Saturday, June 8, 2013

5 Situations it Would Pay to Have Travel Insurance

No one likes to think about the worst when you're planning a holiday - that's for the journey back when you're thinking about the stack of papers that need dealing with on Monday when you're back in the office. Sadly, there are hundreds of things which could go wrong when you're on your travels around the world. And 'away from home' is the last place you want to be when things start to go wrong. Unfamiliar surroundings can make a bad situation considerably worse, but having appropriate global travel insurance can really lighten the load. "I never thought it would happen to me" is a phrase you hear a lot in my trade - fortunately the types who say it to me are the types who took the smart decision to buy global travel insurance anyway. You can never be too sure, and for that reason here are 5 scenarios when your UK travel insurance company would swoop in to save the day wherever you are in the world: You have to cancel your vacation for a death in the family No one can accurately predict when a loved one will pass away, and with holidays booked months in advance, it's no wonder that the unexpected often occurs and a family is forced to cancel or delay their vacation plans. If you don't have travel insurance though, the losses will be firmly for you to soak up. With global travel insurance, the provider should reimburse you the costs involved so you can rebook at a more appropriate juncture. Your daughter is hospitalized after a nasty fall abroad A child playing in unfamiliar surroundings is often a recipe for trouble. If your daughter were to fall and break bones while on your holiday, a timely and expensive visit to the local hospital will be on the cards. While everyone would be happy to pay for their daughter's recovery, it is always easier if your UK travel insurance company is on hand to foot the bill - leaving you with more cash to sightsee when your daughter is able. Your holiday apartment is broken into and your valuables are stolen There's no disguising the fact that affluent holiday makers are an obvious target for crime, and holiday apartments often contain rich pickings for burglars. If your possessions are stolen while you're out enjoying the sunshine then it can ruin a holiday - fortunately, appropriate travel insurance can save the day by replacing or reimbursing you for the items stolen. You injure a complete stranger by accident Suppose you're minding your own business by your hotel's swimming pool, when you bump into someone, causing them to slip and break their arm. Without travel insurance, you could be held liable to pay damages including their hospital fees. With travel insurance, your personal liability cover will pay for their medical expenses. Your business' future is in jeopardy after you fall ill Picture the scene: You're representing the company on some urgent business abroad, and suddenly you fall terribly ill. The company's future is at stake! Fortunately, your travel insurance company can save the day by paying for an early return home for you, with a business associate taking your place. They'll pay the travel and accommodation expenses, to boot. Sure, I understand that the majority of people have a wonderful time on their holidays and don't encounter any of these problems - I mean they're not the kind of thing that happens to you everyday. But they do happen - I've seen the claims to prove it! And those are just the stories from the people who have bought global travel insurance: I can't prove it, but I suspect the number of people who wish they had bought travel insurance for the peace of mind it offers must be a significant figure. Partner Us Health and Fitness Computers and Technology Adventure Travel 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 21st century toys Trusted Health Care Products Trusted Product Review Weddings Plan Business Solutions|Business Summit Automotive Guide groovepress Health Product Review Health Care Team Education Guide Homeschooling Tips Trusted Advertising Place Home Loan Learning Center Reviews of Car Insurance Companies e-world-concept konyaku-miniloto bbfz pharmaseed newbookbuzz kanadareise highclassreferral zaheerzaidi live2times loans-poor-credit ijce pediatricimaging baixargratis bahnhofcenter examensmodule adultrentals icc2012 jewelrybuyers learning-complexity antychryst beyour-shelf chappyadams corporatepartnersinc ctgblog madtownthrowdown nisb ukvotingexplained dynamitelyrics freedomainconcepts artstation antiaging-medicine arlesheim-dom dynamitelyrics 1998article cineorly hathmore therawfoodfamilyisland livesportromania spywareforum fethullahgulenschools appler

How to Make a Travel Insurance Claim

Taking a holiday or business trip is usually quite straightforward. Most of the time, you buy your tickets, fork out a bit extra for travel insurance (because it's just what people say you should do) and jump on the plane. But what happens when something goes wrong, and that safety-net insurance policy you bought actually needs comes in to play? Many people's first reaction to realising they have to make a travel insurance claim is slight panic - what evidence and documentation do you need? Does your situation even warrant a claim? What happens if it all falls through? Don't worry - there are a few basic things you need to remember, and if you can do that, all should work out fine. Who do I Contact, and When? Depending on what it is exactly you're claiming, you have differing amounts of time to act. Before you leave on your trip, you should take two copies of your travel insurance details, packed in separate places. This should contain the full name of the travel insurance company, the policy you chose, the dates you're covered for, full contact details, and most importantly your unique policy number. More often than not, the company will provide you with a handy wallet-sized card with all of this information. If in doubt, take as much information as possible. Generally, the sooner you contact your insurance company the better. In cases of medical emergency this is important. In non-life threatening cases, and where you don't have full details of your policy with you, it might be best to contact the company to see if you're covered before you opt for whatever insanely expensive treatment you may need. Due to the higher costs involved, your company needs to know ASAP. They will obviously also need to be contacted ASAP if you need to be evacuated home, such as from an area where you may not be able to get quality care. If, on the other hand, you've lost or had something stolen, you generally don't need to contact anyone from the company until you get home - and you often have up to a month to get around to this. What you do need to do, however, is report all theft to the local police, and obtain a report of the 'crime' in question. Be aware, in developing countries with high numbers of foreign tourists, this is seen by many police as a waste of their time - you might have to slip the officer in question a few bills to get anything done. (Incidentally, this won't be covered.) If you're lucky enough to have your luggage lost by an airline, bus company or even hotel, try and obtain a report from them admitting culpability. Without this, your company may dispute your claim. The people who lost your goods may offer a private settlement themselves - get this written down as well. Where's the Proof? Large numbers of people take out travel insurance, and, feeling slightly annoyed that they haven't been the victim of a mugging or hostel robbery, attempt to claim that aging analogue camera as stolen. To claim, you must present proof of ownership. This is often easily done by showing the receipt for the item, but as many people simply don't keep receipts that long, other methods are accepted; bank or credit card statements, warranty cards, even photographic evidence can be used to show that you owned a given item. If you can't provide anything whatsoever, you may not be able to claim. Check your policy. And if they think you're telling porkies, they might just investigate your case further - you've been warned. In the case of purchases that had to be made (medical treatment, taxis when you missed your connecting bus due to a delayed flight, quick flight home due to civil war unexpectedly breaking out, etc), keep the receipt, and be prepared to present credit card statements and possibly contact details of the organisation in question. How Long do I Wait? Generally speaking, a simple claim on a stolen item should not take very long. Companies differ, but most will process a claim in around ten days if they have all the details they need, they will either say no, or send you a cheque. If your claim is, in their eyes, dubious for any reason, it may take longer. In cases where large amounts are to be paid out, such as those which have arisen due to medical expenditure, the gathering of all the relevant proof and information may itself take some time - you might just have to be patient. Partner Us Reviews of Car Insurance Companies Auto Owners Insurance Company payday loans

Travel Insurance A Necessity That Doesn't Have To Cost A Fortune

If you are planning to take a holiday or business trip then travel insurance is a necessity that you have to take into consideration and allow for in your budget. Travel insurance is insurance that is intended to cover financial and other losses incurred while traveling, either within one's own country, or internationally. Travel insurance specifically may cover a traveler's vacation cost against cancellation and interruption while also providing medical, lost or damaged property and travel delay coverage. Travel insurance can provide you coverage for medical expenses, trip cancellation/interruption, baggage damage, and much more. Travel insurance can be an easy insurance policy to arrange and usually will fall into one of the following categories, single trip insurance, annual travel insurance, backpackers insurance or ski insurance. Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from most travel agents, travel insurance companies or directly from travel suppliers such as cruiselines or tour operators. Cover Travel insurance cover may include typically, trip cancellation due to terrorism and other named unforeseen events, trip delay, lost baggage, medical emergency, and other problems associated with travelling. It is always advisable to check the travel insurance companies policy wording and terms to fully ensure that you are covered for your own specific requirements. Your travel insurance policy can be arranged to cover the whole family on either a single trip or annual travel insurance policy and you will be insured even when you're not travelling together. Cover can be arranged for most periods of time and typically would range from five days to three months. An Annual Multi Trip policy will cover you for a 12 month period. Most policies cover a wide range of holidays from simply relaxing on the beach in Spain to bungee jumping in New Zealand. Again it must be said that policies can be adapted to your individual needs, you only pay for the cover you actually need. Failure to disclose a medical condition could lead to cover being invalid. Annual If you travel more than once a year, check out annual travel policies, which provide insurance cover for every trip you take in a 12-month period. If you plan to take more than two trips per year it some times is cheaper to buy an annual holiday insurance policy than buy two separate single trip travel insurance policies. In the United Kingdom there are many insurance companies that provide cheap holiday insurance and annual travel insurance for residents of the UK and Ireland. Single A single trip policy can be taken out for any available geographic location and if you only intend to take one holiday per 12-month period of time will more often than not be the most economic travel insurance policy to consider. Online Booking your holiday insurance online is quick and simple. Once you get a quote and are happy with it, it takes just a few easy steps to buy online and get instant cover. Travel insurance is an essential part of your travel budget and its quite easy to obtain great value travel insurance online, which offers competitive cover and low prices which can more often than not be cheaper than some of the major insurance providers Offer in the High street. Partner Us Reviews of Car Insurance Companies Auto Owners Insurance Company payday loans

Seven Things to Do Before Buying Travel Insurance

Going back to Roman times, risks have been shared during times of tragedy and unforeseen circumstances, such as earthquakes, floods and the like. The first formal and recorded insurance company, Lloyds of London, was formed in 1769 and their founding principal remains intact today - to gather the premiums of clients as a pool of resources in order to return to clients who experience unexpected and unforeseen but covered events. So, that is the secret really, plan for the unexpected and unforeseen and make sure you are covered, especially when you are travelling. Whether your trip is a quick one or a round the world cruise, there are many good reasons for travel insurance. Here are just 7 things you should do before you buy your travel insurance: Whatever you do, please explore the market and educate yourself with all the terms and terminologies of the travel insurance cover that will help you to avail the best travel insurance. Certainly check what is included in your travel insurance policy but most importantly, check what is EXCLUDED from your travel insurance policy. Research the area you are going to. What is the weather likely to be like? Is there any danger of hurricanes or tropical storms? Floods? How about Mosquito borne disease? What is the crime rate like? Whatever the perceived dangers your research uncovers then make sure that your travel insurance covers you for that eventuality. It is no good after the event to find out that you are not covered for rabid dog attacks (because there are so many in that particular area). Discuss Your Existing Medical Conditions and Requirements - You need to carefully assess your likely medical requirements and make sure that these are declared to the travel insurance company. If you intend to drive make sure that you are adequately covered. Many hire companies charge astronomic excesses in case of an accident. Make sure that you insured for that excess (and it will be a lot cheaper than paying the hire companies rates for that same cover). Make sure you have the necessary documentation for travel in that country. Take Spain for example which is part of the European community and will offer free health care say to a UK citizen on holiday or living there. There are certain conditions, one of which is that you must have a UK E111 form, if you do not have that, you will not be treated. You must also go to a national health hospital, which are not in abundance in certain areas of Spain. If travelling in Europe, it may pay to get a EHIC (European Health Insurance Card) as this will remove a lot of worry should you need any emergency treatment. Okay, so there you have it. 7 things to do before buying travel insurance for the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there is an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print first. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, (insert for your favourite potentially dangerous sport here), scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on. That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured. Partner Us Reviews of Car Insurance Companies Auto Owners Insurance Company payday loans