Wednesday, May 22, 2013
Travelling without travel insurance is simply a bad idea - you can never tell what might happen. Unfortunately, some of the most enjoyable travel activities are also some of the riskiest. So, you need to be fully aware of what your policy does and does not cover before you set out. You might think you won't indulge in certain things, but opting for the cheapest insurance might mean that the second you get on that moped without thinking, all of a sudden you're uninsured, while also being at increased risk of injury - as well as a hefty repair bill. Examples of Excluded Activities By and large, you'll have a hard time convincing insurance companies to cover you for what they deem a dangerous activity. In some cases, you're able to get cover for 'extreme' activities or sports, such as snowboarding, skiing or surfing, but most will shy away from those they consider too risky for them - the way they see it, there's just too much chance you'll get hurt, and then have the cheek to get them to pay for it! Dangerous activities include, but aren't necessarily limited to: o Rock climbing: It's a long way down, and the floor is often quite hard. o Bungee Jumping: See above. o Water activities including the use of an aerial device: Who's to say that aerial device won't connect with your head at some point? o Scuba diving: Activities which include the use of an artificial breathing device (this doesn't usually mean snorkelling) can be very hard to get cover for. o Racing: Car racing, horse racing, boat racing - if you're going very fast and taking risks at the time of your accident, the insurance company will not be overly impressed. o Hunting: Come on, you're carrying a gun... If you know you're planning on participating in a dangerous activity - heading to Spain for the Basque Country's annual Running of the Bulls would probably count - ASK your insurance company if a certain activity is a 'dangerous' one - their descriptions can be very vague. Don't believe the first agent who tells you that no one will cover you for your planned activity, but be aware it might be costly to get covered for it if you do find someone willing. Ways Around Exclusions Some insurance companies can seem quite sneaky to the purchaser of the policy when it comes to cover. For example, you might think that as your policy says you're covered for skiing, you're all good to jump on that snowboard - you might be wrong, so check. These days, you could always go online or phone up from wherever you are to make certain. Although some insurance will simply baulk at covering you for what they deem dangerous, if your heart is set on an activity, it's not worth canceling all together - you may be able to pay an extra amount on top of a policy to make sure you are covered for an extreme activity. Partner Us Health and Fitness Computers and Technology Adventure Travel Music and Entertainment Leadership Improvement Financial stability Forex Forum News and Social Lifestyle Health Care information Health Insurance Plan car insurance online Personal Care Product Real Estate sites 21st Century Home improvement Contractors House Payday Loan Medical Health Insurance Bad Credit Personal Loans Wedding Ideas Finance Company
Backcountry skiing, such as off-piste and heli-skiing, is a growing sport worldwide. Attractive to those who want a more adventurous holiday than your standard tourist activities, this sport provides an adrenaline filled adventure in some of the most scenic locations in the world. But for those intending to venture into the world of adventure tourism, finding a travel insurance company that provides a suitable policy can be difficult. This article explains a bit about backcountry skiing and explains why you need to have an insurance policy that is tailored specifically to meet your requirements. Backcountry skiing takes you away from the patrolled and groomed slopes of traditional ski resorts and allows you to ski unmarked slopes with natural contours and features. Most extreme skiers engage in backcountry skiing because it is viewed as more challenging than traditional skiing. An increasing number of ski resorts support this form of skiing because the sport hasgrown in popularity. One of the most common types of backcountry skiing is called off-piste. Off-piste refers to skiing that does not stay on groomed trails but sometimes follows alongside a marked trail (piste). In some countries off-piste is the name for all backcountry skiing that takes place on unmarked slopes i.e. off-piste. Particularly popular in places such as Canada, Japan and the United States, this type of skiing includes skiing in unpatrolled areas and sometimes onto avalanche risk slopes. Heli-skiing is for those backcountry skiers who want to travel even further from the beaten path and explore pristine and sometimes untouched areas. Travelling by helicopter, skiers are dropped off in unmarked mountainous areas with natural terrain and long descents on fresh powdery snow. Heli-skiing is the ultimate experience for the adventurous skier, starting in the 1960's this sport is now popular worldwide. While exhilarating, this type of sport is also filled with dangers that on-piste skiers do not usually encounter. Difficult terrain and unmonitored slopes mean accidents are frequent and sometimes even extreme events will occur such as avalanches. Additionally, what many tourists do not realise is that the medical costs in popular ski destinations such as Japan or Canada are among the highest in the world. Therefore it is important that people undertaking this activity are adequately covered by their insurance policy - should the unexpected happen. When you are considering adventure travel, you need to find a specialist travel insurance company that understands your need and has policies to cover your trip. High risk activities such as off-piste skiing are often excluded from standard leisure travel insurance policies. Before committing to purchasing a travel insurance, you need to ask the insurer whether they will cover medical costs associated with off-piste skiing; also whether this would extend to emergency evacuation off the slopes; and whether search and rescue costs would be covered. Many high risk travel policies will cover the medical and evacuation costs, but search and rescue costs are not covered. You should also consider that if you do break a leg or similar while skiing, you would not only be looking for medical cost cover, but it is likely that you may also have to change/upgrade your return ticket home which would incur further expenses.
Travel insurance companies carry a wide and diverse portfolio of travel insurance policies. You name a feature of traveling and there is a company out there that will insure you. Did you know you can even insure a "non-refundable ticket"? There are insurance companies that cover medical costs for backpackers, skiers, divers, and parachutists. There are other companies that will insure baggage, medical insurance, and evacuations from foreign lands. Did you know there is even travel insurance to cover you if the touring company goes bankrupt while you are on your trip? As you can see, if you need protection for your travel, there is a company out there that will cover you. Now you are probably asking yourself, "With all those choices how do I choose a travel insurance company?" This article should help! My first suggestion would be to ask around your sphere of influence. Do you know anybody that has traveled overseas or taken an extreme vacation? How about your boss...family members...friends...pastor? Referrals are the best way to choose any company when you are deciding to give them business. Suggestion number two(2)...call, talk, and ask questions to the following two individuals. If a travel agent helped you make your arrangements, ask them about travel insurance and who they would recommend. The next individual...your family insurance agent. That's right...your family insurance agent. Tell them that you are going on a trip and that you wanted to make sure that your travel and medical needs would all be taken care of while you are gone. They may have just sold you a life insurance policy, but I bet they are concerned about your welfare and even if they don't handle this type of insurance, they'll find somebody for you! If the above two do not produce any results, I'd then try suggestion number three(3)...the Internet. But I would not just type "cheap travel insurance". You'll get a flood of results. Then you'll be saying, "OH NO! How do I pick from this assortment?" I would narrow it down and try typing "travel insurance (then your city name)". For example, I live in Round Rock, Texas. I typed "travel insurance Round Rock" in my search engine and got back results of local companies that handle this type of insurance. In summary, buying travel insurance should give you piece of mind. I believe that by using referrals from your sphere of influence, suggestions from travel agents and/or personal insurance agents, and trying to find a local agency, will give you that piece of mind. Not only will it help you relax more, it will give you a chance to ask the questions you want answered. What questions to ask? That's the subject of another article. Stay tuned.
Tuesday, May 14, 2013
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Monday, May 13, 2013
The bottom line is that all insurance companies really care about is their bottom line. Nowhere else is this more evident than when a customer tries to make a valid claim, but is turned away and denied the coverage they not only need, but are entitled to. For example, take the case of Molly Jefferson. Molly, at age 24, was seriously injured in a car accident. Initially, her insurance carrier refused to pay more than $100,000 in damages, falsely stating that the policy limits extended no further. Molly hired legal representation and sued for bad faith. The company, knowing they were in the wrong, settled for $2 million out of court-enough to cover Molly's medical expenses and lost time at work. Insurance companies have all kinds of tactics to avoid paying for the job they are obligated to do. Here are five of the most common. Tactic #1: Standard claim denial For many insurance companies, it is standard procedure to deny claims the first time around. The reason is that most claimants will not attempt to fight the decision, and the company will get out of having to pay coverage. However, if the claimant does indeed pursue coverage further after the initial denial, the company will then pay up. Tactic #2: Lowball settlement offers In many personal injury cases, such as car accidents, the victim is scrambling to pay expensive medical bills and recover from lost time at work. Insurance companies use this financial stress to their advantage by persuading claimants to settle too quickly for insufficient offers and sign a form that releases the company from future claims. Most people underestimate the time and expense of fully recovering from their injuries, and insurance companies count on that to get out of providing your complete coverage. Tactic #3: Recorded statements The job of insurance adjustors is to record your statement in the hopes that you will say something that the insurance company can use against you to deny or reduce coverage. Adjustors have an extensive knowledge of the legal system, which they use to try and twist your words around in their favor. Tactic #4: Requesting medical records Insurance companies ask for claimant's medical records in order to find information suggesting that the injury was not caused by the accident, but rather a preexisting condition. They will also try to use the medical records to argue that your injury is not as severe as claimed. Tactic #5: Video surveillance For claims that the insurance company finds highly disputable, they may send a private investigator to video record a claimant engaging in chores, recreation, or other activities. The intention of video surveillance is to show that the claimant's injuries are not that severe, since they are able to mow the yard, lift objects, play sports, etc. Protect Yourself Insurance companies have plenty of tactics to get out of paying for injuries and damages, as well as a knowledgeable legal team to fight on their behalf. Without a doubt, so should you.