• Travel Insurance Blog

  • Saturday, July 22, 2017

Keep a clear head and know what to do if you experience an accident or incident when you’re on vacation or traveling abroad. This is what your international travel insurance is for, so make sure you use it correctly. Think about the travel insurance claim procedure before you go so you know what to do in an emergency.

When you are traveling make sure you keep a close hold of the emergency number that comes with your insurance. If you are sick or injured, seek treatment and call the emergency number. If you can’t call, ask a friend or relative to contact the insurers as soon as possible.

If you’re not sick or injured, call the insurance number anyway as they can advise you on what to do. You may need to fill out a specific form if you are the victim of a crime, for example.

When you get home, make a claim following the insurer’s regular procedure. Make sure you submit the correct forms and all the supporting evidence you need.

While nowadays many insurers will still provide a payout for stolen or lost belongings even if you don’t have the original receipt, travel insurance claims are often affected if you cannot produce one. If you can, keep your receipts alongside your travel insurance policy for easy claims.

Most travel insurers will make it clear in the small print what they will accept when you are claiming for lost belongings. Original receipts are by far the best form of authentication you can offer.

If you purchase things when traveling, keep the original receipts in a different place to the item. If you lose items you bought abroad you can still claim for them, but you will need to be able to show the receipts.

Check with your insurance company if you’re insuring jewelry or gifts where you don’t have the receipt. If you can, leave the seriously valuable items at home where they’re covered on your home contents insurance and less likely to be lost.

Can you travel when pregnant? Are there any risks to you and your baby if you travel? Take a look at the general information below for safe travel when pregnant. Travel insurance provision may be affected by pregnancy. If you have an annual insurance policy and you fall pregnant, check with your provider to see if you are still covered.

Depending on your destination, your health and how far you are into your pregnancy, a doctor may or may not advise you against overseas travel. You should schedule a check-up with your physician who will give you the options.

Some vaccinations can be harmful to an unborn baby. Depending on the level of danger of disease, your health and your reasons for travel, a doctor may believe that the protection a vaccination gives outweighs any potential danger.

If you are planning to become pregnant you should wait about a month following travel vaccinations before you start trying to conceive. If you are in your third trimester, it is likely that your doctor will advise you to postpone travel until after the birth.

Frequent travelers and people who hate to be kept waiting can improve their experience at the airport with some simple security organization tips. Keep important documents like your travel insurance policy in a zipped pocket in your carry on luggage. Trip cancellation insurance can help you even before you have left the airport, if you need to cancel your trip.

De-clutter your carry on bag for easy screening. Pack the majority of your liquids in your checked bags and try to pack your coats and jackets in your checked luggage too, to avoid additional screening.

Wear slip-on shoes that you can easily remove to pass through the metal detector. Take off your belt and remove all the metal items from your pockets as you are standing in line. Place all additional items in one extra tray, if you can.

Always keep your boarding pass and your ID within easy reach so you can access it if asked. If you can’t find your documents when requested you may subject yourself to extra screening.

US citizens traveling abroad sometimes don’t need a passport to travel. Instead, you can use a passport card. Are you aware of the difference? Read on to find out when you can use a passport card to travel. Make sure you are protected with international travel insurance wherever you are traveling to – international travel insurance and a valid passport or card are essentials for travel.

Until 2007 US citizens could come into the US from Mexico, the Caribbean, Canada and Bermuda with a valid driver’s license. Now, citizens need a valid passport card if they are only traveling between US and these countries.

The passport card allows people to enter the US by land or sea only, from the specified countries. There are some restrictions, however.

The passport card may not be accepted by the country you are visiting, so you should check with your travel company to make sure. You cannot travel extensively overseas with a passport card. For international travel beyond the Caribbean and Mexico, you need a passport.

Travel can be exhilarating, fun, exotic and exciting but it’s important not to push yourself past your physical limits. Especially when you are taking part in adventure sports or vacations, you should know what a safe limit is for you. Whether you are a student on a gap year, or a family taking the vacation of a lifetime, buy insurance and stay healthy.

Have a physical exam before you go if you are concerned about your fitness or health. If you have recently undergone a procedure or surgery, make sure your doctor has passed you safe to fly and take part in the activities you plan to do.

If you are suffering from a cold, flu or other minor illness make sure you take it easy in the first days of your vacation – too much exertion can turn a minor condition into something more serious. If you feel ill, stop the activity and rest.

Know your own limits. If you cannot walk as far as the others in the group, walk for a half day and sight-see in the afternoon. If you have problems in the heat, book your vacation for the cool season or try a country with a moderate climate. Knowing your restrictions can help you towards a much more enjoyable vacation.

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