Travel Insurance Daily

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.

• Ask yourself this question: When you bought your travel insurance, was it within the the eligibility window?
  Most plans generally require you to buy your insurance within 15 days of your trip. Others require 10 or 21 days so do not wait too long otherwise you will not be covered. Also commont is waiting for 14 days after buying the insurance, so that they will be able to file a claim for reimbursement. Many insurance companies, generally, want to ensure that you bought insurance because of precautionary reasons and not on the basis of flying as soon as news announced your airline has gone bankrupt and completely shuts down its operation. Always remember that insurance is a high target for fraud. Yes, insurance companies have their customer’s interests in mind. Use a company that is reputable you should receive exact answers to your questions.
• Most important of all is that you want to make sure that your travel supplier (in this case, an airline, or this may include a cruise or tour company) is included in the list of covered companies by your travel insurance. A good travel insurance company always informs their customers of what companies they have blacklisted.

(more…)

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.

Terrorism has been thrust into every nook and cranny of insurance policies the world over since that fateful day known as 9-11. Many insurance providers are very cautious about such incidents for issuing policies to victims of such dastardly acts can cost a lot of cash. Today, when people mention the word, they simply shrug it off and accept it as part of daily life which has prompted providers to either strongly support or deny coverage of such acts. Most vehicular policies used to have added exclusions to such events but as with the many other types of insurance, they have begun to include them as one of the accepted coverage clauses. Mainly, because of the fact that terrorism knows no boundary and time so anybody can fall victim.
There are however some solid cases or instances wherein they would deny you coverage, say a trip to IRAN or GAZA (if you can ever get a visa or authorization to get in).

While you may have excellent health coverage at home, chances are your health care provider may not cover you on your trip overseas. You may need to purchase short-term health insurance designed specifically to cover travel. Short term medical travel insurance is a type of insurance policy that protects you and your family against unexpected illness or accidents which can happen during your overseas vacation. It’s called short term because the coverage period may be anywhere from 5 days to 3 years. Medical coverage includes doctor’s consultations, intensive care, emergency room services, hospitalization, emergency medical evacuation and repatriation and coverage for accidental death and dismemberment. If your trip involves activities such as jet skiing, scuba diving, mountaineering, etc., you may also need to add a hazardous sports or extreme sports rider. Check which companies offer insurance plans that will cover health care expenses incurred overseas including emergency services such as medical evacuations.

Image source: www.adventure.howstuffworks.com

You may think that by the age of 65 you should be able to look forward to as many holidays and trips abroad as you possible can, finding suitable insurance really can be a daunting task and unfortunately as your age grows so does your travel insurance premiums.

However all is not lost, although it may be more difficult there are companies that can provide you with the holiday insurance and peace of mind that travel insurance can offer you, it may just take a little longer to find it.

Having adequate holiday insurance is extremely important no matter what age you are and is not something that should be over looked. The best place to start when looking for travel insurance is over the internet. Using online forms means that you can fill out and compare prices in the comfort of your own home.

Once you have found a package that suits you and your fellow traveller you will be able to enjoy your holiday knowing that every event is covered. Once you have found a company that suits you and provides you with help and support you will also know that you can use the same company time and time again so you will not be dreading your next vacation.

Insurance travel is something that everyone should consider whenever in face of distant business or vacation journeys, no matter how well thought of the travel plan might be. A long journey, particularly traveling abroad (which is always miles away), is bound of unforeseen risks. Therefore insurance travel promises a safer and secure environment to make your trip problem and distress free. Any kind of travel to distant places, especially when travelling with the family , requires further planning. Unfortunately, there are things that can come across to ruin your trip in a matter of minutes. Aside from fortuity, what we need is a good insurance provider. Hence the assortment for the insurance travel policies and modalities available on the current market sports a wide range of choice adaptable into our travel necessities.

Nowadays, airlines keep struggling because of the competition. Ever now and then we hear airlines reorting poor profits because of high labor costs, high cost of gasoline, renewed threats of terrorism. One after another, we hear of airlines going bankrupt.

9/11 had caused the need of travel insurance more and more. There are many travel insurance companies that offer good, reliable coverage, and this includes trip cancellation and emergency medical. Have you wondered what would happen if you schedule your trip several months away, and during the interim your supplier of travel insurance declared bankruptcy? You may be covered, you may not, depending on the type of travel insurance you have.

As an example, a good number of travel insurance companies have already blacklisted airlines who have expressed their financial troubles publicly.  So it is important to check if your airlines will cover travel insurance polciy while you are traveling.

Have you heard about Trip Cancellation Program? These coverages pay certain non-refundable expenses if your trip is cancelled or interrupted for the following covered reasons:

• Unforeseeable financial default or bankruptcy of a tour operator, cruise line or airline that occurs 14 days following the client’s effective date (ONLY available when purchased prior to/or within 24 hours of your final payment for your Covered Trip);
• Sickness, injury or death of you, your family member, or traveling companions;
• A terrorist act which occurs in your departure city or in a city which is a scheduled destination for your trip, provided the terrorist act occurs within 7 days of the scheduled departure date;