• Travel Insurance Blog

  • Wednesday, August 23, 2017

If you are a student in the United States under the age of 25, consider student travel insurance with a trip cancellation insurance benefit to protect the money you spend on your upcoming vacation. A student travel insurance plan that also offers trip cancellation benefits gives you the best of both worlds.

When you’ve been working hard all semester you look forward to a trip away during vacation. But if you fall ill before you travel, or find your travel plans are changed due to bad weather or airport closures, you risk losing the money you paid for your vacation.

Student travel insurance can protect you when you are abroad, with medical help and care, and it can also protect you before you travel. The trip cancellation part of the insurance protects non-refundable costs of travel.

Make sure you don’t lose out on hotel deposits, pre-paid travel and other trips and excursions. Make sure your student travel insurance is fully comprehensive.

The travel insurance company AXA has recently warned its customers and other travelers that international travel insurance claims made due to the consequences of dangerous new crazes are likely to be rejected. The company has seen a huge rise in travel insurance claims from dangerous activities.

The crazes in question are called planking, owling and batting and involve people taking photographs of themselves in strange positions then posting them online. There has been a rise in claims for accidents such as falls from balconies and broken limbs.

Claims that arise from activities where the traveler deliberately puts themselves in danger are very likely to be rejected. When the traveler is also drunk, which is common when taking these kinds of photos, the claim is also likely to be rejected.

The cost of medical care following an accident due to something that could be avoided can run to thousands of dollars. Insurance companies warn travelers not to take unnecessary risks that lead to both financial and health-related problems.

When you are living at home, with your health insurance plan paid for and organized, you don’t think twice about visiting the doctor for a minor illness. But on vacation without international travel insurance, you may be more reluctant to go. Without travel medical insurance, the cost of a minor illness can be very high.

The most common health complaints from travelers abroad include stomach illnesses like diarrhea, allergies, sun stroke and ear infections. Most are non- life threatening but they can be very uncomfortable.

When you don’t have international health insurance, you must pay for your own medical treatment. So you have a choice – pay the often high costs abroad or go untreated.

Neither option is ideal. If you don’t treat your minor illness it could develop into a much more serious condition or spoil your vacation. But if you pay, the cost could run into the thousands of dollars. Travel medical insurance prevents these tough decisions from being made.

If you work for a company and need to travel frequently – for client visits, meetings, trade fairs and networking – you should consider multi-trip travel insurance. If you make multiple trips abroad each year, then multi-trip travel insurance is the most economical and convenient way to purchase insurance coverage.

Multi-trip travel insurance provides affordable coverage. But more importantly, this kind of insurance is hassle-free and makes it easier to travel abroad.

If you are buying travel insurance each time you travel, cut the time you spend on the phone by purchasing all the insurance you need at the start of the year. Multi-trip travel insurance is valid for any number of trips in a year, up to a certain length of trip and in the countries you specify.

And if you tend to forget about travel insurance because you’re busy sorting out the business details of your trip, multi-trip insurance ensures you aren’t putting yourself at risk through lack of time. Multi-trip travel insurance helps cross one more thing off your schedule.

Many travelers question whether it is safe to take a cruise vacation. There have been incidences of violence and robbery in the Caribbean, disappearances onboard and health and safety issues. Is cruising safe? No form of travel is guaranteed safe, so you should always go on vacation with travel insurance. If you are taking a cruise, cruise insurance can give you extra protection.

However, cruise travel is statistically the safest form of travel. The actual crime rate onboard cruise ships is very low and health standards are high. Most of the problems happen on shore excursions.

When you are onboard, keep expensive jewelry or possessions in the ship’s safe. Keep an eye on your possession like camera or cell phone at all times. If you are a victim of theft, report it immediately to the crew. Keep in control of your actions by moderating your alcohol consumption and don’t take risks – like visiting strangers’ rooms alone – that you wouldn’t take at home.

Don’t carry large amounts of cash when you are on shore. And make sure you don’t visit the dangerous parts of the city – ask the ship’s crew for advice if you are exploring on your own, or check online for US travel recommendations.

According to a survey by British insurance company Direct Line Travel Insurance, stag and hen parties (or bachelor and bachelorette parties as they are called in the US) held overseas can result in more serious consequences that just hangovers and embarrassment. The research highlights the need for all partygoers to be covered by international travel insurance, and even better by insurance with a trip cancellation benefit.

Partygoers are likely to be victims of theft, or risk losing their possessions abroad. Of the people surveyed, 10 percent had lost money, cameras and other electronic equipment, while six percent were victims of theft.

Injuries sustained under the influence of drink were also common. Many people enjoying bachelor or bachelorette parties abroad can get too relaxed in their surroundings, and take risks in traffic or in water that they wouldn’t do at home.

Around 12 percent of people surveyed had got lost in a foreign city. Out of these, two percent had missed their flights home.

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Trip Cancellation Insurance
International Medical Insurance - Short Term