Travel Insurance Means Never Having To Say You're Sorry

If you're the kind who only makes one great holiday trip each year, then single trip holiday insurance should be top of your list of must do tasks as soon as you've booked. In all the excitement of planning and packing it's easy to overlook its importance, but here's a long list of reasons you should pay it some careful mind.
Who Needs Travel Cover?
If you're like many employees, you probably work hard all year round and take your annual leave one stretch to go on a single trip. Holiday insurance will help make sure nothing spoils that one break you've been looking forward to. In terms of cover, while you may travel for work, your company will have acquired appropriate coverage for that. But more often than not, company policies only cover travel for business purposes. For any personal trips, chances are, you'll be on your own. Single trip holiday insurance is your best bet to augment that.
Why?
There's a simple answer for why you need a good policy: life is unpredictable, and your one big break in the year a time when you cannot afford to let unpredictability get in the way of your objectives. After all the work you've done earning the money to pay for it, then more work planning - getting the best rates on flights, accommodations and tours, comparing prices and deals, perhaps even staying up to catch that special on the internet - it's definitely time to enjoy the spoils of your labour. Fun and decompression is the order of the day, not stress over what you'll do if things go wrong.
That travel cover may just be the one thing that saves you in an emergency - even the most conscientious planners don't think of everything, after all.
The Freedom To Go To Faraway Places and Make Complicated Travel Plans
If you've ever wanted to go somewhere you've never been before such as Europe, Asia or South America, single trip holiday insurance can help secure your peace of mind amidst a whirl of uncertainty.
Travel itineraries with many components throw up plenty of opportunities for things to go wrong. The rule is simple: the more components to a plan, the higher the likelihood of something going awry. Let's say you're taking a trip that requires connecting flights, as well as other transfers like over land, or say a cruise. One flight gets delayed, and then all your plans are affected causing you to miss the connecting flight, necessitating an extra day or two to a hotel, causing you to miss a cruise. See how it works? Appropriate travel cover can reimburse you so you can either rebook or make alternative arrangements should something go wrong at one of those crucial junctures.
Other things can also happen to spoil those holidays: lost luggage, unrest at the destination, even weather disturbances. If you're going to plan that one great holiday, include a decent policy in your plans. It's the one thing that can help make sure you'll never have to say, "I wish I stayed at work!"
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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How To Use Your Credit Card For Free Travel Insurance

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More and more people are opting in for the cheapest things to buy by shopping around, using point and finding places that obtain 'freebies'. Holiday travel insurance is one of those things.
Everybody loves a freebie, or at least the illusion of a freebie and many do not know that they can obtain a travel insurance policy without having to pay additional costs.
The majority of all major credit cards and even the smaller sized companies are using 'free' travel insurance to encourage their card holders to purchase their travel using their cards.
This has both pros and cons which includes being able to stock up on your frequent flyer points, if the program is also attached to the card.
So not only are you increasing your flyer miles you are also obtaining a travel insurance policy.
There are a number of things that you absolutely need to know when using your credit card for travel insurance.
The first and most important point is that by paying your travels using your card does not automatically give you a policy. You must contact your financial institution and advise that you've made your purchase.
You will then need to prove you've paid for the travel in full and must show provide them with the itinerary that is booked. Once this is done they will then provide you with a policy number.
I advise that you double check with your card provider that a) you will be covered and b) what are the conditions.
As this is a 'free' cover which is more of a benefit of the card the coverage is only basic... very basic. Some may only cover medical up to a couple a thousand for instance. Medical bills could sky-rocket way over this limit in some countries. So do make sure you check the policy details before decided.
For high risk countries which are listed as Africa, Middle East and even USA I would recommend getting better holiday travel insurance to cover you. As the medical bills and the risk of theft for example will be higher than what your credit card company is willing to pay.
Lastly, I use the word 'free' loosely in this article because let's face it... nothing is truly free. If you book using your credit card you are going to get slapped with a fee often between 2-5% of the purchase.
Therefore if you are paying $3,000 for your travels then you could pay between $60 and $150.
This is where you need to consider what's best for you. For $150 you can probably obtain a medium to full coverage insurance policy with all the bells and whistles. So why would you use the extremely basic cover for the same price.
Granted, you may book online and get slapped with the fees for credit cards anyway, the alternative being going to the office or agency and paying cash or using Eftpos. So again this is where it comes down to what is best for you.
You can certainly save money on your holiday travel insurance policy by using your credit card, the only catch is your limited to what you're covered for.
Want to find out if you can save on your travel?
Get a quote on Holiday Travel Insurance here then compare the cost and the benefits to your credit card companies' policy. See if you can save using this method and whether it is worth it.
Nothing But Adventure has loads of Travel Tips and Advice that can help you save on your flights, hotels, travel insurance, getting around and more.
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Travel Insurance For An Adoption Trip - 5 Tips For Getting The Lowest Rate

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The decision to adopt a child is a noble one. Adoption is chosen by adoptive families for a range of reasons, many of which are varied and complex. Usually, the decision to adopt is motivated by a desire to help a child in need, expand one's family, make the world a better place, and/or to have the chance to have a child of one's own.
For domestic or international adoptions that require air travel, the trip to bring the child home can be long and involved. These trips usually span many days, and in some cases they can even turn into weeks or months of travel.
As with any type of travel, it is a wise idea to buy travel insurance before embarking upon your journey to pick up your precious child. Insurance is a smart way to cover yourself financially should anything unexpected arise during your trip.
If you are interested in buying travel insurance for an adoption trip, here are 5 tips for getting the lowest rate:
1. Decide whether you need medical coverage:
Medical coverage for travel insurance for adoption trips generally covers payments (up to certain limits) for medical expenses as a result of any illnesses or accidents you encounter while abroad. Coverage in most cases exists for up to one year after you return from your trip, provided that the condition being treated was first treated while away.
2. Determine what types of travel carrier-related coverage you will need:
In addition to medical coverage, you should consider getting coverage for other items related to possible issues with your travel carriers, such as: trip delay, trip interruption, missed connection, baggage & personal items loss, baggage delay, and emergency assistance.
3. Estimate the length of your trip - and then double it before buying coverage:
Many policies will cover you for a given period of time, such as 1 to 30 days, with each additional day beyond day 30 being paid for on a per-day basis. However, given that adoption trips can sometimes be delayed due to unforeseen circumstances while in-country, it is wise to make sure you buy insurance coverage for a period of time up to twice as long as originally anticipated in case you need to reschedule your return trip.
4. Get quotes from at least 3-5 companies:
To find the cheapest rates, be sure to get quotes from at least 3-5 travel insurance companies. Be sure to find out whether they offer insurance designed for adoptive families.
5. Do not be conservative when it comes to buying coverage:
While you may be tempted to save a few dollars by buying a policy with lower coverage limits, remember that a lot can happen while you are away. It is advisable not to skimp on the coverage for your insurance policy for your adoption trip.
Consider these 5 tips for getting the lowest rate on travel insurance for adoption.
Find more info on getting the best travel insurance deals at: Travel Insurance Deals.
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Travel Insurance Tips and Tricks

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Travel Insurance is a system that allows you protection of your well being, your belongings and your financial investments whenever you go away. Although (thankfully) rarely used - it does provide peace when venturing from home for any sustained period of time. It is essential, particularly for families when taking a holiday abroad.
Travel Insurance is also extremely important for those going on business trips. It's not compulsory, however most travel companies would recommend some form of insurance, however small is taken out as compulsory to their holiday product.
Why take Travel Insurance?:
While being the last thing on your mind, having something happen on holiday is certainly the last thing you want. This makes travel insurance a must.
What happens if your flights get cancelled?
The airport lose or damage your luggage?
Your property is stolen?
You are assaulted or injured?
Reservations you have as a result of these situations get ruined?
Purchasing travel insurance prior to leaving protects you in these eventualities and makes sure you are compensated accordingly.
Insurance That's Right For You:
We've established that travel insurance is essential and you should never holiday without it, however one in every four of those who go abroad each year avoid it. With one in every seven people making a holiday insurance claim, this is not good news. How do you find the appropriate insurance for you?
Shop around. If you don't fit into the perfect box of being thirty something with no health issues or kids, then you might need to hunt for the best quote. If you are over 65, you're three times more likely to make a claim and this is reflected on your premium. Don't just accept the insurance that comes with the holiday package - get quotes from specialists who are used to dealing with elderly clients.
Try and deal predominately with actual insurers. There are many companies from shops, to banks or even supermarkets that are now offering insurance. Chances are they are simply a middle man between you and a regular insurer. Compare actual insurance companies prices to these middle men before making a decision.
Always check the fine print in policies. Your insurance excess could be extremely high and may be so much that there could be no point, should you have a small accident. Be aware of double excesses, meaning you could pay one excess for your injury and another for the clothes/jewellery/any equipment you have that got damaged.
Check you have appropriate cover for vehicles, particularly if it's a driving trip, or other specialist holiday like skiing, where you're more likely to be injured.
This article was written by Liz Brian of Simply Holiday Homes. We hope our article helps give you an insight into travel insurance and the best practice.
Please visit http://www.simply-holiday-homes.com/ for all your flying, car, villa and rental holiday needs.
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Essential Travel Medical Insurance Tips

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Medical insurance for traveling purposes is designed to protect travelers while on trips abroad. The comprehensive travel medical insurance tips you find below will help you make the best choice for your circumstances.
Travel medical insurance can cover certain eventualities such as trips to dangerous areas, health complications and prescriptions, together with unforeseen illnesses and accidents. Specifically, this type of coverage is taken out to protect against events that include any health complications, which are not caused by any pre-existing conditions, and traumas that may occur due to accidents.
A policy will contain many terms and exceptions, so it is important to read the fine print. The policy will also specify the countries to which the policy is applicable, and how much it will pay out per procedure. For example, a maximum figure will be stated for hospital treatment, dental treatment, or repatriation. Some cases will not be covered by a standard policy, such as extreme sports or high-risk activities like white water rafting, or bungee jumping. It is worth checking with your insurer or travel agent if you plan on doing anything unusually adventurous.
If you have any pre-existing health conditions they should be declared when you purchase your policy. In most cases insurers will not cover pre-existing conditions. A pre-existing condition is a condition you have been seen by a doctor for, or one that you have taken medication for prior to your trip. Insurers generally consider anything that has occurred within a month prior to your trip as a pre-existing condition, but this can vary from insurer to insurer, so make certain you are aware of the terms before purchasing a policy.
Coverage can be purchased from travel agents, financial companies and travel insurance specialists. You should always keep a copy of your policy with you and write down the emergency telephone number and policy number. Also make sure you keep it with you wherever you go.
Other travel medical insurance tips include taking copies of prescriptions in case you lose your medication or require more during your trip. Your insurer will be able to assist in replacing lost drugs. Check to see if the policy covers repatriation and ambulances, and if you are purchasing a policy for your family make certain you have stated any pre-existing health conditions they may have. It is also worth noting some policies have limits to the amount of family members they will cover. Find out if the policy will pay for medical emergencies upfront, or whether they will reimburse you at a later date.
Most standard insurers that will not cover pre-existing health conditions do this to keep premiums low. However, these days there are many insurance companies that offer policies to those that have pre-existing medical conditions such as diabetes, asthma, epilepsy, cancer and heart conditions.
There are also policies available for people over the age of 65, which is an important move forward as many retired people are far more active now than in previous generations. The best travel medical insurance tips are to always read the terms and conditions, and shop around for a policy that suits your own personal requirements, rather than a standard policy. By being savvy when buying coverage you will ensure you obtain the best deal possible.
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Travel Insurance - 5 Tips to Avoid Hefty Bills Abroad

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Travellers are more aware nowadays than ever before of the importance of taking out travel insurance before a trip. Most travels are likely to go smoothly, but why take a chance and risk ruining that much-needed holiday.
A variety of travel mishaps and problems have dominated the news in the past few years and the importance of having travel insurance, as well as understanding your rights, has never been more in people's minds. Here are a few tips to consider before planning your next trip:
Tip No. 1 - Check that your travel insurance policy covers all your planned activities
Not all activities are covered under all policies, so this is important. If you are on a package holiday and choose to engage in activities outside those included you may find they are not covered unless you have taken out separate travel insurance. However, beware of travel insurance that seems very cheap or is offered as an incentive as the levels of cover may have been reduced - or the excess (the amount you pay towards a claim) increased. Your travel insurance policy should include a list of covered activities, such as elephant rides, scuba diving, bungee jumps, etc. Never assume that everything is automatically covered!
Tip No. 2 - Check that your policy includes adequate medical cover, liability and legal expenses
If you pick up a nasty stomach bug it could potentially put you in hospital. If you trip and break a leg, or sustain a serious injury it could result in very high medical bills for hospital treatment. If you cause injury to another person you could be liable and incur legal costs. If an injury results in medical repatriation to bring you home by air ambulance the need for additional seats on the plane, and/or medical escort, could set you back many thousands of pounds. Your consulate or the airline does not cover these costs. Someone has to pay and - without insurance - that someone is you, or your unsuspecting family or loved ones.
As well as adequate travel and medical insurance, always check that your policy includes cover for air ambulance and medical repatriation. This is vital.
Air ambulance fees to bring you back to the UK from your holiday destination could potentially cost thousands of pounds alone, and up to a staggering £50,000 from the USA! If it is necessary to fly you home on a stretcher with a medical escort the fees from even closer holiday destinations could be almost as financially devastating.
Tip No. 3 - Obtain a European Health Insurance Card
If you live in a EU country and are travelling within the European Union apply for the free European Health Insurance Card (EHIC) and carry it with you. Depending on the country, it entitles you to free or reduced-cost emergency treatment on the same basis as a national of that country, in a state-run facility (not private). The EHIC should not be used instead of travel insurance, but will save you a lot of expense and inconvenience if you should sustain an injury or become sick while travelling. It is important to realise that the EHIC does not cover anything much other than emergency medical care. It does not cover repatriation to the UK or air ambulance costs. You will need travel insurance to cover an array of travel problems, such as non-urgent medical care, ongoing treatment, lost luggage, missed flights, scheduled airline failure, etc.
Tip No. 4 - Do Your Homework!
Research has shown that few people actually take the time to research the local laws and customs of their destination country before they set off. Awareness of potential pitfalls could save a lot of expense and grief. For example, do you know your destination country's rules for a single adult travelling with a child? Do you know which over-the-counter medicines you can and cannot legally take into the country? Do you know the basic rules of the road before driving in another country? The purchase of a good travel guidebook, or time spent reviewing travel advice provided online, such as on the Foreign Office website could help you avoid becoming the victim of a scam, or being arrested or fined for violating a local law that you were not aware of.
Tip No.5 - Make a note of Consulate/Embassy and Emergency Numbers
Before you travel, why not programme emergency numbers into your mobile phone and also keep a note of them with your travel documents. Having the number for the local emergency services programmed into your mobile phone could save time in the event of a robbery or accident - and even save lives. Consider registering with the Foreign Office 'Locate' service (or your own government's equivalent) to better enable the authorities to assist you if an emergency should arise. Their assistance in contacting friends and relatives would be a very welcome lifeline if needed and save you time, frustration, and expense.
It is time to be an educated traveller, as well as a savvy one. Why not pass these tips along to your family and friends. Remind them to take out travel insurance and do all they can to protect themselves and avoid unnecessary and hefty bills on their travels.
Jean Andrews is an employee of Travel Insurance Agencies Ltd (TIA Ltd). Jean regularly contributes informative articles about travel insurance and travel related matters.
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Travel Insurance Procedures And Considerations

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Travel insurance is an act of taking cover against travel related problems and expenses. This may be undertaken before completion of a particular journey. Many people lack to understand its importance and claim that it is not necessary for one to incur extra expenses while travelling. However, anyone can fall sick, a plane or a train can have an accident or other complications that may expose one to danger.
Types of Travel Insurance
There are usually two types: International travel insurance, for those who wish to travel abroad and domestic travel insurance, for those who wish to travel within the country. They can be obtained from your country of residence, travel agents or via existing deals.
An important consideration when buying a cover is the dates of coverage that should specify the day you left your expenses up to the day you return to your homeland.
Among the major functions of this cover is the medical aspect while travelling, it cares for all your medical expenses which may arise during the travelling. Some companies pay for friends or relatives who volunteer to stay and support you during the travel. Other companies even pay lump sum in the event of an injury or unwanted occurrence.
A travel may be cancelled due to a number of factors like: medical condition, disaster or calamity in one's family or either upheavals in your own planned program. In case this happens, they may cover for your travelling expenses and other that may result from the cancellation. There are some cancellations that the insurance company covers while rejecting the other. This includes:
1. Cancellation due to death of a family member, a friend or a partner may not be covered.
2. Family emergencies such a quarrels, hospitalization of a family member, diagnosis with a diseases among other family matter. These are not covered.
3. Cancellation due activities resulting from terrorist are usually covered but when terrorist threats have not been issued cover is not provided until the act happens.
4. Cancellations due to strike are also not covered by many insurance companies especially after union members have voted for the approval of the strike.
5. In case of an unsafe destination, the insurance company covers expenses resulting from the cancellation.
Apart from personal problem that affect an individual some travel insurance companies cover loss, damage or theft or property but only when right procedure are taken and a police report is produced. Thus it is very important for an individual to apply for a cover to take care of the unknown.
We provide the best info about Travel Insurance and AA Travel Insurance. For further details please visit the provided links.
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Is Travel Insurance Confusing to You?

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I have found that the best way to make travel insurance simple is to begin by breaking it down into the various types of what most people think of when considering Travel Insurance.
Basic types of travel insurance:
-Trip/Cancellation Insurance
-Emergency Evacuation Insurance
-Travel Medical Insurance
First let's look at Trip/Cancellation Insurance. This is what most people think of when you say Travel Insurance, it will pay up to some maximum amount if you trip is cancelled or interrupted for a specified reason plus there are normally quite a few other very valuable benefits on good Trip/Cancellation Insurance policies.
Here are some of the things which could be covered:
-Trip Cancellation/Interruption: The covered reasons for a trip cancellation/interruption will be pretty specific and if your trip is cancelled or interrupted for one of the covered reasons you will be reimbursed, if not, you will not be reimbursed. Among the normal covered reasons for cancellation or interruption include; emergency illness, injury or death, financial default of your travel supplier, terrorist incident, the list can go on and on so it's important for you to read the Benefits section of the policy to determine exactly what he covered reasons are.
-Travel Delay: pays for a number of reasons also, among them are; travel supplier delay, natural disaster, medical quarantine and as before there can be any number of reasons.
-Baggage and Personal Possessions: usually includes damage to, loss of or theft of your checked or stored baggage by a common carrier or while stored with your hotel.
-Baggage Delay
-Emergency Medical/Dental expenses
- Emergency Medical Evacuation/Repatriation is used when there is an emergency medical incident, then usually the policy will pay reasonable expenses for evacuation to the nearest adequate medical facility. It also usually pays for reasonable expenses when you are confined in a medial facility.
-Emergency Reunion or Return of Mortal Remains is a benefit we all hope you will never have to use but is a really great benefit when needed. It covers things like: return of minor children or grandchildren, transportation and lodging for family members, etc. Be sure to look at the benefits of your policy to see exactly what is covered.
Common Carrier Accidental Death and Dismemberment
Again let me say read the Benefits section of the Trip/Cancellation Insurance plan you are considering as the complete list of benefits and exclusions should be listed there. Each Trip/Cancellation Insurance policy has slightly different benefits and the cost will vary from company to company. But keep in mind that cheaper is not always better.
Most plans are available with different levels of benefits; basic, normal and the highest level of coverage. The cost of trip cancellation insurance varies depending on the company issuing the policy as well as the benefit level. Generally it is from 4% to 10% of the cost of your trip. Usually there is a minimum trip cost (for example $500).
So, to sum it all up, if you and a companion are going on a trip and the total cost is $2000 each, your Trip/Cancellation Insurance cost should be from $160 to $400 depending on what your ages are.
Well, that's about it for Trip/Cancellation Insurance, next we'll take a look at another type of Travel Insurance called Emergency Evacuation Insurance.
W K Vandiver is the owner of a number of Travel Insurance and Global Medical Insurance websites.
For further information about Travel Insurance please visit our website.
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The Importance of Travel Insurance

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Even the best planned vacations can be interrupted by glitches and emergencies. You lose your luggage. You slip, or catch a bug, and need medical treatment. These not only disrupt your itinerary, but can cost you a lot of money.
That's where travel insurance (also called travel protection) comes in. Specially designed to address the situations and risks involved in travel, it provides coverage from the moment you leave, to the moment you return to your home.
For example, travel insurance can reimburse you for any baggage or items that you may lose during your trip. This is particularly important if you plan to buy anything of high value, such as local antiques, or are carrying very expensive jewellery or electronic equipment.
Your standard medical insurance also tends to be limited to a network area, so without travel insurance, you will have to pay for any hospitalization or medical treatments you receive while abroad. This can be very pricey, not to mention stressful: imagine being sick and broke in an unfamiliar country! If you are visiting a place where doctor's bills and other emergency procedures are expensive, or where there are very real health risks, travel insurance is absolutely crucial.
Travel insurance is also very important if you plan to take a driving vacation. Many automobile policies will not extend coverage outside the country you live. The last thing you want to worry about is how to pay for a rental vehicle that got smashed by another driver, or take over the costs of repairing a car who you may have hit (a risk anyone takes by travelling through unfamiliar roads with unfamiliar driving rules).
Travel insurance can also provide protection against emergencies that are so specific to going abroad that they cannot be covered by your standard insurance policy. This includes trip interruption. Any fees or down payments that you may have made that would otherwise have been forfeited if you had suddenly cancelled your trip will be returned to you.
Travel protection plans can also provide assistance services like an emergency hotline and medical transportation services. This is very valuable when a crisis hits in a foreign country, where you may not speak the language or know your way around a city well enough to locate the nearest emergency facility. When you are distraught or distressed, or when time is of the essence and you need to get help right away, travel protection plans can be your safety net. You may be a stranger in a strange land, but you are not alone.
You may ask, "Why should I get travel insurance when I have really good regular insurance?" Many people are under the impression that their automobile, homeowners' credit card and medical policies are so "extensive" that they would automatically provide protection anywhere in the world. That is not necessarily true. You need to read the fine print. If you don't, and fail to take the additional coverage given by travel protection, then you may find out your insurance policies' limitation the hard way: when you are caught in an emergency, and spending a large amount of money (on top of the deductibles and co-payments) with the hope of compensation very far off. Travel protection is a sure guarantee of security. Now you can take your vacation with complete peace of mind--and isn't that what vacations are about?
Resources.eu.com is an online resource centre covering many topics including insurance and travel insurance.
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What Is Travel Insurance for Backpackers?

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Generally speaking, travel insurance is insurance proposed to manage economical default or non conformance of travel companies, professional medical spending, and other losses incurred whilst vacationing. These scenarios can occur either in a domestic vacation (touring in your own nation) or around the globe.
Within the travel insurance range, there are also a wide variety of insurances that present protection to a range of travelers. Amongst these are student vacationers, business travelers, adventure vacationers, cruise travelers, overseas tourists, and backpackers, to name a few. All of these different kinds of insurance coverage deliver a distinct protection relating to the type of traveler.
Travel insurance for backpackers in specific, is a specifically customized insurance that supplies an inexpensive coverage for backpackers roaming around globe. So whether sunning oneself on dream shorelines, working your way around, or studying overseas, you will most likely obtain a backpacker insurance coverage at inexpensive prices.
Backpackers insurance is among the most demanded insurance plans in the travel industry since the backpacking niche has become even more recognized throughout the years. Since these types of insurance policies are low-priced, backpackers travel insurance is popular among young adults who travel on minimal funds. Several insurance providers and insurance policies might regulate the insured age (probably 40 years or less, depending), the type of travel you do (for example, gap years), and the longevity of the vacation (weeks or months, and even years).
Quite often, these plans are personalized based mostly on the danger the backpacker will be subjected to; a protection for when the "what if" becomes real. And the truth is that vacationing on a budget often signifies that backpackers can be susceptible to a higher risk to accidents and injuries when abroad.
It comes without saying, that before purchasing your backpackers insurance, make sure to read everything - especially the fine prints - to know what's covered, what's not, and under what circumstances. As it has been pointed before, coverage varies from policy to policy.
Backpackers insurance coverage typically performs as an efficient and less expensive choice compared to a single trip insurance plan. It features an array of unique coverage extras such as adventurous activities and sports protection, among other activities often performed by backpackers. But be aware that a traveler does not need to be a backpacker, nor there is the need to be on a tight budget to take advantage from backpackers travel insurance.
When seeking for Travel Insurance for Backpackers you should only look for the travel insurance coverage that matches your necessities and budget. Sites like http://travelinsuranceforbackpackers.net will help you to make an educated decision when you choose to invest in your Backpackers Travel Insurance.
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What Is the Best Travel Insurance for You?

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Are you looking for the Best Travel Insurance for your upcoming trip, but have no idea how to find it? Don't feel alone many people are in the same boat, because travel and trip insurance can be confusing, complicated and even intimidating. What you need is a place to go where you can be sure you will find the help you need to find the type of Insurance for your trip. One place where you can find out about the different types of travel insurance available; Trip Insurance, Travel Insurance, Travel Medical Insurance, Emergency Evacuation Insurance, Extreme Sports Insurance or Rescue Insurance. There are a number of websites that can help you. The real question is which website can you go to for the kind of help and advice you need? One you can be sure will help you, Here is what I suggest.
Of course I don't know what kind of trip you are taking, be it vacation, business, multiple trips or even moving to another country for awhile. And you really must know that the type of Insurance you will need really depends on the type of traveling you are planning on. Why is that? Well, for example if you are going on Safari in Kenya very probably the Best Travel Insurance for you would be a good Travel Medical Insurance plan and it should have a good medical evacuation benefit. The reason is that Safaris can be dangerous and good medical benefits are essential as is good evacuation benefits.
On the other hand if you're going on a deep sea fishing vacation off the coast of Panama your insurance needs would very probably be different than a week in the Bahamas laying on the beach and visiting the casinos. Or if you plan on skiing in the Italian Alps your travel insurance requirements would again be different than a Safari or laying on a beach.
What you need is some expert advice about what you really need to give you the peace of mind to really enjoy your vacation or to allow you to concentrate on business if you are planning a business trip. If you are moving to another country for some period of time then your requirements are again much different than a short vacation or business trip.
How you find the Best Travel Insurance for your needs? The answer is simple contact the people at Global Travel Coverage. There you will find people that help you make the insurance decision that is best for your travel needs, help you find the Best Travel Insurance for your trip.
Thank you for your time and I hope you read more of my articles in the future.
W K Vandiver is the owner of a number of Travel Insurance and Global Medical Insurance websites. For further information about Travel Insurance please visit our website.
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Travel Insurance - To Buy Cheap Or to Buy Best? That Is the Question

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That question is not really very hard to answer. Very probably every time you need to buy something you ask yourself; "should I buy the cheapest or should I buy the best?" I know I do, maybe it's something common to those of us who don't have more money than we know what to do with.
The question of cheap or best is easy to answer if you qualify "best" with "for you needs". So the question becomes should you purchase the Best Travel Insurance for your trip or vacation or should you buy the Cheapest Travel Insurance for your trip or vacation? Let me tell you right now I am a firm believer in purchasing the Best Travel Insurance for your particular needs for the trip or vacation you are about to take. Why? Because it's not expensive and your health, life and peace of mind are well worth the little it costs. And if you buy the cheapest the only real benefit you get is that you save a very small amount of money, especially when compared to what your trip or vacation costs.
 To help you understand what I'm talking about let's use an example not related to travel insurance. Suppose you buy a new car and pay cash for it. Since you pay cash the insurance requirements are different, you probably don't have to buy full coverage insurance. So you buy the minimum (cheapest) required. You are in an accident and your new car is destroyed, guess what you now own a big pile of metal and plastic. Why because you saved some money by purchasing the cheapest insurance you could get. Was that a smart decision, I don't think so. This actually happened to a friend of mine.
Now what if that would have been a vacation or trip and you purchased the cheapest insurance not the best travel insurance for your vacation/trip? If something happens while you are travelling and you saved a little money on your insurance and the illness/injury or whatever wasn't covered, how would you feel? I imagine you wouldn't feel very good about saving a few dollars. So what do you think the answer to the question is?
You should always get the Best Travel Insurance for your particular vacation or trip.
Thank you for your time and I hope you read more of my articles in the future..
W K Vandiver is the owner of a number of Travel Insurance and Global Medical Insurance websites. For further information about the Best Travel Insurance for you, please visit our website.
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Top Tips to Find Cheap Travel Insurance

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If you've worked hard throughout the year, you'll probably be ready for a well-earned holiday. However, it is also quite possible you may have a fairly restricted budget. After booking flights and accommodation you may not have very much left for single trip travel insurance. It might even be tempting to jet off for your chosen holiday destination without the assurance of comprehensive cover - but that is very ill advised. Adopt the money saving strategies outlined in this article so the pain of getting cover is reduced.
Do Some Online Research
If you book your holiday at a local travel agency, you will probably be offered the option of adding cover. However, you should bear in mind these agencies will have established business relationships with mainstream providers and may be unlikely to give you a complete picture of your options. Of course you are under no obligation to accept the first policy offered, so it would be far more sensible to conduct online searches and visit the price comparison websites. You may well discover an outstanding single trip travel insurance deal.
Take Advantage of Discounts
You will find some companies willing to offer discounts to loyal customers. It is also worth pointing out there are some websites specialising in the provision of discount codes. You should register for the regular emails just in case there are any special deals on single trip travel insurance you can snap up.
Tailor the Policy to Your Requirements
Some providers will enable you to remove any cover that is definitely not required. So if you've booked a last minute flight you will have the option of doing without cancellation cover, for example. If you're planning on spending the entirety of your holiday beside the swimming pool you might not need cover for dangerous activities, and so on.
Consider the Amount of Excess
You'll find the cheapest single trip travel insurance policies have a particularly high level of excess. If you opt for these policies you will have very limited financial protection in the event of unexpected incidents and you may have to contribute a considerable amount towards the cost of medical bills or repatriation. However, if you obtain a policy with minimal excess, the insurer will have to provide most of the money.
Don't Base the Buying Decision on Price Alone
If you are particularly short of money you might be tempted to opt for the cheapest policy available. However, you'd be better advised to take your time and choose a policy provider with a positive reputation. You should read the small print and ensure you have adequate financial protection. Ask for a second opinion if you have any worries or doubts about a particular policy.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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Tips For Travelling With Children

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When it comes to travelling with your family, there's a lot of planning to do before you leave. One of the main things is to ensure you have appropriate insurance cover; with just a small outlay you could save a lot in the case of lost luggage or medical emergencies. A family travel insurance policy is just one of the things you'll need to tick off on your holiday planner; here are some of the others.
Invest in a child locator
If you have young children and you want to ensure they are safe when you're abroad, it is highly recommended that you get a child locator. This electronic tracking system triggers an alarm to help you locate your child if you become separated in a crowded place like a theme park or a carnival. It also is perfect for those with more than one child. The device is a modern version of the dreaded leash, which all children hate.
Double-check everything
It's hard enough if things go wrong with your accommodation or flights when you are travelling by yourself, but it can be a disaster if you have children with you. Double-check everything: passports, tickets, bookings, and your luggage. If something does go amiss, a family travel insurance policy can save you time and resources if your flight gets cancelled or your hotel room is overbooked.
Pack your child's bag 
Unless you want to arrive with a backpack full of marbles and remote control cars, be sure to edit the contents of your child's bag before you leave. While it is fun to indulge them and let them pack their own luggage, make sure you make a last minute sweep to remove unnecessary contents.
Always at the ready
Whether it's dusty hands, a smear of chocolate or a bathroom emergency, a bag of wipes and some bacterial gel will be your best friends when travelling with kids. Stash them in bags where you can easily get to them and always carry more than one pack.
Savoury over sweet when it comes to snacks
When it comes to snacks, avoid candies and sweets, which can result in hyperactive behaviour and upset tummies. Keep children's energy stable by feeding them nuts, chips, or a banana. The last thing you want is an overexcited, tantrum-throwing child being sick in the airport.
Stay well and safe
Seasoned travellers know that a travel first aid and medicine kit is the first thing that should go in to your luggage. While your family travel insurance policy will cover all the large medical emergencies, you'll still need to deal with things like scrapes, sunburn, cuts and bruises. When you're in a country where you don't speak the language, having your own Band-Aids can come in very handy!
Give them a travel journal
If your children are old enough to write or use a tablet, entrust them with their own camera, travel journal or iPad (just make sure you include any electronic equipment on your family travel insurance policy). They will be able to feel more involved in the journey if they have the task of documenting it - it will stave off boredom and become a wonderful memento of the trip.
All these tips will ensure that you and the whole family can have a fun and relaxing holiday.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including family travel insurance, annual, multi-trip and single-trip insurance. For all your travel insurance needs, Insuremore can help you in the quickest and most cost-efficient way.
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5 Common Types of Travel Insurance Options

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Travel insurance is a necessary purchase whenever you go overseas, whether you go for a weekend away or a round-the-world backpacking adventure. However, choosing a policy is not always straightforward. There are many options you may want to consider, and here are five of the most common options to help you make your decision.
1. Single Trip & Multi Trip
One of the first decisions you will have to make is whether to purchase a single-trip or multi-trip policy. You may be considering single trip holiday insurance, and if you are only planning on going abroad once during the year, this is often the best option. However, if there is a chance you may go away again, a multi-trip policy may work out more affordable overall, and it can also be more convenient, so check out all your options first.
2. Winter Sports Cover
Are you going on a skiing or snowboarding holiday? Then you will probably want to purchase a specialist winter sports policy. You can sometimes get this included on a single trip holiday insurance policy, but you may have to buy it separately. This will provide you with unique cover related to these activities.
The same is true for any extreme activity - even if you don't think it is that extreme! Always check which activities are covered before doing anything overseas, because if you don't have the right cover, you may find that you are not insured if something goes wrong.
3. Pre-Existing Medical Conditions Cover
If there is a chance you have a pre-existing medical condition, make sure you get the okay from your insurer first. They will often ask you to answer some medical questions and you may find that you are covered after all. However, if you are not covered, you may be refused cover, or you may have to purchase a specialist policy. Don't take any chances, though, because you could end up without medical cover when you most need it.
4. Backpacker Insurance
If you are going away for a long period of time, you may want to take out a specialist backpacker or gap year policy. These are available from many companies when you are looking for single trip holiday insurance, and it may be a more affordable option. It may also be more convenient, because it is especially designed for longer trips rather than short holidays.
5. Family Policies
If you are going on a family holiday, always look for family policies. You may be able to get everyone covered for less than the cost of insuring separately, and it can also be more convenient.
Get the Right Cover
Whether you decide to buy single trip holiday insurance, multi-trip cover, a family policy or any of the other options, make sure you carefully consider your options first. You don't want to purchase a policy that you later find is unsuitable, so always read the details carefully and ask if you are unsure about anything. That way you can relax and enjoy your holiday knowing that you are fully covered for every eventuality.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip holiday insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.




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What is the Difference Between Travel Insurance and Trip Insurance?

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Many times I have had clients ask me, when should I purchase Trip or Travel Medical Insurance. What's the difference?
There are, of course, major differences that is why they are normally purchased for different reasons. Understand that the Benefit descriptions here are really short so be sure and read the full Benefit information of any plan before you decide that it's the one for you.
Trip Cancellation: When your trip is cancelled due to reasons out of your control.
  • Trip Insurance: Payment is based on the cost of your trip, typically up to $20,000
  • Travel Insurance: No Benefit
Trip Interruption: When your trip is cancelled due to reasons out of your control.
  • Trip Insurance: Payment is based on the cost of your trip - usually the amount of your trip
  • Travel Insurance: Pays to return you to your area of principle residence up to some amount, typically $5,000
Travel Delay: Lost or stolen passport travel documents, or money medical quarantine natural disaster your injury or illness or that of your travel companion
  • Trip Insurance: Up to $500 per insured person
  • Travel Insurance: No Benefit
Baggage and Personal Possessions: Damage to, loss of, or theft of your checked or stored baggage by a common carrier
  • Trip Insurance: Also while stored with your hotel. Typically will pay up to $1,000 per person
  • Travel Insurance: Usually pays much less per person maximum
Baggage Delay
  • Trip Insurance: Will pay some amount typically up to $100
  • Travel Insurance: No Benefit
Emergency Medical/Dental Expenses
  • Trip Insurance: Up to some specified amount usually something like $10,000
  • Travel Insurance: Up to policy maximum
Emergency Medical Evacuation/Repatriation: Reasonable expenses for evacuation to the nearest adequate medical facility
  • Trip Insurance: Typically up to $20,000
  • Travel Insurance: Up to a much higher amount than trip insurance, something like $500,000
Emergency Reunion or Return of Mortal Remains: Will pay for return of dependent child or grandchildren, transportation and lodging for a family member to be at your bedside
  • Trip Ins.: Typically will pay up to $3,000
  • Travel Ins.: Will pay typically up to $50,000, much higher than trip insurance
Common Carrier AD&D
  • Trip Insurance: Up to some specified amount typically $100,000 per person
  • Travel Insurance: Up to some specified amount typically $50,000 per person with a maximum of $250,000 per family
What does all of this really mean? Well, it looks like the Insurance specifically designed to protect your Trip investment (airline tickets, cruise tickets, hotel costs, etc) is better than Travel Medical Insurance which doesn't cover any of this.
If you are concerned about your $5,000 investment in your vacation this summer you can purchase Trip protection for approx 4%(based on age of 0-49) of the cost. That's $200 to protect our investment, not a bad deal.
At the same time if your trip is delayed you have some protection against that too. Really handy for things like Iceland volcanos, earthquakes, airline worker strikes or sudden outbreaks of terror activities in the country you had planned on visiting. For these 3 possibilities, trip cancellation and trip delay protection is well worth the money.
However, remember that Trip Insurance, like all insurance, must be purchased prior to something happening, so it's best to get it quickly after paying for you trip.
W K Vandiver is the owner of a number of Travel Insurance and Global Medical Insurance websites.
For further information about Travel Insurance please visit our website.
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Travel Insurance for Family Trips - FAQs

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Here are some FAQs on the subject of travel insurance for family trips.
Is this cover still needed these days with the EHIC?
The EHIC (European Health Insurance Card) is very useful and it's free. It entitles you to free emergency health treatment in a member state to the same level as that which would be available to a local citizen. However, remember that its cover is not total. It won't cover certain forms of treatment categorised as 'non-emergency', or ancillary expenses such as air ambulance repatriation, or the costs of your relatives staying with you. Of course, the EHIC is not recognised outside of Europe.
Can I get cover for a period of time or just one-off holidays?
That depends upon your insurance provider, but travel insurance for family trips is typically available in either specified-duration (usually covering a break) or it might be possible to obtain annual cover if you and your family travel regularly. You may find that if you do travel several times a year, some form of annual cover might be most cost-effective.
Could some family members be excluded from cover?
Depending upon your provider, yes, that might be a possibility. Some policies might exclude people above a certain age or those suffering from serious pre-existing medical conditions.
What about certain destinations?
It might be the case that an individual policy provider decides the risks of visiting an individual country, or perhaps a region of a country, might be unacceptably high. If so, that will usually be clearly highlighted. Pay close attention if you are in some parts of the world and close to the border of a country that your policy does not cover. If you cross the border, accidentally or intentionally, you may risk invalidating your insurance protection.
Will a policy cover me for all risks?
That's perhaps unlikely. All policies carry terms, conditions and some exclusions. You should read these very carefully before deciding whether or not a policy's provisions are suitable for you.
If I claim, will I be investigated?
This is something of a misconception and something that sometimes causes concern to legitimate claimants. The fact is that, unfortunately, fraud is far from rare and companies are obliged to perform certain largely routine checks when a claim is lodged. This is partly to ensure the legitimacy of the claim and partly to ensure the circumstances are covered by the policy.
Contrary to some urban legend, reputable providers never approach a claim initially from the perspective of trying to find reasons to reject it. To the contrary, their sole objective is usually to try and resolve the claim to the policyholder's satisfaction as fast as possible.
How can I keep the cost of my cover down?
There are a number of options you might have including selecting a higher excess if your provider allows for such. Above all though, when looking for travel insurance for family trips, remember to shop around and compare quotations.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel cover and offer a range of policies including annual, multi-trip, single-trip and travel insurance for family holidays. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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Comparing Travel Insurance for Family Trips

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Travel insurance for family holidays used to be a one-stop shop at the travel agents. Nowadays the industry has changed beyond all reckoning, but the ease with which you can now book online and buy your policy is better than ever.
Taking 20 to 30 minutes on a comparison website, enables you to consider the best options for cover, the excess and the quality of the provider. While the choice of policies on the market today may be mind blowing, why not consider these useful tips that will enable you to work more efficiently in choosing the best cover for your holiday?
Decisions, decisions
Probably the hardest part of choosing travel insurance for family holidays is considering what policy works best for you. Providers have a gamut of options from single trip to annual multi-trip policies, so thinking ahead may well help. If you're likely to embark on two holidays in a year, then an annual multi-trip family policy may work better in the long run.
Shop for the best
The Internet can truly offer the best travel insurance for family holidays, as long as you are prepared to shop around for the best deal. Comparison websites offer a multitude of options and can take much of the hard work out of looking for that elusive policy to fit your family's needs.
Limits can work
Limits - be they financial or geographical - can provide for cheaper cover. For example, you can stipulate only European or the specific part of the world you are travelling to rather than opting for worldwide cover.
Don't be tripped up
While limits can be a positive in driving down policy prices, the reverse is true in that you will need to look at the excess coverage - too high and you could be left out of pocket - and age and medical conditions may well work against those looking for comprehensive cover.
Declare everything
With most family holidays there will be a huge amount of high-tech gear in tow. Whether it be Ipads, laptops, cameras or mobile phones, it is important that travellers declare valuables, including jewellery, to ensure a claim can be made legally and smoothly if the item goes missing or is stolen.
Don't be too adventurous
Checking online for travel insurance for family holidays enables you to discover in real time what risky activities - such as scuba diving, rock climbing, water rafting - are covered by a chosen provider. Even innocuous pursuits can be deemed too adventurous for the policy provider, so always check for a safe and secure holiday. And if in doubt, just pick up the phone or email them to clarify matters.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance for family groups as well as annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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Travel Insurance Policy, Why Do You Need It

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Travelling may mean holidays for some or business meetings for a few; every person who travels whether it is within the boundaries of his nation or foreign land should be equipped with travel insurance. If you always take the safest routes and take the best of precautions against uncertainties and feel you do not require a travel cover and feel it is just an added expenditure then you need to think over it again. Below mentioned are a few reasons that will tell you why you should give yourself and your loved ones travel coverage every time there is travel involved.
Natural disasters: The weather across globe isn't the same always, with earthquakes, floods etc hitting countries every now and then it is impossible to predict what course nature will take any moment. If during your travel, you come across any such unexpected incident, the only option for you to do would be wait until things are settled and arrangements are made for your safe return. If you have a reliable travel insurance cover it will take care of your expenses during such hard times and will also act as medical travel insurance if the need arises. However well planned your trip and foolproof your budget may be such incidents can make things haywire for you. Therefore, having a sufficient coverage policy for your travel is a must.
Unexpected accidents: You are on your way to meet that important client for whom you travelled so far and suddenly a car hits you. What do you do in such a case? In foreign land where you will not have even the slightest of idea where can you rush during medical emergencies, it is obvious for you to be left all alone. If you have a travel insurance that covers you against accidents there will always be an assurance of quick and efficient treatment during such medical emergencies. The insurance holder becomes the responsibility of travel insurance company when he is travelling and thus the provider makes sure the best possible arrangements are made. It is always better to stay on the safe side and a travel cover provides you just that.
Loss of baggage: Loss or theft of baggage and important belongings can happen to anyone. Imagine your important documents along with your passport are lost; without a passport it is difficult to survive in another country. To reduce your worries and help you out, travel insurance can be a great companion. An important part of travel coverage includes loss of baggage and passport too so that your travel is made hassle-free.
Looking at the above mentioned instances that you can encounter during your travel, by now you might have been convinced that uncertainties can hit you anywhere. One of the effective precautions you can take to avoid them is to opt for travel insurance.
A reliable Travel Insurance cover can keep you well prepared to deal with uncertainties if at all they strike you. To know more about Travel Insurance companies, visit us here.
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