What You Need to Know About International Travel Insurance

If you like travelling, you should take good care of your health too. Without good health, the travelling plans you made would be really wasted. One more thing you must take care of while you are travelling is the medical costs.

Why International Travel Insurance?

The answer is really very simple, security and budget. If you are travelling from one country to another with limited resources, travel insurance will help you adjust your budget and your expenses accordingly. Compare this to the risk of travelling without travel insurance and then falling sick. You might end up spending much more which will mess up your entire travel plan. Therefore international travel insurance should always be a part of your plans wherever you go.

What are the Other Benefits?

A good example of international travel insurance is the Atlas Travel plan that covers tourists visiting one country from another. In short it provides international travel insurance for both US and non US citizens. The travel could be as part of tourism, research or study. Also the insurance can be from a term period of just 5 days to as long as one year and the cost will vary accordingly. Again, the insurance can be renewed for as long as 3 years.

Features of an International Travel Insurance

The insurance covers quite a lot of features that will keep you safe and give you a comfortable sleep at nights. You don’t have to fret over the rising medical costs and massive bills for visiting doctors. The insurance sometimes provides coverage as high as one million dollars. The insurance covers the cost of the visits you have paid to various doctors, the cost of repatriation and evacuation that you were involved in or the cost of any hospitalization at any point of time. Medications and prescriptions are also covered under the insurance. Hazardous sports riders can insure themselves too if they love adventure and want to play safe as far as finances are concerned.

Applying for the Insurance

Applying for the insurance is very easy. One can do it online instead of going elsewhere. Online applications are processed faster and one can see the exact status at any point of time. Also, one receives the insurance as soon as it is processed in the form of mails. One can keep a printed copy of the PDF documents as proof of the insurance with them at all times. The CMN network is the provider and one gets only 80% of the coverage or whatever the terms of the insurance are. This is generally laid out in the policy and is known as coinsurance which means the ratio of coverage provided by insurance company and self. But a benefit of the coinsurance for a policy holder is that this amount is capped to a maximum of $1000. This means beyond one limit the policy holder doesn’t have to pay for the amount, even though it is his liability as per the co-insurance terms mentioned on the insurance policy.

Looking For Senior Travel Insurance – Here’s What You Need to Know

More and more seniors have become more than ever big on traveling which is why there are many insurance companies looking to selling seniors over 70 travel insurance. If you are an over seventy years of age senior and this is what you’re exactly looking for then read on and find out the things that you need to know before you sign the dotted line.

If you’re traveling within the United States territory with certain medical conditions and plan on staying there say longer than a week consider a medical over 70 travel insurance. If you already have health insurance it wouldn’t hurt to check first the full extent of coverage i.e. whether you can make health insurance claims while traveling before you apply for insurance for traveling as there is no sense to spend for something you may not use at all.

If the travel plan is to go beyond United States borders and stay there longer than 5 days then check your health insurance because many of these companies have little to no coverage at all outside United States territory. With medical insurance for your travels you will be asked to declare all pre-existing medical conditions in your application forms so please don’t skip out some just because it’s being controlled by medications.

It’s more practical and cheaper for an over 70 year old frequent flier to get insured for multi-trip travels (also called annual travel insurance). This saves you from paperwork and from supplying your personal information again and again.

Not all insurance companies offer the same things in their over 70 travel insurance category. So assess your needs are first (i.e. get insured for loss of car rental, accidental death and disability, and stolen personal effects among other things), the length of your stay, and the sorts of things you are likely to do while having your vacation.

Before signing the dotted line, make sure that you have understood the terms and conditions of your policy, what you are and are not covered for, and how to contact your insurer in case the need arises. This is critical to the success (or failure) of your insurance claims if you ever need to.

Fact is over 70 travel insurance is more expensive because insurance companies expect more claims from this age group not really because of your age but because of your health condition. For this reason it is a must that you visit a variety of insurers and ask for the range of options best suited for your needs and don’t forget to check on the age limit as some don’t cover seniors beyond 70.

For the technically inclined senior, you don’t have to physically hop from one insurer to the next for your over 70 travel insurance quotes. All you have to do is surf the Internet for top insurance companies as most of these offer free quotes online. This makes your comparison easier but if you ever need a walk through go ahead pick up the phone and make that call.

Travel Insurance And Pregnancy – Dos And Dont’s

Many women make travel plans after they become pregnant, as they know that after the baby is born they will not have the time to travel. However, it is advisable to take the precautions and not take unnecessary risks, which would harm the unborn child and the mother too. Travel insurance at any time is necessary, but travel insurance and pregnancy is a completely new ball game.

Travel insurance will cover some of the risks involved in travelling during pregnancy. Though most people nowadays are quite casual about travelling during pregnancy, there are some risks involved. Insurance companies, in general, offer cover until the 28th week of pregnancy, but after that time, there are a few insurance companies which offer insurance cover. The premium on insurance during pregnancy is often more than what is payable on other insurance policies.

So what makes it different from other insurance covers? Almost all insurance companies classify travel during pregnancy as a high-risk cover. The main reason for the high-risk classification is that a pregnant woman is more likely to pick up some infection or develop some other complication which will need medical help. Sometimes, medical repatriation may also be required. That is why many of the general travel policies are clear that the woman returns to base at least eight weeks before the baby is due. If this criterion cannot be fulfilled, travel insurance cannot be availed.

Here are some points to remember about travel insurance and pregnancy.

1. Most of the insurance companies, which offer travel cover don’t cover pregnancy, as a general medical condition. You would have to check with your insurance company and find out what has to be done. Most of these companies offer travel insurance during pregnancy as an addition to the existing policy.

2. Travel insurance is very necessary, whatever mode of transport you choose.

3. If you are flying, make sure you inform the airline at the time of booking. Some airlines ask for a fitness certificate from the doctor, while some others will not issue tickets to women with medical conditions such as venous blood clots or who have a history of premature birth.

4. Make sure that the travel insurance covers the newborn, in the instance of a delivery on board.

When you think about travel insurance and pregnancy, there are some limitations which you have to consider.

1. Most insurance companies do not offer cover for multiple pregnancies.

2. Many policies will not cover any complication during travel, if the woman has conceived with the help of fertility drugs or In Vitro Fertilisation (IVF).

3. If the woman has had medical problems during pregnancy, then it may not be possible to get cover.

4. If the woman has a history of complications during conception, pregnancy or delivery, insurance cover may be denied.

5. There will often be no cover available after the eighth month of pregnancy.

Most importantly, remember that travel policies do not usually cover a full term birth.

Snowbird Travel Insurance: Covering the Travel Needs of Canadian Travelers

Canada is one of the world’s countries that have made major steps in insurance with provision of insurance services covering various aspects of the human life and his/her belongings. All ages have been covered in their insurance plans. People all over the world are travelling either on official duties or on vacations. If you thought only the working class has been protected during their trips, then you are quite wrong. The old as well as retirees have a reason to smile and enjoy travelling following the introduction of an insurance policy known as snowbird travel insurance. A large percentage of Canadians known by the name “Snowbirds” are making trips from the country more so during the winter season in Canada. More often than not, the trips range between three and six months involving retirees who desire warm weather.

The policy “Snowbird travel insurance” was derived from the name used in reference to this group of Canadians-the Snowbirds. The insurance covers retiree, senior as well as group medical policies. This a product of the partnership between Insurance Direct Canada-I.D.C and Group Medical Services-GMS which are offering an exceptional travel insurance policy specifically to serve the travelling needs of Snowbirds. The Snowbird travel insurance has won praise among Snowbirds who have been ignored for a long time as far as insurance plans are concerned. Canadian retirees have for a long time gone through tribulations and unnecessary anxieties because no insurance policy was catering for their travel needs. As a Snowbird, you now have the opportunity to enjoy the fruits of your labor by travelling to your dream destination without being anxious.

However, GMS isn’t the sole company offering Snowbird travel insurance to insurance buyers wishing to undertake this kind of cover. IDC only acts as a broker representing other insurance firms. Snowbird travel insurance is offered at affordable rates and hence people in different economic levels qualify to undertake the policy.

Regardless of whether Canadian Snowbirds are travelling within or out of the country, they are provided with emergency medical cover. There are also travel insurance policies for Canadian visitors.

No one wishes to go through tribulations while travelling and always hopes to have an exclusive travel experience, but things do not happen as per our expectations. Many times people have travelled across borders without necessarily having travel insurance. However, this was as result of luck and not custom or principle. Snowbirds are subject to regular illness which might strike unannounced and hence need to undertake Snowbird travel insurance cover. When such emergencies occur in the absence of this kind of cover, it is hard for Snowbirds to solve such problems keeping in mind that most of them lack a steady income. This is very beneficial at such times. This policy covers all medical bills saving Snowbirds the agony of indebtedness.

Snowbirds not covered under this policy have ended up spending dearly from their own pockets; expenses they could have avoided had they taken cover earlier. Nevertheless, it is never late and one can always make a step and purchase the policy.