<\/span><\/h2>\nThis insurance company also offers several basic travel insurance plans to set your mind at ease.<\/p>\n
The Travel Basic Plan offers essential coverage, including trip cancellation and interruption benefits, coverage when a travel supplier becomes insolvent (side excursions are included), and coverage when you miss your cruise connections.<\/p>\n
Emergency medical evacuation is also part of the policy.<\/p>\n
They also accept a very long list of reasons for trip cancellation.<\/p>\n
This plan should suffice for short domestic vacations, and it\u2019s quite affordable.<\/p>\n
You can receive reimbursement for eligible losses with no deductibles.<\/p>\n
The Travel Select plan is the company\u2019s most popular option.<\/p>\n
Aside from the features included in the Travel Basic option, your kids under 21 year of age who come with you are also covered without additional cost.<\/p>\n
There\u2019s a 21-day pre-existing condition exclusion waiver available, and the transportation upgrade comes with rental car insurance policy.<\/p>\n
You also get a 24-hour AD&D (accidental death and dismemberment) benefit.<\/p>\n
Other upgrades include options for families that allow coverage for accidental death and dismemberment, medical protection for traveling pets, or even movie rental reimbursement for overnight delays.<\/p>\n
For adventurers, there\u2019s an upgrade that covers daring activities such as mountain climbing and parasailing.<\/p>\n
The professional upgrade adds more reasons for reimbursement due to work related cancellation or interruption, and protection for professional equipment is available.<\/p>\n
The Travel Max plan is the most extensive.<\/p>\n
You can cancel for business reasons, and there\u2019s an upgrade that allows you to cancel for any reason up to two days before your scheduled departure.<\/p>\n
This upgrade only applies to trip costs of $10,000 maximum, and you can get reimbursed for up to 75% of the trip cost.<\/p>\n
It offers a substantial amount of coverage for emergency medical expenses and medical evacuation, and you also get lots of travel assistance and concierge services.<\/p>\n
You may even get coverage for any delays in the sporting equipment you rent.<\/p>\n
Other plans from Travelex Insurance are for business travelers with a 30-day maximum trip length per covered trip, and a flight insurance policy that focuses on the flights.<\/p>\n
<\/span>Vayama International Travel<\/span><\/h2>\nThis company is more known as a travel company.<\/p>\n
It aims to be a one-stop shop for travel needs, which is why they\u2019re extending their services to travel insurance.<\/p>\n
They offer the usual terms for travel insurance, but the most notable benefit is the convenience of getting everything you need for your travel with just one company.<\/p>\n
You can book your flights, make your hotel reservations, and get your insurance, and Vayama can handle it all.<\/p>\n
With the Vayama International Travel\u2019s extensive contacts in the travel industry, you can get a lot of info from their 24-hour travel and legal assistance.<\/p>\n
Travel Insurance<\/p>\n
<\/span>Travel Insured International with World Nomads<\/span><\/h2>\nWorld Nomads insurance company has earned a stellar reputation since it started.<\/p>\n
Their insurance plans are very easy to understand, and the prices are reasonable.<\/p>\n
They have three plans: the Worldwide Trip Protector Lite, Worldwide Trip Protector, and Worldwide Trip Protector Plus.<\/p>\n
The middle plan offers a very long list of reasons for trip cancellation and interruption, including a school year extension, attending childbirth, or a pre-existing medical condition.<\/p>\n
The flight cancellation can return 100% of the trip cost or 150% of the trip cost for trip interruption.<\/p>\n
Emergency medical coverage and evacuation has a $1 million limit, and lost baggage and personal effects have a $1,000 limit.<\/p>\n
Coverage also includes accident and sickness medical expense ($100,000), baggage delay, travel delay, missed connections, changed fees, and reimbursement of Miles or Rewards points. Pre-existing medical conditions are included too.<\/p>\n
Coverage for children is included. With the Plus, you can cancel or interrupt your vacation for any reason, and you can get back 75% of the value of the unused trip cost.<\/p>\n
There\u2019s also a $50,000 coverage limit on rental car damage.<\/p>\n
Perhaps the only troubling aspect here is that there are no explicit discussions on the plans for sport activities, so you need to discuss this factor with a representative before you purchase a plan.<\/p>\n
If you and your family are going skiing, bungee-jumping, or horse-riding, you need to know that any injury is covered beforehand.<\/p>\n
With all these options, you ought to get a good start.<\/p>\n
Learning how to choose travel insurance is about knowing that bad things are always possible, and that\u2019s why you need insurance on the first place. Think of the worst-case scenarios, and make sure you\u2019re covered for any disastrous eventuality.<\/p>\n
We Got Our Colons Cleaned Out
\nThailand Medical Tourism<\/p>\n
<\/span>Understand Travel Insurance for First-Time Traveler<\/span><\/h2>\nTravel Advice – Understand Travel Insurance: An essential part of your backpacking plans should involve getting and understanding travel insurance.<\/p>\n
You\u2019ll need to speak to your insurance provider and investigate your policy thoroughly to verify details of exactly what your policy does and doesn\u2019t cover.<\/p>\n
For worldwide travel insurance Money Supermarket has a database of travel insurers.<\/p>\n
There are some things that a backpacker insurance policy will usually cover as standard, so read on for the lowdown on the essentials:<\/p>\n
Thailand Medical Tourism<\/p>\n
<\/span>Medical Cover<\/span><\/h2>\nMedical cover is probably the most important part of your insurance plan.<\/p>\n
The US government recommends checking whether or not your existing medical insurance policy covers things like medical evacuation; if it doesn\u2019t it is recommended that you take out a supplemental policy to cover yourself.<\/p>\n
Healthcare cover should cover you for between two and three million USD.<\/p>\n
Some policies also include a 24 hour emergency service.<\/p>\n
With this, you\u2019ll be entitled to assistance from a specialized company, helping you with everything from repatriation to on-the-spot advice.<\/p>\n
It is extremely important to be aware that many policies will exclude cover for injuries incurred whilst participating in certain activities, such as jet-skiing or sky diving.<\/p>\n
Your insurance provider will usually be more than happy to include cover for such extreme activities, providing you\u2019re willing to pay a higher premium.<\/p>\n
FREE Quotes from our recommended partners: Allianz Travel Insurance and Travelex Insurance<\/p>\n
<\/span>Possessions Cover<\/span><\/h2>\nPolicies usually include cover for cash and documents (e.g. passport), although there are limits, so check your policy thoroughly and, if there\u2019s anything you don\u2019t understand, ask your insurer.<\/p>\n
With policies usually carrying an upper limit on both the amount claimed per item and the total claim, you\u2019ll need to make sure that if you\u2019re taking any expensive items with you they will definitely be covered.<\/p>\n
Again, you\u2019ll often be able to purchase extra cover for such items.<\/p>\n
Make sure your luggage is covered \u2013 airlines are only obliged to pay back a tiny amount per kilo of lost luggage, which could see you seriously out of pocket if anything were to happen.<\/p>\n
Wherever you are, theft must be reported to the police within 24 hours, proof of which will be requested by your insurance company if they\u2019re going to process any claims.<\/p>\n
<\/span>Personal Accident Cover<\/span><\/h2>\nIn the unlikely event of death or permanent disability incurred whilst on your trip, your insurance company will pay out a fixed sum.<\/p>\n
Some policies will even cover legal expenses incurred when pursuing compensation after such an event.<\/p>\n
<\/span>Personal Liability Cover<\/span><\/h2>\nThis covers costs incurred by you if you injure someone or damage their property and you\u2019re subsequently sued.<\/p>\n
<\/span>Cancellation Cover<\/span><\/h2>\nThis needs to begin on the date you book your holiday, because it covers you for having to cancel your trip, either in part or in full.<\/p>\n
Similarly, some policies will cover you if your flights are moved or completely cancelled and you\u2019re forced to forego some or all of your trip.<\/p>\n
<\/span>Things To Remember:<\/span><\/h2>\nDeclare any existing health conditions or anything else you think might affect a potential claim.<\/p>\n
Any failure to do so could see your insurance policy completely invalidated, which means you\u2019ll be covered for absolutely nothing.<\/p>\n
Be fully aware that your insurance policy probably won\u2019t cover you for any alcohol or drug-related injuries or accidents.<\/p>\n
Always purchase cover from a reputable insurer that will pay out for valid claims quickly and in full.<\/p>\n
You may have some degree of travel insurance from things like credit cards or private healthcare insurance, but these rarely provide comprehensive worldwide cover so always check the fine print.<\/p>\n
Remember also to keep a copy of your insurance policy and emergency contact numbers on your person at all times while travelling \u2013 you never know when you might need it.<\/p>\n
The holiday has been planned, flights booked, accommodation booked, car hire booked.<\/p>\n
Everything has been paid for.<\/p>\n
The suitcase is packed, the passport’s in hand and the spending money is bulging out of your purse, ready to be turned into a wonderful keepsake from a far off destination.<\/p>\n
Then things go pear shaped.<\/p>\n
You miss you connecting flight, or you suit case is lost or worse stolen.<\/p>\n
You left your purse in the restroom and by the time you get back, it\u2019s gone and just as you think it can’t get any worse, you trip on your shoes and twist your ankle.<\/p>\n
Where do you go from here? You call your trusty travel insurer.<\/p>\n
<\/span>Insurance is a Must<\/span><\/h2>\nPeople spend such a long time saving up for that dream holiday, that when it comes time to pay, the travel insurance for some reason gets overlooked and yet it is probably the cheapest and the most essential part of your entire trip.<\/p>\n
The airfares, the accommodation and the spending money always seem to take the lead, because without the airfare you won’t get there, without the accommodation you’ll have nowhere to sleep and without the spending money you have nothing to eat.<\/p>\n
But guess what?<\/p>\n
Without the insurance you’ll have nothing to fall back on if things don’t turn out as planned.<\/p>\n
A small initial outlay before your trip could potentially end up saving you thousands of dollars should you run into trouble whilst on your trip.<\/p>\n
<\/span>Peace of Mind<\/span><\/h2>\nPaying that little extra towards your chosen travel insurance, offers you the peace of mind to help you really be able to relax and enjoy your holiday.<\/p>\n
The policy that you choose will offer different levels of cover, but the important thing is that you’ll be covered.<\/p>\n
Overseas medical and dental, cancellation costs, money, hijacking, travel delays and car rental insurance excess are just a few of the things that will be covered in order to give you peace of mind.<\/p>\n
Whether you are going interstate or international, once you have chosen the correct insurance that is suitable for your journey, all you’ll need to worry about is making sure you enjoy yourself.<\/p>\n
Don’t plan the perfect holiday only to have it ruined by something unexpected.<\/p>\n
Put your mind at rest knowing that you’re in safe hands and book your holiday insurance today.<\/p>\n
The best thing that could happen is that you don’t need to use it, but don’t let the possibility become a reality.<\/p>\n
<\/span>Travel Insurance – What You Need To Know<\/span><\/h2>\nCanada is one of the most beautiful countries in the world and traveling to The Great White North is one of the more memorable experiences you can have.<\/p>\n
This article tells you what kind of travel insurance and why you need it so you can enjoy your Canadian trip safely and with peace of mind.<\/p>\n
If you have been consistently traveling, you know it\u2019s important to have travel insurance, a practical and necessary way to ensure that you are prepared in any case of eventualities.<\/p>\n
From flight changes to family surgery, injury, illness or death in the family, travel insurance is mandatory for a majority of working holidays and Canadian border authority may be inclined to check if you have sufficient cover.<\/p>\n
You may want to ski or snowboard in the Canadian provinces of Alberta and British Columbia, for instance, which will require you coverage for any possible injuries which may occur while engaged in those activities.<\/p>\n
Travel insurance for Canada means a plethora of rates, providers, options, add-ons, and other variables that you should know about to make an informed decision.<\/p>\n
<\/span>Do You Need Travel Insurance When Traveling to Canada from the US or Europe?<\/span><\/h2>\nTake note that insurance is compulsory requirement prior to the issuance of an International Experience Canada (IEC) visa.<\/p>\n
You will be asked to provide insurance details if you arrive in Canada and should you not be able to comply, you may not be issued the visa.<\/p>\n
Insurance coverage must be valid for your stay\u2019s duration, cover not only hospitalization and medical care but repatriation as well.<\/p>\n
Additionally, each entry into Canada must be covered and its details made available for any port of entry officer for his or her review.<\/p>\n
<\/span>Choose a Local Insurer<\/span><\/h2>\nChoosing a local insurer has numerous benefits such as having comprehensive coverage to include routine medical check-up and\/or exam and maternity benefits.<\/p>\n
It is also less difficult when you make claims \u2013 and receiving money \u2013 with a local insurer.<\/p>\n
<\/span>You DON\u2019T Save Money without Travel Insurance<\/span><\/h2>\nYou don\u2019t need to buy additional coverage for sports and any type of injuries sustained at work.<\/p>\n
Getting your local insurer also means you get direct billing and avoid dealing with an overseas insurance company which could be costly in terms of phone bills.<\/p>\n
The Canadian Health Care System doesn\u2019t cover holders of IEC visas, that is why travel\/medical insurance is recommended for them.<\/p>\n
If you think that not getting travel insurance when traveling to Canada will save you money, it won\u2019t.<\/p>\n
First, you will be denied entry into the country.<\/p>\n
Second, without travel insurance, you are vulnerable to all kinds of risks, not the least of which is an emergency of a medical nature.<\/p>\n
Medical costs can run up to several thousands in Canada for simple tests or doctor\u2019s visits.<\/p>\n
<\/span>What You Need to Know for Coverage Extensions<\/span><\/h2>\nYour Port of Entry or POE Letter of Introduction entitles you to obtain your work permit when you arrive in Canada and only then will you know how long you can stay.<\/p>\n
The length of your stay is dependent on your nationality; it could be a year or two years.<\/p>\n
It is essential for you to have coverage for your visa\u2019s full duration because any immigration officer may:<\/p>\n
Ask you to show proof of your insurance cover policy and question you regarding its details.<\/p>\n
Limit the duration of the work permit you were issued to match your policy\u2019s duration if this is validated for a shorter period of time.<\/p>\n
Although some insurers will allow a policy extension, there will be some that won\u2019t.<\/p>\n
In case your chosen insurer allows an extension, however, you still need to exit from Canada on a temporary basis as a requirement for that extension.<\/p>\n
If you plan on staying longer in Canada, ensure that you and your chosen insurer both have a clear understanding of what an extension will entail.<\/p>\n
<\/span>Insurance Coverage for Winter Sports<\/span><\/h2>\nMost of the standard policies exclude coverage of winter sports like snowboarding or skiing but you have the option to add such coverage.<\/p>\n
Ensure that you are well informed on the extent of the coverage for the winter sports you engage in while you are in the country since these have a potential for injuries and surgery, especially for beginners.<\/p>\n
Your travel insurance policy should have medical coverage as part of it or as an add-on. Be aware of whether or not it covers pre-existing medical conditions and non-emergency conditions.<\/p>\n
You also have to know the up font costs of what your insurer will pay and the costs which you have to pay for in order to obtain reimbursement and how long it will take to get reimbursed.<\/p>\n
Travel Insurance<\/p>\n
One thing we all have to buy before leaving on our long-term travels is travel insurance – traveling the world without an insurance is really not worth it in case something serious happens.<\/p>\n
But the travel insurance industry is like a jungle, it’s really difficult to know which one to choose and what they normally should cover.<\/p>\n
When comparing different travel insurance companies you will see that they often look very similar on the outside but actually differ quite a lot when it comes down to the details.<\/p>\n
If you\u2019re not sure exactly how long you will be away, make sure that the travel insurance company allows you to update and extend your travel insurance, it\u2019s also a great bonus if they can pay you back the difference in case you go home early.<\/p>\n
When comparing travel insurance companies, make sure that they cover:<\/p>\n
<\/span>Lost, Stolen and Damaged Items<\/span><\/h2>\nLost passport and travel documents, as well as your belongings like jewelry, clothes and electronics should be covered.<\/p>\n
However, there are many circumstances when the travel insurance won\u2019t cover you.<\/p>\n
To sum it up, they will cover your belongings if it was stolen from you despite being locked up in safety box or concealed storage compartment, or if it\u2019s stolen from you while you\u2019re carrying it.<\/p>\n
<\/span>What it doesn’t cover…<\/span><\/h2>\nIt won\u2019t cover you if you left your baggage unsupervised in public areas, for example not caring for the safety of your belongings.<\/p>\n
<\/span>Overseas Medical\/Dental Expenses<\/span><\/h2>\nIf you get ill or injured during your trip that can cause serious harm if it\u2019s not treated, the insurance should provide cover for urgent and necessary medical treatment and emergency dental treatment or hospitalization.<\/p>\n
<\/span>What it doesn’t Travel Insurance cover…<\/span><\/h2>\nI won’t have to say that it won’t cover plastic surgery and similar things, but also know that it doesn’t cover medical check-ups, vaccinations, STD\u2019s, treatment where injury was caused by alcohol and drugs (remember that one!), chronic and reoccurring illness and pre-existing medical conditions that were there before you started traveling.<\/p>\n
Compare this carefully between different travel insurances, especially if you have planned to do a bit of adventure sports.<\/p>\n
Many insurance companies have different types of insurance deals depending on what you need and how you will travel, whether you will be going on a two week ski holiday in Europe or backpack through South America.<\/p>\n
<\/span>Canceled Flights and Accommodation<\/span><\/h2>\nIf your trip is interrupted or if you get ill before your trip and have to cancel flights and pre-booked accommodation due to illness or a close relative\u2019s illness or death, you should be covered.<\/p>\n
The insurance should also cover the flight home if there is a case of emergency and you have to interrupt your trip.<\/p>\n
If your transport has been canceled due to bad weather, illness or failure in service from the transportation provider, your travel insurance should cover the cost.<\/p>\n
<\/span>Good to know…<\/span><\/h2>\nIf your flight is canceled, overbooked or delayed for more than 6 hours many insurance companies will cover reasonable expenses for hotel, meals and local transportation.<\/p>\n
<\/span>Things Travel Insurance Should Cover<\/span><\/h2>\n24 hour emergency phone assistance, Personal liability coverage in the case of damaged 3rd party property or injury and all countries you will be visiting and the entire duration of your trip (including the day you return home).<\/p>\n
Now that you have a check-list on what should be included in your travel insurance, compare different companies with each other and see if they all cover the things above and if some even have extra benefits.<\/p>\n
<\/span> What You Need To Know About Travel Insurance<\/span><\/h2>\nAfter all the RTW planning you do for what to pack and where to go, there are those extra expenses left that many people forget to include into their travel budget: travel insurance is one of them.<\/p>\n
It’s also one of the things that can be either super expensive, or barely noticeable in the overall budget – but don’t let the price completely decide which company you choose \u2013 it’s about the coverage you get for your money.<\/p>\n
So when looking for travel insurance, also look into the details to find out what they actually cover.<\/p>\n
If something happens to you while you are traveling around the world, you need to be covered!<\/p>\n
Before looking for other companies to provide international travel insurance, check with your home and content insurance to see if they can offer you a cheap deal as an added bonus to your existing home insurance.<\/p>\n
<\/span>Travel checklist for the basic things Travel Insurance should cover<\/span><\/h2>\nThe countries you’re visiting: This is very important.<\/p>\n
You don’t want to have bought travel insurance for Europe, break a leg in Switzerland and realize that it didn’t cover that country.<\/p>\n
Lost, stolen or damaged items, including electronics:<\/p>\n
But make sure you save the receipts for them, otherwise you will not get the money back!<\/p>\n
Overseas medical\/hospital expenses: Read the fine print here, because it’s often limited and there are many exceptions<\/p>\n
Expenses for transport home in case of personal emergency<\/p>\n
Reimbursements for re-booking cancelled flights and accommodation<\/p>\n
24-hours emergency phone assistance (you want to be able to contact them at all times)<\/p>\n
Personal liability cover in case of damaged 3rd<\/sup> party property or injury<\/p>\nThe entire duration of your trip<\/p>\n
If the insurance company covers all this for a reasonable amount, you should be able to save some money while at the same time stay safe on your journey if something happens. But this isn’t like FDCI.<\/p>\n
For the experienced travelers out there, Is travel insurance something you always make sure you get for your travels?<\/p>\n