Monday, 3 June 2013

Activities Travel Insurance Companies Hate

Travelling without travel insurance is simply a bad idea - you can never tell what might happen. Unfortunately, some of the most enjoyable travel activities are also some of the riskiest. So, you need to be fully aware of what your policy does and does not cover before you set out. You might think you won't indulge in certain things, but opting for the cheapest insurance might mean that the second you get on that moped without thinking, all of a sudden you're uninsured, while also being at increased risk of injury - as well as a hefty repair bill.
Examples of Excluded Activities
By and large, you'll have a hard time convincing insurance companies to cover you for what they deem a dangerous activity. In some cases, you're able to get cover for 'extreme' activities or sports, such as snowboarding, skiing or surfing, but most will shy away from those they consider too risky for them - the way they see it, there's just too much chance you'll get hurt, and then have the cheek to get them to pay for it!
Dangerous activities include, but aren't necessarily limited to:
o Rock climbing: It's a long way down, and the floor is often quite hard.
o Bungee Jumping: See above.
o Water activities including the use of an aerial device: Who's to say that aerial device won't connect with your head at some point?
o Scuba diving: Activities which include the use of an artificial breathing device (this doesn't usually mean snorkelling) can be very hard to get cover for.
o Racing: Car racing, horse racing, boat racing - if you're going very fast and taking risks at the time of your accident, the insurance company will not be overly impressed.
o Hunting: Come on, you're carrying a gun...
If you know you're planning on participating in a dangerous activity - heading to Spain for the Basque Country's annual Running of the Bulls would probably count - ASK your insurance company if a certain activity is a 'dangerous' one - their descriptions can be very vague. Don't believe the first agent who tells you that no one will cover you for your planned activity, but be aware it might be costly to get covered for it if you do find someone willing.
Ways Around Exclusions
Some insurance companies can seem quite sneaky to the purchaser of the policy when it comes to cover. For example, you might think that as your policy says you're covered for skiing, you're all good to jump on that snowboard - you might be wrong, so check. These days, you could always go online or phone up from wherever you are to make certain. Although some insurance will simply baulk at covering you for what they deem dangerous, if your heart is set on an activity, it's not worth canceling all together - you may be able to pay an extra amount on top of a policy to make sure you are covered for an extreme activity.

Making Claims on Travel Insurance

Upon purchasing travel insurance, the Insurance Company will issue a travel insurance policy for you together with a booklet explaining in detail the procedures of making claims. Therefore whenever things go wrong, from just a lost luggage to more serious issue like a medical emergency, please adhere to the procedures of making claims on travel insurance. This will ensure prompt and efficient service pertaining to your claim and helps to eliminate any hassles or hiccups.
Now, please note that in the event of a medical emergency, it is unlikely that you will be given any medical treatment unless you pay for it first so it is crucial for the Insurance Company to provide a 24-hour international claim line. Your insurer should be easily accessible to your convenience, especially when you are caught in a situation whereby you are not sure if the Insurance Company will pay for the cost incurred. So it advisable that when you have the intention of claiming back from the Insurance Company, you should not make any payments until you have contacted your insurer, with the exception of life and death matters.
Remember to keep all the bills, tickets, receipts, police report or any relevant documents for validation purposes in your claim. In fact, you are required to substantiate your claim with all these documents. Usually you are advised to forward them together with your claim form and the Travel Insurance Company should honour all claims with the exceptions as stated below:-
o Self-inflicted injury
o Irresponsible in handling personal belongings
o Illness resulting from alcohol, drug abuse or aids
o Illness related to a pre-existing medical condition
o Accidents caused by involving in hazardous activities
o Unaware of certain restrictions and exclusions of the policy
o Giving false information (details stated in the next paragraph)
o Knowing in advance that your trip might be cancelled or terminated
The main reason for people to give false information is because they are afraid that if they reveal the truth, their chances of getting a travel insurance plan are near to zero percentage. For example, they may currently or used to suffer from a certain medical condition and announcing it may give valid reasons for the Insurance Company to reject their applications and therefore they resort to lies. Or perhaps when they are going for a business trip, they made false statement by claiming that it was a personal trip. Such fear leads to complications and frustrations. Rather they should be honest and open about it and try to work out a plan that is most suitable.

Important Facts on Travel Insurance For Pregnant Women

If you are expecting or your wife is pregnant and you wish to find out more about travel insurance for pregnant women, you've certainly come to the right page. Generally, a pregnant lady would prefer the comfort of her own home to that of hotels or long flights, but if it is compulsory for her to travel, then she would have to leave her comfort zone and head straight for the travel insurance company before she leaves the country.
On the other hand, there are those who would prefer to travel during their pregnancy stage because they know that for the next couple of years after their babies are born, they may not enjoy the convenience or freedom to move around. Whatever the reason is, here are some important facts for pregnant women to keep in mind when they travel.
First of all, this is the time where you have to seriously look at the terms offered by the travel insurance company. Do take time to focus on the fine prints because that is where the catch usually is. Pregnant women are considered by insurance companies as high risk. This is because a pregnant woman may deliver in a foreign land and therefore require medical insurance or should there be any complications while abroad, she would also need immediate medical attention.
Due to the high risk involved, very often pregnant women are not under any insurance coverage unless they are able to return eight weeks before their due date. It is advisable to check this clause with your travel agent and obtain a full understanding in order to prevent any risks to you and your baby. At the same time, you may want to reconsider about traveling, irregardless of any travel insurance policies, if you are in the second half of your final trimester. This is to avoid endangering yourself and your baby as the risk of complications is much greater.
In the event that you have to travel yet unable to obtain any coverage from any insurance companies, do get in touch directly with an insurance broker. Perhaps a special policy can be customized for you. Needless to say, the premium will be higher when compared to a standard policy. Still the protection is worth it in case something drastic happens. And do check with your physician before embarking on any trips. As a matter of fact, a letter certifying that you are in good health from your physician is required by both the airlines and insurance companies during the later stage of your pregnancy. At the same time, do check and confirm with the airlines on their specific terms and conditions for pregnant women to fly.

What Travel Insurance Company Would Be The Best For You?

Whenever you plan to travel abroad, travel insurance, from one of the reputed travel insurance companies, needs to be considered for the trip. Traveling anywhere outside your country of citizenship is not without risks. An easy way to offset some of this risk is through travel insurance.
Travel insurance may include an accidental death and dismemberment policy, a policy for repatriation of the remains, or medical emergency and emergency medical evacuation while you are on a trip outside the United States.
Depending on where you are going for your trip, and why, additional coverage like foreign commercial liability, foreign automobile liability or foreign workers compensation and sickness policies might become necessary.
Make sure that you check with your doctor or contact your insurance professional in order to discuss the details of your trip, and figure out your insurance needs.
Travel insurance from most travel insurance companies can be arranged a long time, even months, before the actual trip, and consists of a range of insurance coverage services safeguarding you throughout your trip, before, during, and after. In truth, accidents, emergencies, and unforeseen events can happen anywhere, and to anyone. Travel insurance companies, and their policies give you the peace of mind of having protected your investment and your health, as well as your belongings. It
> Protects your investment if you have to cancel
> Provides emergency medical referral and assistance
> Reimburses unexpected expenses due to emergencies
> Protects you during the medical emergency
> Provides medical assistance abroad
> Provides emergency evacuation if necessary
The AAA Insurance Company, for example, provides insurance for the basic travel needs, along with many other services. While many other companies like Travel Guard, have plans that provide Primary Emergency Medical coverage, and Trip Interruption plans that refund the a large part of the cost of a one-way ticket or the non-refundable trip cost.
Travel Guard guarantees payment to the relevant medical facility and makes your admission easy, and also continues to cover your medical expenses for as long as one year after you return home.
If you have to seek medical treatment while you are on your trip, companies like Travelex will cover Emergency Medical & Emergency Medical Evacuation / Repatriation. Advance payment is generally made to the Hospital if it is needed to secure admission.
In addition, some policies may cover the cost of delayed flights and lost luggage, and evacuating the person to the nearest adequate medical facility, or a hospital of choice, if necessary.
The Emergency Medical coverage usually ends, however, as soon as you reach your home, especially if you have been returned under the Emergency Medical Transportation/Evacuation coverage
The plans from travel insurance companies like Travel Safe cover the losses incurred due to family members not scheduled to travel with you, up to a maximum of six people per cancellation / interruption claim due to an accident or sickness of just one person in the party.
Several insurance companies offer stand-alone medical evacuation insurance. The costs range from $69 to $109 a trip at Travel Guard to Access America's annual policies beginning at $190 per person.

Finding the Right Travel Insurance Company

Choosing a travel insurance company that you can trust is as important as selecting the type of insurance policy. Your policy is no good if you can't collect on your claim. Here are some ways to check out your insurance carrier:
1. Start with a good insurance comparison site. Squaremouth, TravelInsuranceCenter, Insuremytrip and others provide quotes and various insurance packages from top-rated travel insurance companies. They also offer information on the type of travel insurance you will need.
2. Look for indicators that you are dealing with a trustworthy company over the internet.
* They should be a member of the Better Business Bureau.
* When it comes time to buy, make sure that the site is secure for personal information and financial transactions.
* Try to select a website that offers many choices of insurance plans, companies and quotations. Even if you have a favorite insurance carriers, you'll be able to compare them with competitors on aggregator sites.
* Check out their customer service. Ultimately, that's what pays for you. Make sure that they have a 'Contact Us', an extensive 'FAQ', 24-hour emergency lines, and a way for you to contact them at your convenience.
3. Check with authority sites such as the Better Business Bureau Online. Do a search on the A.M. Best database that shows all insurance companies and their ratings. The U.S. Travel Insurance Association also has a list of all their members. Make sure that your selected travel insurance company can offer you the best deal. The best deal is not necessarily the cheapest option, but rather a policy that will provide the coverage that you need.
Of course, even comparing sites that compare insurance carriers can be daunting. You'll find lots of sites with a mix of carriers and a variety of plans.

Travel Insurance Quotes - As Important as Your Passport for Any Trip Abroad

One of the last things most travellers planning a vacation or business trip want to think about is the possibility of getting sick, injured, or even dying, while abroad. But travel medical insurance is an absolute must before heading out, and getting a travel insurance quote is one of those necessary tasks that may seem mundane, but will give you peace of mind once it's done. Getting several travel insurance quotes is important because package rates can really vary, and you want to find the best rate with the most extensive coverage that you possibly can.
One of the more popular ways to get an insurance quote these days is online, where many companies compete for your business. Caution is advised, however, when dealing with an online insurance company, because it is very easy for any company to appear larger and more reputable than they really are. Not to say that smaller insurance companies are necessarily bad, but care must be taken to ensure you are dealing with a company that can handle a claim, should the need arise.
The best way to find out whether on not you can rely on your travel insurance company is to go over all the details of the package as carefully as you can. Find out who the underwriter is for the company, as this is really who ends up paying out should you need to make a claim. There are only a handful of major insurance underwriters, and as long as your insurance company is affiliated with one of them you probably don't have to worry.
Travel insurance quotes are also usually available through your local bank. This is a great way to get coverage for your trip, as not only can you rely on your bank's reputation, the insurance is easily obtained and can be paid straight out of your bank account. Having a history with the bank helps in your dealing with them overall, and in the event of a claim this should help things go smoothly.
The language of travel insurance contracts is often very dense, and requires a bit of time to go through. This, however, is time well spent, because often there are variable in the contract that can be addressed if they don't particularly suit your needs. The kind of insurance package you require depends very much on the kind of trip you are taking. For instance, a business trip with a few days of golf is going to be very different than a trekking vacation in the Himalayas, and your insurance should reflect that. Don't just opt for a blanket package, read through it and make sure that the kinds of activities you are going to engage in are not excluded from the package. If you run a chance of getting an injury from a particular activity, or have a higher likelihood of getting ill because of a location you are visiting, then you must be sure your insurance coverage is effective for these possibilities.
The length of the term is another area to look at. Give yourself a buffer, in case of flight delays or other complications. The cost to you will be minimal, but the extra coverage will be helpful if a delay does occur. It has been known to happen that people are injured on the very last day of a trip. If you are not necessarily on a tight schedule, than make sure you can extend your insurance should you decide to stay. This can be set up in advance with your insurance company, and will require only a 'phone call and bank withdrawal for coverage.
Another area these days to look at for travel insurance quotes is your credit card company. Many credit card companies now offer lots of extra perks, including, in some cases, insurance. These are generally not adequate coverage to rely on completely, but often can be a good addition to your insurance. Check with your company before you travel.
The task of getting travel insurance quotes may not be one that most travellers relish, but it is as important as bringing your passport. In fact, some countries require proof of insurance before they will even admit visitors into their country. The good news is that getting quotes, and obtaining insurance, is incredibly easy and convenient these days. There is no excuse to travel without coverage, so do your homework before you leave and enjoy peace of mind for your whole journey.

Cheap Travel Insurance Quotes - Five Tips For Getting A Low-Rate Quote

Travel can take on many flavors depending upon the reason you are doing it. If you are talking about business travel, it can range from being mildly exciting to downright grueling. When traveling for pleasure, it is usually a blast or - at worst - highly educational.
But, no matter what the nature of the trip you are planning, anytime you are traveling you need to allow for the possibility that things will not go as planned. Of course, there is always the chance that you will get into an accident while away. But, it is more likely that less dangerous - but sometimes just as costly - things can happen. Delays, lost luggage, medical emergencies - you name it.
That is, of course, why travel insurance was invented. By insuring yourself and your loved ones or employees, you can travel with much more peace of mind in knowing that you are covered should anything go wrong.
If you are looking for cheap travel insurance quotes, here are 5 tips for getting a low-rate quote:
1. Figure out how long your stay will be and how often you will be traveling this year:
The first thing to think about when considering requesting travel insurance quotes is to get a handle on how long your upcoming trip will be. In a similar vein, think about how many more times you will be traveling with the next 365 days. If multiple times, you may want to consider investing in an annual policy in order to save yourself money.
2. Review the types of coverage and coverage limits you will need:
Next, consider the various types of insurance coverage you may need. For example, you should consider getting coverage for: medical payments, evacuation back to your home country, car insurance, lost luggage, delayed/cancelled trip insurance, and/or death & dismemberment coverage. Of course, each policy differs so be sure to read the fine print as to exactly what you will be covered for and any restrictions that may apply.
Similarly, consider what types of coverage limits you will need. Each policy will pay a different maximum amount for each type of coverage offered under the policy.
3. Think about whether you may benefit from cancel-for-any-reason travel insurance:
If you are someone whose schedule and other life details are always up in the air and could change at a moment's notice, consider investing in cancel-for-any-reason travel insurance. This type of insurance costs a bit more, but you can be eligible for up to a full refund of your initial travel costs should you cancel at the last minute.
4. Build a list of at least 4-5 cheap-rate travel insurance companies:
Now, it is almost time to start shopping. Run an online search for "cheap travel insurance companies" and "bargain travel insurance" in order to build a list of at least 4-5 companies.
5. Shop around by requesting the same coverage & coverage limits in order to get a comparable quote:
Apply with each of the companies on your list. Remember, since each company's policy will differ slightly, try your best to request a similar (or an identical) policy from each insurer in order to get comparable quotes.
Follow these 5 tips for getting the lowest rate on cheap travel insurance.