Categorized | , ,

Travel Insurance – Bringing You Home

Travel Insurance – Bringing You Home. Overseas travel is one thing that people all over the world aspire to. Whether cruising around the Greek Islands on a luxury yacht, sipping brandy by the fire in a Swiss chalet after a day of skiing; or elephant spotting in Kenya, an overseas trip can be the adventure of a lifetime. Unfortunately, though, it can also be the disaster of a lifetime unless due diligence is carried out prior to setting off.

Along with passports and plane tickets, one of the most important things to remember before traveling overseas is to arrange Travel Insurance. Not just any “cheapest-you-can-find” travel insurance, but a policy that will take good care of you should the unforeseen occur.

Types of travel insurance vary from company to company and it is well worth your while to spend some considerable time shopping around before committing to one policy. Remember, what is considered an acceptable risk by one insurer, may be excluded by another. Definitions of terms may also vary.

Take terrorism, for example. Most insurance policies will exclude acts of terrorism from being claimable events, however, the definition of what constitutes a terrorist act can vary between insurers. What one insurer may deem as an act of violence and therefore claimable, another insurer may deem terrorism and deny any claim.

In this age of terrorism threats and war-torn nations, travelers should always heed governmental advice as to whether or not travel to certain regions is recommended. If deciding to travel to a country despite government warnings, it may be difficult to obtain travel insurance at all. If it is obtained, it will probably be very expensive and its cover fairly limited.

It is crucial that you understand exactly what is and isn’t excluded from the policy before you sign on the dotted line. Indeed, being aware of the exclusions is, arguably, even more important than knowing what is covered. Get clear in your mind the insurer’s definition of claimable and non-claimable events. If at all possible, endeavor to get those definitions in writing.

Get the language right. Ask as many questions as it takes to know exactly where you stand. Remember, the only dumb questions are ones that haven’t been asked yet and given a voice. If going through a broker or agent, double check with the insurer if uncertain of their answers. It’s wise to remember too, that no insurance policy is going to cover you for every single thing that could possibly happen on your holiday. The prudent traveler will ensure, however, that what he or she needs to be covered for will be.

For example, does the policy allow you to participate in “adventure activities”? If you’re going bungee jumping in New Zealand or white-water rafting in Canada, make sure your insurer knows about it and will cover you for accidents occurring during such activities.

Is your luggage excluded if left unattended? What does “left unattended” mean? What if you leave it in a taxi? What if you walk two meters from it to buy a chocolate bar from a vending machine?

It’s a good idea to also familiarize yourself with claims procedures before departing so as to avoid the “paper frenzy” in the event of an accident. Some policies have a time limit for reporting claims. In some cases, the incident must be reported to local authorities within twenty-four hours in order to claim.

Be aware too that some countries may not recognize all insurance companies. This could pose a problem if hospitalization is required. If the insurer isn’t recognized in that country you may not get hospital treatment. Make sure that the insurer has a global reputation.

It’s very expensive to be injured overseas. For instance, medical evacuation from the United States to Australia can cost anything from $80,000.00 upwards. If a stay in hospital is required, the bill could run into hundreds of thousands of dollars. And you thought shopping in Beverly Hills would be fun….

It’s also dangerous to be injured overseas, particularly in countries where medical facilities may not be as well equipped as at home. Again, the evacuation costs can run into many thousands of dollars - and no insurance means a lifetime of debt.

Traveling without the right travel insurance is like walking a tightrope without a net. Sure, it can be done, but one tiny slip and it’s too late for “If only”s. And chances are, it will be your loved ones at home who will mortgage their houses, cash in their superannuation and face considerable financial hardship in order to bring you back to the fold.

All in all, travel insurance is one thing you should definitely not leave home without!

8 Responses to “Travel Insurance – Bringing You Home”

Annual Worldwide Travel Insurance said...
January 23, 2011 at 7:56 PM


Travel is one thing that people all over the world aspire to. One of the most important things to remember before traveling overseas is to arrange Travel Insurance. All in all, travel insurance is one thing you should definitely not leave home without! This really doesn't seem like a good idea to me at all. Thank you for sharing!

Anonymous said...

January 27, 2011 at 4:59 PM


commercial general liability insurance said...
January 29, 2011 at 12:45 AM

Buying Travel insurance need analysis of various available options its not that choose the cheap one but people should choose the most beneficial policy that will help in accidental situations

Marlon said...
March 2, 2011 at 7:53 PM

"Traveling without the right travel insurance is like walking a tightrope without a net." - This is also the main reason why many people seek for cheap travel insurance according to their needs and just to make sure that there is an insurance policy that they can rely on if anything bad happens.

Blogger said...
September 2, 2017 at 12:47 PM

If you need your ex-girlfriend or ex-boyfriend to come crawling back to you on their knees (no matter why you broke up) you must watch this video
right away...

(VIDEO) Win your ex back with TEXT messages?

Blogger said...
September 19, 2017 at 3:52 AM

Booking Buddy is the biggest travel booking search website, where you can compare travel deals from all top travel booking agencies.

Blogger said...
October 13, 2017 at 7:39 PM

Quantum Binary Signals

Get professional trading signals sent to your cell phone every day.

Follow our signals NOW & gain up to 270% a day.

Blogger said...
October 14, 2017 at 12:31 PM

DOWNLOAD $12,234 within 2 months CASINO Software?

Let me say it right.

I don't care about sports. Never cared less.

I tried EVERYTHING from FOREX & stocks to internet systems and affiliate programs.. I even made some money but then lost it all away when the stock market went south.

I think I finally found it. Check It Out TODAY!!!

Post a Comment

Gazette Edition


Acer Predator Alfamart Alfamart Minimarket Amazing Spider-Man American Idol Android Angry Birds Anti Spam Apple Apple iCloud Apple iPhone Atlantis Bahama Reviews Audio Forensics Bali Tour Berita Ciamis Beyonce Blackberry Blogger Blogger Templates Boy Toys Call of Duty Camera Career Celebrity News Chi Magazine Christmas Christmas Eve Christmas Gift Ciamis Computer Data Recovery Dating Desktop Computer Direct Download Drupal Templates Earthquake Elevenia end of the world end of the world 2011 end of the world may 21 Facebook Forbes Formula 1 Fortuner SUV Terbaik Friendster Gadget Gaming Gifts Google Gossip Green Lantern Hack Halloween Hangover 2 Hangover 2 Trailer Hangover Symptoms harold camping Healthy Life Home Remedies Honeymoon Hot News How to Play Guitar HTC Trophy iCloud Info Insurance Internet iPad iPad 2 iPhone iPhone 4S iPod Jasa Pembuatan Toko Online Jasa Pembuatan Website Jauh Mimpiku Jessica Simpson Jewelry Job Vacancies in Singapore Johnny Depp Judgment Day Justin Bieber Kate Middleton Kate Middleton Bikini Kim Kardashian Kung Fu Panda 2 Lego Leisure LG Revolution VS910 Lifestyle Loans Lowongan Kerja Terbaru Mac OS X Lion Macbook Pro 2011 Marco Simoncelli may 21 2011 Men in Black 3 Mesothelioma Mesothelioma Lawyer Meteor Hits Russia Meteor Russia Minimarket Mobile Stuff Mobilephone Modern Warfare 3 MotoGP Movies Music Nadya Suleman Newport Beach News Notebook Octomom Opera Mini Optimus Prime OS X Lion Personal Loans Pink Eye Pirates of the Caribbean 4 President Obama Quotes Recovery Service Refinancing Review Sega Selena Gomez SEO Tools Smartphones Soccer Software Spider-Man Sports Stuff Swimmers Ear Home Remedy Symbian Tablet Technology The Dark Knight Rises Tips and Tricks Toko Online Tom Hardy Tools Toy For Christmas Trailer Transformers Traveling Twilight Zone Twitter Valentine Weather Web Design Melbourne Web Hosting Weight Loss Will Smith. Josh Brolin Wordpress Templates World News YouTube
Copyright 2011 Today Infolicious Inc. -