Good Travel insurance may assist you in covering any financial losses or medical expenses that might occur during your trip. Also, having travel insurance is regarded as the ideal protection for individuals traveling overseas or domestically. However, there are certain factors any good travel insurance should cover (including cell phone) and you need to be aware of these factors prior to signing the policy papers as they’ll help you remain protected from the unpredictable.
Good Travel Insurance
Following are the few factors any good travel insurance should cover:
People are generally aware of their co-pays costs when it comes to their plan within the United States, but they usually lack the knowledge associated with international travel. There’s a pretty good chance that your coverage will not last beyond borders. Thus, your insurance plan should cover travel medical insurance along with major medical insurance.
These can help you when you’re injured or ill while traveling. Travel medical insurance covers short-term medical requirements and may last from 5 days to a whole year (according to the policy) while major medical insurance is ideal for travelers wishing to spend more than just a few months abroad.
Having these insurances may assist you in covering various medical expenses along with locating hospitals, doctors, foreign-language services and healthcare facilities in the event of an injury or illness. Thus, it is always a good idea to inquire the insurance company regarding medical care as it will help you decide whether you should buy medical insurance or not.
Cruise fare, plane tickets, hotel rooms, golf green fees, tour packages and chartering fishing boats all require pre-paid investment and are mostly non-refundable and that’s why trip cancellation cover is a must for any travel insurance policy. However, the cancellation coverage can reimburse your prepaid and non-refundable expenses. Usually, insurance companies provide you with a list of cancellation cover reasons; a few of these are given below:
ü Flight cancellation or destination damage due to hurricane
ü In the event of terrorist activity in the destination city
ü Travel supplier bankruptcy
ü Injury, sickness, or the death of a traveling companion or family member
ü Jury duty
ü Work emergency or being laid off from work
Travel Delay, Delayed or Lost Bags
Your travel insurance should cover the delay of flights and baggage or along with baggage loss. Any baggage lost, damaged, or stolen can be reimbursed with baggage coverage and if your baggage is delayed, the delay coverage can provide you with enough money to purchase essentials like a change of clothes, a toiletry kit or swimsuit until it arrives. Also, if our flight is delayed, coverage for travel delay provides compensation for added expenses, such as a restaurant meal or extra night at the hotel.
Emergency Evacuation Coverage and 24/7 Phone Assistance
Emergency evacuation costs can be distressing and having coverage along with a 24/7 assistance lifeline to deal with such situations can provide some amount of relief for the traveler. This coverage will make payments for emergencies like airlifts plus flights with medical facilities to transport the traveler to a hospital of their choice. Also, in the event of losing baggage or medical emergencies, a 24/7 support should be provided by the insurance company. The next time you’re planning a trip, considering the above factors any good travel insurance should cover can help you make the right choices and travel with peace of mind.
How to Choose Travel Insurance
Insurance — be it car, home, health, or travel — is always difficult to compare and buy. One of the most frustrating aspects of our pre-trip planning for our 4 month excursion to Argentina and Belize was finding travel insurance — specifically narrowing down travel health insurance options. We ended up choosing World Nomads (you can read our World Nomads Travel Insurance review roundup here) in part because it was just an easier process with more clearly communicated policies. But, comparing travel insurance and deciphering health specific travel insurance options shouldn’t be complicated. So, we’ve put together a short series about how to choose travel insurance. Check out the next three posts to learn more about comparing travel insurance.
How To Compare Travel Medical Insurance
Travel Medical Insurance: For me, the single most challenging piece of traveling for an extended time was figuring out medical insurance before I left. (Because I quit my job to travel, I no longer had medical insurance.) Because a medical issue can cost an enormous amount of money (the number one reason people declare bankruptcy is because of medical bills) it’s critical that you have some sort of medical coverage while traveling. The trick is determining if you need just a basic travel insurance policy or a policy that is specifically medical. This guides you through how to choose and compare travel medical insurance.
photo credit: ssoosay
Travel Medical Insurance Determine Your Resident Country’s Medical Insurance
Depending on where you live, it’s possible that your country’s medical care system will cover you while you’re traveling abroad. If you a US citizen – the US government doesn’t provide any sort of coverage for you. And, if you already have health insurance, there’s a strong possibility that your medical insurance won’t even cover you while you’re traveling internationally. Check your policy.
Determine Coverage for While You Are Home and Not Traveling
Again, I can only speak to this piece from a United State’s perspective. If you’re quitting your job to travel you have the following options for health insurance:
CLICK HERE FOR TRAVEL INSURANCE QUOTE from Worldnomads.com
COBRA – COBRA is an option if you want to stay on your current health plan. However, it’s extremely expensive. Check with your employer to find out more about COBRA coverage.
EHealth Insurance – EHealth Insurance offers Short Term Health Insurance Policies — However, note that pre-existing conditions are not covered for most short term plans. (Though this may be changing with the new health care bill.) If you’re a regular healthy person this probably won’t be a problem. But if you have a chronic illness or injury, this may not be for you. It’s important to have some sort of medical insurance for right before you leave to travel and for when you get home. Note that these plans probably don’t provide coverage for you while you’re abroad. But they are important for providing coverage once you are home.
Determine Your “Host” Country’s Medical Insurance
If you’re going to travel to a single country, such as New Zealand or France, it’s possible that if you get into an accident while there you’ll be covered by that country’s health care system. You should look into health care in the country you’ll be visiting and if/how you would be covered. If you’re going to multiple countries you should definitely buy travel medical insurance or at least travel insurance that covers emergency medical issues.
Buy Travel Medical Insurance
Most likely, after researching the above you are going to want to buy an international travel medical insurance policy.
What to Look for in a Travel Medical Insurance Policy
Pre-existing condition coverage — Many international medical insurance policies do not cover prexisting conditions. However, some policies will cover “acute onset” or “unexpected recurrence” of a pre-existing condition. This essentially means that if suddenly your knee goes out due to a football injury when you were in high school, you’re ok. But if you’ve need continuous treatment for the condition then you’re not covered. What’s the limit for pre-existing coverage conditions. For plans that offer preexisting condition coverage I’ve seen ranges from $1000 – $100,000 in maximum coverage.
Emergency Medical Treatment Does the plan offer emergency medical treatment coverage? What are the limitations and exceptions? (see high risks sports section below and preexisting condition coverage above)? What is the limit to the most amount of money they will pay for emergency medical treatment?
Emergency Medical Evacuation and Medical Repatriation: Squaremouth defines as: “Emergency Evacuation arranges to medically transport a patient to an appropriate medical facility. Medical Repatriation arranges for a patient to return home to receive care. Repatriation of Remains arranges for return of deceased remains back to the place of residence.” What are the maximum limits per person and per policy? This may also include death/funeral/return of remains coverage.
Death/Funeral Expenses: Is there coverage for return of remains in case of death? What about funeral expenses? Yes, this is terrible to think about, but you don’t want your family to have to pay these expenses if you were to die while traveling.
Accidents for “High Risk” Sports — Skiing and snowboarding are considered high risk and not covered by many policies. Evening if you get injured during something as low key as canoeing you might not be covered. The World Nomad’s policies are known for covering most activities and adventures.
Where to Buy
Squaremouth: Squaremouth is essentially a search engine for travel insurance and travel medical insurance. It has an amazing (the best I’ve seen) comparision chart for international medical insurance. If you need coverage for a preexisting condition Squaremouth shows you good policies. excellent. These policies may be more specific to medical insurance and may not offer basic travel insurance coverage for issues like trip cancellation or theft.
World Nomads: World Nomads Travel Insurance is used by many backpackers and twenty-somethings. It has especially good coverage of high risk sports, easy to understand policies, and an easy to file claims system. World Nomad’s policies tend to be general travel insurance policies.
Allianz Travel Insurance, is another that is worthy of checking and comparing
CLICK HERE FOR TRAVEL INSURANCE QUOTE from Worldnomads.com
Cruise Travel Insurance: Is it Worth It?
Should I Buy Travel Insurance?
Is Travel Insurance Worth It? 5 Questions to Ask Before You Buy
Buying World Nomads Travel Insurance
Travel Insurance How You Can Choose the Best Plan
How to Protect Your Home When You Are Away
A vacation is a precious opportunity to escape the everyday cares that are a part of most people’s lives. You can ensure your peace of mind by following some tips to protect your home while you’re away. Nothing tips off potential burglars to the fact that you’re not home the way that piled up mail can do. Arrange with the post office to hold your mail for the duration of your trip.
Also, make sure to suspend any newspaper subscriptions. Another great way to protect your home is to have someone house sit for you. You can ask a trusted friend, relative or neighbor to do this (at the very least have them collect your mail or newspaper if you did place a hold). Alternatively, a professional house sitting service can also be engaged.
Whether you go with a pro or not, a house sitter can make certain that the plants get watered and that pets are cared for in addition to simply making your house look occupied even while you’re not there. If you’re going to be gone for a considerable length of time, ask your house sitter to periodically mow your lawn.
One of my favorite things to do when EVER I’m not at home regardless if it’s a quick run to the store or a month long trip is to leave a radio on.
It’s also advisable not to advertise the fact that you’re out of town. Don’t post explicit travel plans on social media websites, and resist the temptation to alter answering machine or voicemail greetings. Wait until your return home to post your amazing pictures and update your social media. You never know who’s watching or listening. Technology can be your greatest ally when you are seeking to protect your home. Smart home technology makes it possible for you to double check your home’s security from the other side of the world using your cell phone or other mobile device.
Check in to making your home a smart home well before you leave as the installation of security cameras and other devices may be required. These systems may enable you to turn lights on and off and do other things to make your house look inhabited, a valuable tool while you are far from home. A monitored security system is another excellent means by which you can protect your home. Whether it’s a break in, flood or fire, a monitored security system is always on the lookout for problems and can get in touch with you and the proper authorities, if necessary.
Vacations should be times of rest and relaxation that allow you to take a break from the worries that are a normal part of life. By ensuring the security of your home, you’ll rest easier while you’re away knowing you protect your home while you’re away.