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Holiday, Vacation & Tour

 

How Many Excesses Does It Take To Make A 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 travelers every year.

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

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 travelers every year.

The right travel insurance policy can reduce the impact that injuries, illnesses, delays and lost property have on your precious holiday time. Finding the right travel insurance policy, unfortunately, is not as easy as ticking off the box next to "Do you want travel insurance?" at the travel agent. In fact, that could be the most expensive cover with the least benefits. According to Direct Line insurance, buying your travel insurance through your 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 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 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 travel insurance.

1. Watch the excess.

Excess is the amount that you must pay before your travel insurance kicks in and picks up the remainder of the cost. On the typical 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 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 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 Travel Insurance Policy

Everybody eagerly looks forward to his or her next Holiday, Vacation & Tour. From choosing the destination to selecting the hotels, planning for the next Holiday, Vacation & Tour 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 ...

travel insurance,travel insurance canada,canadian travel insurance,travel insurance policy

Everybody eagerly looks forward to his or her next Holiday, Vacation & Tour. From choosing the destination to selecting the hotels, planning for the next Holiday, Vacation & Tour 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 Holiday, Vacation & Tour.

Just imagine the shock and panic if one member of your family or 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 travel insurance policy. If you are under the protective coverage of travel insurance, you do not have to stress about the unexpected. Once you are armed with travel insurance you can be rest assured of 24-hour emergency assistance services.

Here are some situations where a 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 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 Holiday, Vacation & Tour and now every thing seems to be going to waste, now that your Holiday, Vacation & Tour is spoilt due to a natural calamity or very harsh weather conditions. Though the Holiday, Vacation & Tour is ruined does not mean you have to suffer monetarily too as the 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 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 Holiday, Vacation & Tour, purchase your travel insurance too right away. It will allow you to enjoy your Holiday, Vacation & Tour with peace of mind because you know the insurance company will take care of everything else for you.

 

The Importance Of Travel Insurance For Canadians

When you travel, you are probably concerned about having good insurance coverage, should something ever happen and you need it. While you are probably concentrating more on having fun on your Holiday, Vacation & Tour, making sure you will be well taken care of should an accident or unforeseen event occur is a very important consideration. That is why it is good to purchase travel insurance just for the occasion.

When choosing good coverage there are several factors to consider. You want t...

travel insurance Canada

When you travel, you are probably concerned about having good insurance coverage, should something ever happen and you need it. While you are probably concentrating more on having fun on your Holiday, Vacation & Tour, making sure you will be well taken care of should an accident or unforeseen event occur is a very important consideration. That is why it is good to purchase travel insurance just for the occasion.

When choosing good coverage there are several factors to consider. You want to be sure you are covered in just about any aspect as your normal coverage would provide you at home. Important features are emergency room coverage, accident coverage, and hospital stays.

This becomes especially important if you will be traveling outside Canada. In order to make your policy work, you need to make sure there is a co-operative relationship between the policy holder and the company providing the insurance. Because the medical treatment around the world is so broad and varied, the home-based insurance companies will often provide you with booklets that outline what they will and won't cover. That is why it is very important for you the purchaser to become to become as familiar as you possibly can with the basic guidelines of the policy before an emergency ever occurs. Decision so any reimbursement of expenses are not likely to be the first thing when you are in an urgent situation. Below are a few guidelines for insurance financial coverage should an emergency occur.

BE sure to obtain authorization. As soon as possible, be sure to call the number for the emergency service center provided policy. The role of the service center is to manage your medical care and make the overall claim process faster and more efficient. The center should provide claim administrators, on site doctors, nurses, and other medical officials to arrange to help manage your care and monitor any treatment that may become necessary in an emergency situation. If possible, do not proceed with any treatment before receiving the proper authorization.
I
N order to assist in the claims process more efficiently, you should supply all information and facts you can as accurately as possible. Keep a log of the contacts at both service center and your insurance company. This includes the names of people assisting you, the date of contact, what was discussed during any conversations that took place.

You should also keep a detailed record of all medical transactions and get receipts for all medical care including: tests, treatments, and proscriptions. Receipts are an absolute must when making a claim, and you never know when you may need them. You should also observe the time limits of your policy. Complete the supplied forms and enclose all bills signed by the attending physician, along with receipts and any supporting claim documentation that will prove necessary when filing your claim. Also include all numbers such as those pertaining to your policy, along with your date of birth and any other requested information that will make the process faster and more efficient.




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