3 Questions You Need To Ask About Travel Insurance

Contrary to what you may think, or what some people may insist, everyone needs to travel insured. However, this doesn’t mean you need to buy the most expensive policy with a host of unnecessary bells and whistles.

You definitely need to make sure you travel insured in the sense of these major areas: medical coverage, emergency repatriation, trip cancellation, baggage and other property losses and, of course, accidental death. Answer these three questions and you can be certain you will be buying the policy you need – nothing less and nothing more.

What’s Included In Your Credit Card Benefits?

Many credit cards these days come with free insurance policies that at the very least cover you for accidental death and dismemberment. If your card comes with one of those policies, pay particular attention to whether coverage includes accidents overseas.

If you purchase your plane tickets and/or accommodations with your credit card, chances are that it may come with insurance (or option to purchase insurance at a discount). These can include emergency medical coverage and trip cancellation. What’s more some credit cards insure replacement for high-end purchases, so if you’ve bought luggage, gadgets and other items to take on your trip with your credit card, you can be sure you can travel insured in case of their loss. A caveat though: these kinds of policies will never be comprehensive enough to use as your only form of protection while abroad.

What’s In Your Existing Policies?

Check your existing household or life policies to see if your current plan includes coverage for travelling overseas – there’s a chance that your policy covers some aspects of international trips. For instance, some plans include treatment through a worldwide network of doctors, but don’t usually cover international travel. Citizens of the UK and EEA member countries also have access to what’s called the European Health Insurance Card (EHIC) that is valid in the UK, the European Economic Area, and Switzerland, although they are careful to state that they are not a strict replacement for travel insurance. It doesn’t include emergency rescue, repatriation or private medical costs, so you will need to supplement it.

Your car and homeowners insurance plans can also offer some help against losses through theft or car accidents, so you may also want to check what’s included in your policies.

What Activities Are You Planning?

Even when you think you’re fully covered, you may be not be protected against the cost of injuries if you’ve acquired them in the course of extreme sports or other risky activities. As well, some medical policies are void if you are known to have been drinking. If you plan on doing any extreme activities or sports, purchase an upgrade or additional coverage.

If you want to be sure you are going to travel insured against every eventuality, it helps to take stock of what you already have to ensure you don’t duplicate. Make sure you review your existing cover and consider your plans to avoid unnecessary expense.

General Advice That Everyone Needs To Know About Traveling

Whether you are a novice or seasoned traveler, there are undoubtedly many decisions that you have to make in planning your vacation. However, with the proper advice and knowledge, it becomes much simpler to make your travel arrangements. This article provides useful tips and suggestions that can help you plan your travels.

You must plan ahead if you are going to fly. Major airports are in big cities much of the time, so getting through traffic and to your gate on time can be a challenge. Have your bags packed well in advance. Before your travel day, make sure all of your preparations are taken care of. One of the worst ways to start a trip is to miss your flight.

When flying on a plane, you should plan ahead because an airline won’t always be able to meet your basic needs, even when the flight lasts for many hours. A flight is often more comfortable when you bring along comfort items; such as a blanket, a pillow or your own set of headphones. You should also think about bringing some snacks with you.

If traveling with children, keep a recent, color picture of them with you at all times, just case they become lost. The idea of losing your child likely scares you, but not being prepared is worse. It can happen to even the most diligent parents. Easy access to a photograph of the child can facilitate any necessary search efforts in they get lost.

Even if you are taking a long flight, bring your own comfort supplies and don’t rely on airline personnel to provide them. If you think they will come in handy, pack a travel pillow, a light blanket and comfortable headphones. You may also want to pack along a few snacks so you can have something substantial to eat during your flight.

Travel can be a great way to educate your family members. Traveling is a great way to educate your family about other cultures around the world, as long as you take the correct safety precautions. The best way to foster tolerance for other cultures in your children is to spend time in other countries with them.

Taking a sleeping pill can make a red-eye flight much easier. For many people, sleeping on a plane is almost impossible, between the uncomfortable seats and the noise level. Take a sleep aid to help yourself get through a long flight much simpler. Never take sleeping pills before your plane is up in the air, there may be a delay or some other unforeseen problem.

Just keep in mind you will probably pay more and it doesn’t really save that much space. Try folding your clothes in innovative ways that will take up less space. This can free up some space for other things you will need.

When you want to maximize travel enjoyment, never forget about the weather. Check the forecast for your destination. Having a weather-sensitive vacation like a beach or ski trip ruined because of a random weather event would be a miserable experience.

Before you settle on a destination, be sure to consider the influence that the weather can have on your trip. Research the weather forecast at your vacation spot. Weather can ruin even the most thought out plans, and you may even put yourself in a dangerous position if you are not paying close attention to it.

Traveling is quite a popular pastime that most people will participate in at some point in their lives. Information about travel can help you to enjoy the situation in a more relaxed manner. The tips presented in this article are going to come in handy sometime down the road.

Everything That You Need to Know About Travel Insurance for Pensioners

Pensioners love to travel, but sometimes they are hindered by concerns about travel insurance. Fortunately, travel insurance companies have introduced insurance for pensioners that offer insurance cover for pensioners who are traveling.

With this insurance for pensioners, they can rest easy that any unexpected situations they encountered during their travel will be covered by the company. There are also several types of insurance cover offered for pensioners, such as single trip, multi-trip, medical insurance and trip cancellation or interruption.

For pensioners who travel frequently, the multi-trip travel insurance is ideal for them because it will save them money while those who don’t should obtain the single trip coverage.

All pensioners who will be traveling should need a foolproof medical insurance because it is very important to these groups of people. Other types of insurance cover for pensioners include trip cancellation or interruption insurance; baggage loss and delay coverage, flight delay or cancellation insurance and travel document protection.

Trip cancellation or interruption insurance offers coverage if the traveler has to cancel or interrupt his/her trip. Specifically, it will offer coverage for injury, illness or death that is suffered by the insured or any member of his/her immediate family. Baggage loss and delay coverage will protect the traveler if his/her personal belongings are either lost, stolen or delayed. This even offers cash payment if the bags are delayed for more than 12 hours.

Meanwhile, flight delay or travel delay will pay for your accommodations, meals and new travel arrangements if your flight is delayed or cancelled.

Travel document protection offers coverage if your passport or travel documents are lost or stolen for some reason.

With the information offered here, I’m sure pensioners will be able to choose the right cover for their travel insurance for pensioners. Also, pensioners should not worry about the cost because you can obtain affordable insurance policies.

Everything You Need to Know About Travel Insurance on Your Credit Cards

A GUIDE TO TRAVEL INSURANCE

Whether you’re planning to take your family to meet Cinderella at Disney World, or do so some serious mountain biking with your buddies in the Sierra Madre Mountains, flight cancellations or hospital visits are never on the itinerary. Travel insurance can deliver piece of mind both while enjoying your trip, and if you’re in a seemingly desperate situation. Not all trips are alike, but they may share some familiar headaches:

  • Pre-destination: travel cancellation (e.g. flight, hotel, tours, etc.) due to unforeseen circumstances
  • Travel Transportation: missed, canceled or delayed flights; lost, stolen, or delayed baggage; accidents while on common carriers (e.g. planes, trains, busses, boats); rental car damages and disablement (e.g. towing, delivery of gas, etc.)
  • Non-medical Issues Abroad: all types of liability (i.e. you damaged something or injured someone); legal costs; hotel burglary; robbery; stolen documents; travel interruption due to unexpected, urgent, or emergency situations
  • Medical Issues Abroad: general medical emergencies; sports and leisure injuries; visit to a local doctor; getting prescription medicines; medical transportation or evacuation; dental problems; insect bites etc

Without even knowing it, you may already have some travel protection. This can come from a variety of places. It’s important to read and understand your policies before you travel to make sure you know the extent of your coverage. Print out the details, and take a copy of it with you in your carry-on.

CREDIT CARDS

Not all credit cards offer the same bundle of protection features, but in general there are some similarities between them:

  • No-Fee Credit Cards ($0 per year): Normally you won’t find any travel insurance with these basic cards
  • Mid-Range Credit Cards ($1-99 per year): May offer some elements of travel insurance such as flight delays, baggage loss or delay, common carrier accidents, or trip interruption. Sometimes includes basic medical insurance. Certain cards may include car rental insurance (Collision Damage Waiver). None cover travel cancellation or hotel burglary
  • Hi-End Credit Cards ($99+): Typically include trip interruption, flight delays, baggage loss or delay, common carrier accidents, travel medical protection, and rental car protection. May offer trip cancellation and hotel burglary

As much as we love to generalize, there is no escaping the fine print. There are certain conditions that apply, especially for medical insurance (e.g. amount covered, length of trip covered, age of traveler, coverage of spouse and children, and exceptions). Some cards include exceptions for rental car insurance in the case of vehicles over a value of $65,000.

CAA (AUTOMOBILE MEMBERSHIP)

The obvious benefit of being a CAA member is the automobile services they offer if traveling by car. In case you purchased your travel tickets through CAA, you automatically receive Travel Trip Insurance ($100,000 maximum for basic CAA members and $500,000 for CAA Plus and Plus RV Coverage members).

There is always the option of purchasing additional insurance outside of your membership fees, which will provide you with an extensive travel protection plan.

VARIOUS MEMBERSHIP CARDS

Look in any direction, and you’re certain to find some kind of club that wants you as a member, be it an airline or a hotel chain. These memberships may come with extra perks like travel insurance. The Hilton Honors program offered by Hilton Hotels for example, provides a Collision Damage Waiver when you rent a car through their partner, Sixt. Or maybe you are already a member?

UMBRELLA PROTECTION

Ever think that an insurance policy could have you covered if you break a whole stand of Swarovski crystals? Think of umbrella insurance as additional liability protection on top of your other insurances. It may protect you against many types of accidents while on vacation such as bodily injury to others as a result of a car or skiing accident, or paying legal expenses for a court abroad. Check to see if you have such coverage, and the extent to which you are protected.

PROVINCIAL GOVERNMENT HEALTH INSURANCE

As a proud Canadian citizen, you can count on the government to bail you out in an emergency if you’re traveling through Siberia, right? Not so fast. Medical treatment abroad can get very expensive, costing several thousands of dollars. Although your provincial health plan may have you covered when you fall off a ladder in your backyard, it is very limited as soon as you cross the border. Take Ontario and Quebec as examples:

  • Ontario Health Insurance Plan pays up to $200 per day for inpatient general services and up to $400 for such inpatient services as operating room or intensive care
  • Regie de l’assurance maladie in Quebec pays up to $100 per day for hospitalization

These amounts clearly are not going to pay thousands of dollars per day that you may be charged in U.S. for staying in a hospital

A SAFE BET

When it comes to visiting the hospital while abroad, make sure stress and regret isn’t what you’ll ultimately be treated for. Without coverage from credit cards and limited protection from the government, you’ll most likely require additional medical protection for you and your family. If you’re anything like us, you’ll probably be doing some rock climbing, downhill skiing, scuba diving or hot air ballooning while on your adventure, which are not necessarily covered. Make sure that your medical coverage does not exclude the activity you plan to be enjoying, whether you’re a professional or just do it for recreation.

For some extra peace of mind, review what you are protected against by your current sources. If there is an important type of coverage that you do not have, strongly consider purchasing a more extensive plan for the duration of the trip. In an unfortunate situation, you’ll know you can keep calm and carry on. Travel insurance is provided today by many insurance companies (e.g. Manulife, Co-operators) and multiple banks in Canada (e.g. TD, RBC), just check their web pages.

OTHER THINGS TO CONSIDER

  • Review your home policy, as some insurance providers require arranged supervision (e.g. checking every 7 days) while you’re away to cover any damages that occurred in your absence (e.g. breakage of plumbing due to freezing)
  • Read, understand, photocopy, and carry your insurance policies in your carry-on luggage. Some countries explicitly demand that you demonstrate insurance protection while entering the country
  • Some providers may refuse coverage if you are going to “unstable” parts of the world. The list varies from one provider to the next, and changes with time, so explicitly ask if you’re destinations are covered. Some providers use a list from the Foreign Affairs and International Trade Canada
  • Get vaccinated if necessary and talk to your doctor. You will need to start dealing with vaccination 4-8 weeks before departure. To see which vaccinations you may require, check out the web site from the World Health Organization