Mar 2

Travel insurance review helps people to understand that things can go wrong on your vacation. When things happen outside our control “regular” insurance may not cover you. Here are some realistic examples:

- Have your luggage lost or stolen

- Get in a car accident

- Become sick or ill

- Having your credit cards stolen

- God forbid, you or someone in your group dies I am sure you would agree that these things could happen and do happen often.

Most people don’t take a travel insurance policy, most don’t even look into it and some don’t know about it. For those who know about travel insurance, some opt out of getting it because they think their regular health insurance will cover sickness on the vacation. When traveling out of the United States most of the time you are not covered. Call your carrier an ask whether you have coverage. It is our opinion that Travel insurance is essential.

There are so many scenarios that it is almost impossible to cover all the reasons why you need Travel Insurance. Tip number one: if you are planning to do any (or similar) activities structure your travel insurance to cover you. these activities can include: Skiing, horse riding, jet skiing, scuba diving, race car driving school (This is awesome by the way, there is one in Las Vegas) or more.

With any policy that you take, thoroughly read it for exclusions and limitations. If you have any questions about your policy, simply call your provider. But you say, “I am going on a golfing trip, why would I carry travel insurance for that kind of a trip?” Good question. What if you injure someone else with a well (or poor) hit ball? Would you be covered? What if they went to hospital? (some policies don’t cover other people, so always read your policy.)

The point is this (this pertains to any insurance)… Insurance is about the unknown, you never know when something bad is going to happen to you or you may cause an accident. Cover yourself. Now I know it sounds like I am selling something, I’m not. I just want to thank you for visiting travel insurance review.

Where to start

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Apr 1

Long stay travel insurance for extended vacations, business trips or overseas missionary assignments is essential for peace of mind and your health.

Policies an cover you anywhere from 5 days to 365 days. The “standard” extended stay policy will cover you for 90 days. Obviously there are exceptions.

This is important because flexibility can be a key factor . Length of stay can vary,  but you don’t want a lapse in coverage, especially for the medical portion f most travel insurance policies.

With all types of insurance becoming very competitive, there are opportunities to get affordable coverage. The basic business principle of captalism applies here. The more competition, the prices will go down. Keep this in mind when looking for long stay travel insurance.

Ok, idf you are new to the whole travel insurance thing you might be asking a few questions here, like…

What exactly is covered by a travel insurance policy?

Where can I find the best deal?

Do I even need travel insurance?

Ok, I am going to answer to briefly answer these questions real quick.

Starting with the last question. “Do I even need travel insurance?” Yes, when you travel you should always have coverage. You never know what will happen to you.

To answer the the second question, “Where can I find the best deal?” Online, you compare several companies (I will tell you where in a minute). Comparing and reading reviews is the best way to learn about what policy you should purchase.

Lastly, to answer the first question, “What exactly is covered by a Travel Insurance policy?” You can buy policy that will cover just flight and luggage or you can get a policy that is more like a deluxe package covering things like…

Medical Illness or accidents emergency

Pre-existing conditions

Death / dismemberment

Flight cancellation / delays

The above list is not a complete, but I hope you get the point. The point is this, you should cover yourself by getting long stay travel insurance.

 

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Mar 15

1) The “Vacation Package Plan” is popular by most vacationers and business people because it provides a wider area of coverages in one plan, including (but not limited too): trip cancellation, medical emergencies, medical evacuation, lost baggage, and several other coverages. Package policies vary from extremely Basic plans with less coverage to Premium plans with high end benefits and high limits. Package plans are used by:

• “General travelers” single, couple and families on vacation

• Business travelers

• Cruise takers

• Senior travelers

2) A Travel Medical Plan is purchased by travelers leaving their home country for a few days or up to a year, and provides emergency medical treatment, medicl evacuation coverage, and emergency assistance. Travel Medical plans are used by:

• US citizen s traveling abroad (business assignments, missionaries, etc.)

• Foreign citizens visiting the US (i.e. family members visiting thier family inside the United States)

• Any traveler leaving their home country
 
Most travelers fall into one of the two types of plan above. Extra provisions/policies that might include Evacuation Only Plans, Annual Plans (Long Term Travel Insurance), Flight Accident Plans, and Accidental Death Plans. These are specialty plans, and provide very specific coverage.

When is the best time to buy Travel Insurance your policy?

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