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Tour & Travel

 

How Many Excesses Does It Take To Make A Tour & Travel Insurance Policy?

No one likes to think that bad things will happen while you're on holiday, but it becomes a reality for lots of Tour & Travelers every year.

The right Tour & Travel insurance policy can reduce the impact that injuries, illnesses, delays and lost property have on your precious holiday time. Finding the right Tour & Travel insurance policy, unfortunately, is not as easy as ticking off the box next to "Do you want Tour & Travel insurance?" at the Tour & Travel agent. In fact, that could be the most expensive c...

Tour & Travel insurance, holiday insurance, single trip, annial

No one likes to think that bad things will happen while you're on holiday, but it becomes a reality for lots of Tour & Travelers every year.

The right Tour & Travel insurance policy can reduce the impact that injuries, illnesses, delays and lost property have on your precious holiday time. Finding the right Tour & Travel insurance policy, unfortunately, is not as easy as ticking off the box next to "Do you want Tour & Travel insurance?" at the Tour & Travel agent. In fact, that could be the most expensive cover with the least benefits. According to Direct Line insurance, buying your Tour & Travel insurance through your Tour & Travel agent could cost you up to five times as much as you'd pay if you take the time to research and buy your own Tour & Travel insurance policy.

Doing that requires a little knowledge beforehand though. It's important to understand the types of medical situations that are typically covered by a holiday Tour & Travel plan, and which tricks to watch out for that could leave you without the cover when you need it most. Here's a quick guide to what to watch for when you're comparing holiday Tour & Travel insurance.

1. Watch the excess.

Excess is the amount that you must pay before your Tour & Travel insurance kicks in and picks up the remainder of the cost. On the typical Tour & Travel insurance policy, there's an excess of £50 which is often counted against each incident. A few count an overall excess - they might require that you pay the first £150 of all insurable expenses on the trip no matter how many incidents are involved. This can be a vital difference. If, for instance, you stumble and fall, breaking a leg - and your expensive digital camera, along with your eyeglasses - some insurers may count that as three separate incidents, and charge you an excess for each of them, although they all stemmed from the same incident.

Solution: Consider getting a policy with an overall excess.

2. Watch the cover.

Read through the policy carefully so that you can be sure that the most important items are covered. Many policies don't cover you for the most common losses and injuries while you're on holiday. For instance, nearly all policies exclude injuries that happen while engaging in "winter sports".

Solution: If you're going on a skiing holiday, go over the policy, and if necessary, take out specific "winter sports cover" because it's better to be safe than sorry.

3. Cover your baggage.

Your baggage should be insured for at least £1,500, but keep in mind that many items you commonly carry may not be covered. It's typical for baggage insurance to exclude cover for sunglasses, mobile phones, cameras, watches, baby buggies and other expensive pieces of equipment. It's also typical for insurers to set an upper limit for how much they'll pay toward the loss of any one item. If your upper limit is £75 and you lose your £800 laptop, you'll be out of luck.

Solution: Look at getting separate cover for any expensive items that you plan to take with you.

4. Cover your pre-existing conditions.

If you have pre-existing medical conditions that flare up while you're abroad, you may find yourself responsible for all expenses related to them. Pre-existing conditions are also the most common reason for Tour & Travel insurers to reject your policy. If you have a condition like angina or high blood pressure, a history of heart problems or diabetes, you might be wise to look into Tour & Travel cover that takes those conditions into account and will cover you regardless. You may pay a bit extra for the premium and have a higher excess, but the peace of mind will be worth it.

 

Protect Yourself With Tour & Travel Insurance Policy

Everybody eagerly looks forward to his or her next vacation. From choosing the destination to selecting the hotels, planning for the next vacation seems to be a favorite pastime for most people. After all, a trip once a year rejuvenates you physically and mentally and prepares you to withstand the stress of everyday life through the whole year ahead.

But all your excitement and all the meticulous planning can go astray if something unpleasant and unexpected happens during ...

Tour & Travel insurance,Tour & Travel insurance canada,canadian Tour & Travel insurance,Tour & Travel insurance policy

Everybody eagerly looks forward to his or her next vacation. From choosing the destination to selecting the hotels, planning for the next vacation seems to be a favorite pastime for most people. After all, a trip once a year rejuvenates you physically and mentally and prepares you to withstand the stress of everyday life through the whole year ahead.

But all your excitement and all the meticulous planning can go astray if something unpleasant and unexpected happens during your vacation.

Just imagine the shock and panic if one member of your family or Tour & Travel group suddenly needs emergency medical attention. Or what if your luggage and all your important documents get lost? What happens if natural calamity leaves you stranded in the middle of nowhere? How will you cope if all flights are cancelled indefinitely following natural, political or other kinds of disturbances?

All these situations are extremely difficult to manage, at home let alone in a foreign country. But you can better cope with these emergency situations without letting all the money that went into paying the air tickets, hotels etc. go to waste by purchasing a Tour & Travel insurance policy. If you are under the protective coverage of Tour & Travel insurance, you do not have to stress about the unexpected. Once you are armed with Tour & Travel insurance you can be rest assured of 24-hour emergency assistance services.

Here are some situations where a Tour & Travel insurance plan can come to your rescue:

Medical emergency - You will not be covered by your usual health insurance beyond a certain territorial limit. So a medical emergency outside your coverage area means a huge expenditure. International Tour & Travel insurance usually provides coverage for medical and dental expenses and emergency medical transportation.

Natural calamity - You have invested a considerable amount of money in your vacation and now every thing seems to be going to waste, now that your vacation is spoilt due to a natural calamity or very harsh weather conditions. Though the vacation is ruined does not mean you have to suffer monetarily too as the Tour & Travel insurance will take cover all your financial losses.

Loss of belongings - You may find yourself in an unfortunate situation where you fall prey to muggers in a foreign city. You lose all your identity documents and you have not a penny in your pocket. In such cases international Tour & Travel insurance provides you with an Identity Theft Protection that includes recovery services, lost ticket and passport assistance, translation services and emergency and cash transfer assistance.

So as soon as you have decided on your next vacation, purchase your Tour & Travel insurance too right away. It will allow you to enjoy your vacation with peace of mind because you know the insurance company will take care of everything else for you.

 

5 Ways To Choose The Best Tour & Travel Insurance For Your Holiday

Tour & Travel insurance is one of those areas that mean nothing to you until you decide to hit the road – or the air – then suddenly every ad is for Tour & Travel insurance and everywhere you look another company is touting for your business. So how do you choose the best insurance company and the best Tour & Travel insurance for your unique Tour & Travelling needs?

5 Points To Consider

1.The cost of the policy could be more than what you pay

When reviewing the policy options never start with t...

Tour & Travel insurance, nz , new zealand, backpacker insurance, medical insurance, holiday insurance

Tour & Travel insurance is one of those areas that mean nothing to you until you decide to hit the road – or the air – then suddenly every ad is for Tour & Travel insurance and everywhere you look another company is touting for your business. So how do you choose the best insurance company and the best Tour & Travel insurance for your unique Tour & Travelling needs?

5 Points To Consider

1.The cost of the policy could be more than what you pay

When reviewing the policy options never start with the price first. As with most things in life you get what you pay for and while you want to be sure to get the best value for your money, this does not necessarily mean the cheapest price. Comprehensive cover that delivers and supports in time of need is what you should be looking for.

2.What back up do you receive in an emergency?

Are you being sent on your world tour with a 9 to 5 Monday to Friday contact number or are you provided with fully comprehensive numbers providing 24/7 contact and support, reverse charge options and 0800 numbers.

3.What is included as standard in your policy

Some companies come in with a low rate and then charge extra for every doorknob eventually leading to over inflated cover. Go through the company’s policy offerings to be sure exactly what you are covered for. The range should be extensive as the company should know and have addressed a range of pitfalls you may not have thought of.

4.Who underwrites and supports the company

Establish who your support company will be should you face a medical emergency or the need for evacuation. Most companies do not handle these highly specialised areas themselves but have aligned themselves with skilled and experienced worldwide organisations to ensure the best possible protection and support for their customers.

5.Does the company cater for varying needs?

Does the company provide a one size fits all policy? Beware, you may be paying for cover you don’t need or be under insured in some critical areas. Look for a company which provides a range of covers including NZ only Tour & Travel policies, backpacker, group or duo options, long stay, one way or gap insurance and more.




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