• Travel Insurance Blog

  • Monday, August 21, 2017

If you are traveling to East Asia or the West and Central Pacific area in the months of June through November, make sure you prepare for your trip with international insurance and all the details about this year’s typhoon season. While typhoons may occur in this area all year, the most active months are June to November. Travelers should protect themselves with travel and trip cancellation insurance, as well as monitor local weather reports.

Each year the Pacific region experiences around 31 typhoons. Some of these – around half – are potentially destructive and cause lasting damage. If you are traveling or living in this area, be prepared for possible typhoons.

Landslides and mudslides are common after a typhoon, as are high tides and flooding. You may find roads are blocked and transport non-existent. Many people find it difficult to leave the area immediately after a typhoon.

Use your travel insurance to help with any expenses brought about by the typhoon. The US Government will assist if the typhoon creates an emergency situation, but they will not pay for transport back to the US apart from in exceptional circumstances.

When you are working out how much travel insurance to buy, you need to consider whether you are choosing an annual travel insurance policy or single trip coverage. Both types of travel insurance offer the benefits you need to protect yourself when you travel, but there are differences in price.

Most importantly, and whether you buy an annual or single trip policy, you need to make sure that whatever international travel insurance you buy covers your vacation completely. You need to buy for the whole time you are away, and choose coverage that meets the requirements of your vacation. For example, winter sports coverage, or trip cancellation coverage.

When you have narrowed down the search to a few options, look to see what is included in each plan. One cheaper plan may offer half the level of coverage for trip cancellation than a more expensive policy. Some plans don’t cover baggage, so you need to decide if that is important.

The cheapest travel insurance policy is not necessarily the best. If you try to cut corners by opting for a basic, cheap plan you put yourself at risk of problems if an accident or incident happens.

While you are very unlikely to be a victim of terrorism when travelling, it does pay to keep in mind a few safety tips to lower your risk when you can. Always remember to travel with international travel insurance – if things go wrong, you’ll be covered. And make sure your policy includes trip cancellation coverage. This way, if terrorism affects your planned destination you can claim money for pre-paid deposits and bookings.

When staying in a city, think about possible safe havens such as police stations and hospitals that you can head to if an incident happens. Make sure your family know where to meet if something happens, you can’t get back to your hotel and cell phones are cut off.

Never look after packages or luggage for anyone you don’t know. And don’t accept unknown packages that may be delivered to your hotel room.

Check your car for suspicious activity before you get in. If you see any loose or trailing wires, call for help. Keep your windows closed when driving in crowded streets. And never pick up strangers asking for a ride.

While terrorist acts almost always occur without warning, and often in unpredictable patterns, you will never be able to protect yourself completely. However, there are some things you can do to reduce your risk. Make sure you have good quality international travel insurance to help you with expenses in the unlikely event of a terrorist act, and trip cancellation insurance in case your vacation is cancelled due to terrorist acts taking place before you arrive.

Pay attention to travel warnings and don’t travel to areas where there is a high risk of terrorism or kidnappings. Don’t take stopovers in airports of high-risk regions or countries.

Try not to draw attention to yourself in the way you dress and in your behavior. If terrorists are looking for Western targets they may be more attracted to people who stand out.

Keep alert for packages or luggage that looks abandoned or has no owner nearby, especially in airports. Report suspicious bags to the authorities immediately and try to leave the area as soon as possible. Also report any suspicious behavior to local authorities or to the US embassy.

Traveling abroad on vacation or business when you have a physical disability presents its own challenges but there shouldn’t be a barrier to travel. Protect yourself with good quality international travel insurance. Consider trip cancellation insurance that will protect the investment you have made in your vacation, in the event that you cannot travel as planned.

Certain countries and destinations are easier to travel to with a disability than others. Research your destination thoroughly beforehand and make some preparations before you go to help make your trip safe and fun. Make reservations for transportation and contact the airline to let them know your requirements.
Discuss your travel plans with your physician, if you need to. Get medical advice regarding the medications you’ll need to take and any changes you need to make to your routine. You may need a letter from your physician describing your condition and the prescription medications you are carrying with you.

Make sure you have travel insurance and health insurance coverage for your time abroad. Care overseas is not likely to be covered on your regular domestic plan.

In this Internet age, it seems almost impossible that we should need to pick up “snail mail” when we are traveling abroad. But lost documents, credit cards and bank cards all need to be sent by mail. Make sure you have fully comprehensive international insurance before you travel. International travel insurance will help you cover the cost of a lost passport, or enable you to claim back money stolen in a robbery.

If you are travelling for a long period of time you may also want to receive your usual mail abroad. And those that miss the comforts of home can receive a package of familiar things when they’re traveling abroad. Where can you receive mail abroad when you don’t have a permanent address?

Some credit card companies and banks can send your mail to an overseas branch – check you can pick up your card or your statement at a branch close to where you are staying. Otherwise, post offices overseas can hold mail for you.

Don’t try sending important documents to a U.S. Embassy – U.S. Embassies and Consulates don’t take care of travelers’ private mail. But you could check to see if your destination country’s embassy can handle it.

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