs, and any vaccinations you need to get before you go. Take precautions to ensure you don’t become a victim of crime, such as buying secure carriers for money, and making sure you don’t carry a lot of cash with you at any time. Leave your expensive and conspicuous jewelry at home.

If you own a laptop you’ll understand how essential it is to your work life and personal life. So essential, in fact, that you will carry it with you when you travel, whether you travel for business of pleasure. Because your laptop is so important – and because it is probably valuable financially as well – you need to protect it when you travel. Many people are so used to carrying their laptop with them at home they don’t think about the possible dangers of taking a laptop on vacation or a business trip abroad. Good quality travel insurance is essential in the event you damage or lose your laptop abroad but you can prevent that by following some sensible precautions.

Make sure you carry your laptop with you on the plane and definitely don’t check it into your hold baggage. The chances of it being damaged in the hold are very high. When you have it with you on the plane you are in control. Increase the control you have by storing it under the seat in front of you and not overhead – people will put heavy bags on top of it and may even drop the bag on the floor when they are trying to stow their own bags. Consider turning your laptop on before you get to security so you won’t be slowed down if the officials ask you to turn it on to prove it is a working computer.

Be careful when using your laptop in public places. One of the benefits of a laptop is you can work or surf the net in cafes or bars but the risk is that someone will like the look of it and will be waiting for a chance to steal it. Always keep your laptop with you and don’t be distracted by anything that causes you to move away from your computer – scams abound with thieves distracting tourists in order to swipe their laptop.

Make sure your travel insurance covers your laptop. You may be surprised to learn that some policies don’t. It is better to be safe than sorry. Check your policy, and never leave your laptop unattended if only for a second.

Are you the kind of person who won’t pay for something unless you know you’ll definitely use it? Do you wonder if paying for travel insurance is worth it or just a waste of money? Are you uncertain every time you buy insurance? It is a good idea to think about what kind of travel insurance policy will suit you and how much you are going to spend in it, but as you will discover it always pays to have some kind of insurance back-up when you travel abroad for business of pleasure.

Travel insurance companies estimate that one traveler in a thousand is hospitalized when traveling abroad. This may seem like a low amount, but remember that data for the amount of people who need to visit a doctor, or who are injured but don’t stay in hospital, or who need prescription medication, are very hard to come by. And how about statistics for people who have their bags stolen or damage their camera? Again, statistics are difficult to calculate and vary depending on the destination, the traveler’s behavior and the amount of time they are abroad.

Just because you may not have an accident or fall ill abroad doesn’t mean you should skip the travel insurance cover. Insurance is, by its very nature, a protection against something that may or may not happen. You can never be sure if you will need to use your insurance but that doesn’t mean you shouldn’t have it.

If you are hospitalized the medical bills could be crippling, particularly if you are in the United States. And could you afford to replace your belongings if they were stolen? Even relatively minor ailments can cost a lot of money to treat overseas. The cost of a travel insurance package is low compared to what you may have to spend if you fail to take out insurance. It’s a gamble you are advised not to take.

OK, so it’s not the most exciting or interesting thing to think about when you are planning your vacation. You’re much more likely to enjoy planning excursions to coral reefs, treks with elephants and evenings watching the sun set. But the cost of medical treatment abroad is something you should consider, at least until you buy your international travel insurance.

Many people forget what could happen if they get injured or fall ill abroad. Most vacations pass without any negative incidents, but you could suffer any number of mishaps or emergencies on vacation. You could break your arm falling on ice while at a ski resort, or catch a stomach bug from eating poorly cooked meat in Asia. You may need medical treatment from a doctor, medication, or a hospital stay. All of these treatments will cost money – even if you are traveling to a less developed country.

The price can soon add up. A survey by Sainsbury’s Travel in the UK revealed that out of 10 popular vacation destinations the average cost of health treatment (shown by the claims that insured people made) was 1,333GBP (about $2,000). However, the cost of treatment varied between countries. One of the cheapest countries was Greece, while the cost of treatment in the United States reached 4,726GBP ($7,300).

The cost does obviously depend on the treatment but you may be surprised to learn that even small complaints can cost you several hundred dollars. Despite the risk of having to pay for these expensive medical treatments, many people still travel without international travel insurance. If you are planning a trip, get smart and take out all the insurance you need for your travel. For a comparatively small amount of money you can protect yourself from high medical bills that could leave you in debt for years.

When you travel abroad you are highly likely to be carrying money for at least some part of your trip. While a debit or credit card can be very useful on your travels, you do need cash for buying smaller items and paying for meals in restaurants where there is no card payment facility. Cash is often essential when there is not a reliable infrastructure of card payments. But be careful how much cash you carry. Never carry all the cash you need for your entire trip at one time – if needed, leave cash in the hotel safe in a sealed envelope. For carrying small amounts of cash, several items are useful to make sure your money is safer.

A money belt is the first thing many travelers look at when they are buying items for securely storing money. There are hundreds of different designs to choose from, all of which are designed to be worn as a belt around your midriff, under or above your clothes. The belt is much better worn under clothes as it is hidden from potential thieves.

You can also buy leg and arm pouches that are designed to be strapped round your leg or arm to conceal your money. These pouches are secured with straps that can be adjusted for a good fit. Leg and arm pouches are useful but they can be a little bulky and in hot climates uncomfortable. But they are easy to access and they leave your hands free.

You can also choose a pouch that hangs around your neck on a cord, designed to be worn under your clothing. If you are choosing this option choose a pouch that fits you under your clothes – adjust the strap so it lies flat over your stomach or your chest. Whatever way you choose to carry your cash, make sure it is insured with travel insurance. If you do lose money or have it stolen, travel insurance helps replace the missing money.

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