Travel Insurance Daily

Why do travelers need emergency medical evacuation insurance? For example, you are relaxing in a well-deserved vacation break after pleading long and hard to your boss. Suddenly, disaster strikes. You are quickly rushed to another place because the area does not have a medical facility. You might need an ambulance or helicopter to transport you to immediate care. Worse, you might need extraterrestrial aid, such as a private air ambulance or a block of seats on a commercial flight with room enough for medical equipment and an attendant. How is one to pay for all these expenses? So you see, emergency medical evacuation insurances are imperative for any traveler who wants to be on the cautious side.

4. You got into an accident and you don’t have enough cash with you for medical treatment.
5. You got ill and you need to cancel your trip.
6. The cruise line, airline or tour operator that you bought your ticket to got bankrupt. You need to get your non-refundable expenses covered to reach your destination.
7. You need to cancel your trip due to a terrorist attack that recently happened to the country/place that you were planning to visit.
8. A natural disaster causes you to evacuate the hotel that you are into.

Reading the following scenarios above gave you the urge to purchase a travel insurance, didn’t it?

Most travel insurance policies will contain a clause in their General Exclusions section regarding ‘willful exposure to danger or peril’ (unless in an attempt to save human life). The onus is on you to exercise reasonable care to prevent illness, injury, or loss or damage to your property. In other words - you should always act as if you are not insured and not tempt fate!

When it comes to winter sports, you do not normally have automatic coverage with your travel insurance policy and will need to pay an additional premium. Most winter sports policies do not cover for anything other than normal skiing and boarding activities. Dangerous activities such as ski jumping, heli-skiing, ski acrobatics, freestyle skiing, ski racing or training, ice hockey, and bobsledding would be excluded unless pre-approved. Exclusions would also apply to offpiste skiing in areas designated as unsafe by the resort management.

Insurance travel plans are inconsistent. It requires a good deal of research and planning in choosing the best for your needs. Thus take into account the area of coverage, prices, and types of coverage, number of people covered and premium, quite seriously. The most interesting plans are those whose coverage ranges from a storm that suddenly closes your local skyline causing some such as delay or luggage lost to more serious matters, such as accidents or natural calamities. Further attention paid as to whether every family member will receive the same coverage. As well as students should pay attention to the fact that insurance travel means useful when studying overseas. Most universities offer health plans but only valuable when the college is in session.

Nobody would want a perfect trip to be ruined. Not purchasing travel insurance or not buying the right one can definitely spoil a trip you have always been looking forward to.
Why the need of buying a travel insurance?
1. Due to bad weather or other unforeseen events, you trip may be cancelled.
2. Luck just may not be on your side; you lost your baggage and all your prescription medicines are in it. You need an emergency prescription filled up.
3. It’s just not your day. Your bag (and inside it are your passport and wallet) got stolen. You need cash for a passport replacement.

Would your travel insurance policy cover you if you fell off an elephant while on holiday in Phuket? Well, maybe - but there could be a reduction in the available benefits. However, if you were on a holiday which included trekking by camel or elephant you would not be covered because the activity would be classified as ‘non-incidental.’ Confused yet? The subject of travel insurance for ‘hazardous activities’ can be very complicated! Many travel insurance policies automatically cover for ‘incidental’ activities. The term ‘incidental basis’ means that your participation in an activity is on a casual, fortuitous, occasional, or minor basis. In contrast, sports tours or activity holidays; for example, a week ’s white water rafting on the Colorado River is considered non-incidental.

• Adverse weather or natural disasters resulting in the complete cessation of travel services;
• Labor strikes that affect public transportation;
• Your home or accommodation at your destination is made uninhabitable due to fire, flood, volcano, earthquake, hurricane or other natural disaster;
• You are subpoenaed, required to serve on a jury, hijacked or quarantined;
• You have been called into active military service to provide aid or relief in the event of a natural disaster;
• There has been a mandatory evacuation due to hurricanes, adverse weather or natural disaster;
• A transfer of employment of 250 miles or more;
• Your involuntary termination of employment or layoff

 When you purchase a trip cancellation program, you automatically become a member of National Small Business Travel & Health Association (NSBTHA). Through this association, members have access to non-insurance emergency travel assistance services and information about events, legislation, and other matters that affect travel.