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Travel Insurance Tips

Date Added: July 06, 2011 05:53:19 PM
Category: Travel insurance

Travel Insurance Tips

Travel insurance provides protection against such events as theft, loss, delays, medical needs and lastly cancellations when travelling on business or a holiday abroad. The protection provided id for travelling to a off shore destination and travel insurance is normally optional.

Travel insurance is necessary in order to provide protection in the case of loss of luggage as well.

There are many types of medical insurance but the main ones are:
•    Single trip cover, a single annual trip less the 90 days.
•    Multiple trip cover, more than one annual trip less than 90 days per trip.

If you intend to travel to Europe, you will need to obtain a free European health insurance card (EHIC) and some European countries may make a charge. The card can be used at any of the European hospitals.

There is also travel insurance available for back packers with no time restrictions but the destinations being travelled must be informed to the insurance company.

Discounts may be available for those travelling in a group or a family and this discount varies from insurance company to insurance company.

Those going on sport holidays such as golfing or skiing or diving will have to pay a higher premium due to the cost of the equipment being insured and medical emergencies being a higher risk.

Travel insurance can be quite complex and a general understanding of the terms is worthwhile:
•    Legal expenses cover will enable you to engage the advice of a solicitor through the travel insurance company
•    Loss of documents such as passports will require a visit to a British Embassy
•    Luggage being carried out should be suitable for the holiday and more expensive items being carried may require additional premiums
•    Remember cancellation cover will involve cancelling your travel arrangements for reasons beyond your control such as death, jury service, etc.
•    The amount of cash you carry will need to be in keeping with travel insurance policy restrictions
•    Third party cover is essential just in case there is a claim for damages suffered by another person

Additionally ask your travel insurance company whether your will be covered for travel delays, missed departures, delays to receiving your luggage, terrorist problems, hijacks and alcohol abuse and taking of non-recommended drugs.

The medical cover in a travel insurance policy is very important and the cover provided should be comprehensive. Make sure that the list of cover provided covers what may go wrong on your ideal holiday or business travel abroad.

The premium for travel insurance will be determined by the following factors:
•    Any existing medical conditions of the travelling team
•    Any no claims bonus
•    Excess you are willing to pay lower the premium
•    Travel destination
•    Travel distance, start and finish dates
•    Travel sports being undertaken
•    Value of any special equipment or items
•    Your age or the age of those travelling in your group or team

Once you receive your insurance policy back from the travel insurance company make sure that it covers your, family, group or business comprehensively.  If there are changes to be made, telephone the insurance provider and make the changes before your travel.

When travelling take your insurance documents with you and make a note of any emergency telephone numbers. These telephone numbers should be entered in the mobile phone of each family member, especially the claims hot line international number.

Some hospitals abroad will require a payment before any treatment takes place, the travel insurance company should be contacted immediately for advice. Don’t sign any documents abroad until you have contacted the travel insurance provider.

If the doctor’s opinion is not to wait for the money to arrive, but is a life and death matter, it will be the opinion of the doctor which counts.

It must be remembered that travel insurance is not compulsory and is optional. If you or your travel team are travelling to unexpected location or have not travelled abroad before, it is well worth considering travel insurance.

Travel insurance can be obtained from:
•    Banks
•    Building societies
•    Insurance brokers
•    Supermarkets
•    The post office
•    Your travel agent

The address and location of the travel insurance providers can be located on the internet or the telephone directions.

It is important to read the insurance policies for travel insurance as all policies are not the same.

Always make multiple copies of the travel documents, scan the documents and email them to yourself for later retrieval or leave them at a friends house. Keep the international telephone numbers safe and any policy numbers for quick reference, ensure you have the following information at all time:
•    Fill forms in accurately
•    How payment will be made and its time limit
•    Insurance claims process
•    Keep all receipts and signed paperwork
•    Only sign document with the permission of the insurance company
•    Stolen items should be reported to the hotel, the police and a police reference number should be taken or a copy of the police report should be made available.


Are you covered? travel insurance and its regulation: fourth report of session 2006-07, Vol. 2: Oral and written evidence (House of Commons papers) by Great Britain: Parliament: House of Commons: Treasury Committee and John McFall (Paperback - 25 Feb 2007)

Fodor's 1001 Smart Travel Tips, 3rd Edition by Fodor Travel Publications (Paperback - 16 Jun 2011)

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