The Importance of Comprehensive Travel Insurance When Visiting Other Places

A lot of people, when they travel, find themselves tense and worried. While it is it natural to feel excited when leaving home and exploring another destination, it is also a normal feeling to be anxious and thus feel the need to find ways to protect their health and well-being, as well as the act of travelling itself. What if there is a sudden change of plans like an accident or a weather disturbance, or if other unforeseen events occur? Travel plans may have to be postponed, cut short or cancelled altogether.

This is where travel insurance kicks in. Travelers who are not covered by this kind of insurance may have to shoulder significant financial responsibilities such as losing money over unused plane tickets and medical expenses that are not included in typical health insurance policies.

Having a travel insurance policy covers a holder from a lot of unforeseen events. These events include, but not restricted to: sickness, injury or disablement while traveling, flight delays and cancellations, legal issues and accidental death, damage, and theft or lost of personal effects during travel. These events have further causes that may indirectly involve the traveler or not, from the weather, airline employees’ strikes to even political unrest, and these may still be covered by a travel insurance policy.

Some companies that offer holiday insurance may even include a clientele that deliberately put themselves in danger with the activities they conduct when travelling. These are backpackers insurance policies for those who want to explore their destinations in a less luxurious setting. There are also insurance policies for those who go to some places just to engage in extreme activities like scuba diving, sky diving, and skiing. Considering that there are a lot of weather and geological disturbances that have been happening all across the world like earthquakes, tornadoes, tsunamis, landslides and hurricanes, it is really wise to take advantage of travelers’ insurance.

Travel insurance is usually classified into two: medical and disability cover for medical and hospital expenses that may be incurred by the traveler overseas, as well as income loss because of injury, illness, disability or death and non-medical cover which includes cancelled or delayed flights and stolen, lost or damage baggage.

For those who want to be covered on all bases, comprehensive travel insurance with both medical and non-medical cover would be the best choice. This should also be ideal for travelers who do not hold any medical insurance policy in their respective homes. Travelers who are away from their homes for a long time without health coverage and those who are not in their country of permanent residence should have this kind of insurance with them. The assistance this kind of insurance will extend would prove invaluable, including medical assistance in the local destination, hospitalization, emergency medical mode of transport, emergency treatment, consultation, repatriation of the body should the traveler pass away and escorting of immediate family members, among other benefits. The comprehensiveness of this type of travel insurance should put any traveler’s mind at ease.

There is a range of comprehensive travel insurance and annual travel insurance policies for EU residents for any type of journey and age group (up to 84 for single trip and up to 74 for multi trip coverage) available with Globelink International Ltd. Globelink provide cover for virtually any of your requirements. This includes a list of different types of policies giving you an option to select either a policy with a comprehensive or basic cover; an option to extend your policy to provide an extra cover for hazardous sports/activities, baggage, golfer’s cover, excess waiver, event cancellation, wedding cover, and much more.

A Brief Guide to Understanding Travel Insurance Excess

Trying to find the very best travel insurance can be daunting and difficult. Deciding between annual travel insurance and single trip deals, and even the issue of insurance excess is also likely to cause great confusion. This article may provide some clarification and guidance for prospective travellers.

Essential Insurance Information

Anyone confused by the technical insurance jargon need only really remember that policy excess refers to the expected level of initial payment (from the insured person) in the event of a claim. This will differ greatly, depending upon the level of excess that is agreed when registering for the policy. The insurance company will pay any remaining money, up to the agreed claims cap. Relevant information regarding the excess should be included in the policy document and kept for easy reference.

Additional Protection

As mentioned, the level of excess will vary depending upon what policy a customer chooses. Some insurers may demand as little as £20 in the event of a £500 claim, however others will expect much higher amounts. There may even be stipulations regarding the level of excess associated with different areas of the policy. In the event of theft the customer could have to pay £30 for legal assistance and £50 for the replacement of stolen goods. It’s worth bearing in mind that some cheaper single trip or annual travel insurance policies may have relatively higher levels of excess.

The Excess Waiver

Prospective travellers who are prepared to pay a little more may be given the option of an excess waiver. This means they aren’t required to part with any of their own money in the event of a claim. Annual travel insurance customers may take this option as a guaranteed means of enjoying peace of mind throughout the year, however it may be deemed unnecessary for those simply looking forward to a quiet weekend away! Anyone who requires further clarification on the issue of excess should contact their insurers or seek independent advice. It may be possible to ascertain the track record of companies with regards to insurance payouts.

Policy Excess Warning

Most insurance companies will be unwilling to upgrade existing customer policies and completely waive the excess. This is why it is so important to do comprehensive research and purchase the correct level of insurance in the first place. But it’s also worth checking if any policy waiver covers injuries sustained during extreme activities and the loss of personal belongings. Such issues are particularly relevant to annual travel insurance customers, as it may need to cover a range of destinations and purposes for travel.

Why Travellers Need To Compare Travel Insurance Services

Travelling is an exciting activity most individuals opt for. By travelling, individuals can check out new places and destinations. They can also try out new activities and taste different types of cuisines from different locations in the world. And, travelling especially with the whole family can provide individuals relaxation and sufficient time with their loved ones. However, before planning a weekend or a holiday vacation, it is essential to get travel insurance.

As of now, individuals can opt for travel insurance from numerous companies. Apart from that, individuals can also choose from different types options. Because of this, there are issues that may arise that can affect your travel. To deal with these issues, travellers need to compare travel insurance services. And, the easiest way is to go online and look for companies that provide travel insurance services online. By doing so, travellers can enjoy the following advantages.

To match their needs

When it comes to travel insurance, individuals can opt for different types. By comparing insurance from multiple insurance providers, travellers can find the right insurance that can match their needs. This is important to ensure that your travel is safe and comfortable.

To get the most out of their money

Comparing travel insurance will also allow individuals to get the most out of their money. This is essential since there are some insurance that are quite expensive, but do not provide the right services you need. For instance, there are cases when health issues may occur during your trip. Unfortunately, some insurance do not cover such issues, which can affect your trip and your well-being.

To know more about insurance policies

Another advantage of comparing is individuals can obtain better insights about insurance policies. Surely, there are lots of insurance providers to choose from. And, these providers offer different insurance options. By comparing, you can easily know which provider can provide the right option that can suit your needs.

To find the right insurance provider

Lastly, comparing can also help individuals find the right provider. Most providers give insurance for a single trip. However, reliable insurance providers can provide you with annual insurance. In this way, you can cut down your expenses and reduce tasks when planning for a trip.

Tips On How To Save Money On Your Travel Insurance

Travel insurance should be part and parcel of any holiday plan. This type of insurance can give you peace of mind while you are travelling and when you are already on your vacation. However, a lot of people (and possible holidaymakers) decide to avoid getting travel insurance for one particular reason: its rate. Travel coverage can indeed be expensive, especially for people who will be investing in one for the first time.

There are some tips that you can follow though to save some money on the travel insurance you will get. These helpful tips include the following:

Think about whether your trip is expensive or extensive enough to warrant buying insurance. If you will just be spending a couple of days for a vacation or business trip to a nearby city, you won’t really need coverage. But if you will be travelling to a different country for at least a week for business or leisure purposes, it would be wise to get insurance.

Shop for different insurance policies online or with the help of your insurance broker. Different insurance companies offer various types of coverage and rates. Don’t be contented with the first policy you see or read about on the Internet or the one recommended to you by your broker. Compare and study the product prices. You will then be able to find a coverage that falls within your budget when you research well and make the most out of all available resources.

Research and take advantage of member discounts offered by health insurance funds. There are various health insurance funds that offer member discounts. If you already have health coverage, find out if your provider also offers travel insurance and if you can get discount when you acquire this from them as well.

Don’t be afraid to negotiate prices. You can always try to bargain with your insurance broker to get the coverage you want and the one that fits within your budget. You can also negotiate deals with the insurance company as well. You will find that some companies are very flexible with their rates. And you can work out a deal with them that suit your needs.

Finally, if you will be going on several trips every year, consider getting a multi-trip policy. Multi-trip coverage comes at lower rates when compared to getting insurance valid for only one trip. Although the initial outlay can be higher, you will still save money in the long run by investing in multi-trip insurance. And you won’t have to worry about finding and investing in the right coverage every time you travel.

How to Make Annual Travel Insurance Work for You

Holidays used be a luxury: generations ago, the idea of crossing nations was intimidating for its expense and difficulty, while the concept of crossing oceans was only possible for the lucky few. Nowadays, packing your bags for a trip is almost an expectation for many middle-class families, and the travel industry is booming.

The need for travel insurance has grown as well and, while many travel now and then, there some families and individuals who can afford regular trips. If this is the case for you and your family, you need to consider how to make annual travel insurance work for you.

Choose the right provider

The first step is probably the most obvious. Choosing the provider of your policy comes with its own set of expectations, including reliability, efficiency, and, of course, value for money. But picking an annual travel insurance policy from the plethora of companies flooding an already bursting market can seem daunting. The key is to focus on the quality of a provider’s guarantees, matched with the openness and simplicity of their plans. Solid, small and reliable firms are usually backed up by larger insurers, and offer plans which, while simple to quote and easy to book online, always come with a clear explanation of exactly what you can expect if you plan your regular trips. Choose wisely, and whether you’re heading off to Spain on short weekend trips or have a few conventions to cover in Ireland over the summer, you know you have a policy you can trust.

Choose the right plan

Even the smallest providers will offer a range of plans. It’s not always a simple matter of narrowing down a number of annual travel insurance plans offered by a few companies and going with your gut instinct. The intelligent way to make your plan work for you is to ensure you only pay for what you need. Year-round cover varies, and whether you are a businessperson, family, couple, or individual will, along with other factors, affect the efficacy and cost-efficiency of your plan. Checking the fine print will save you from paying for things you might never need.

Choose the right extras

The nature of annual travel insurance means that it’s is based on the rather pessimistic premise of portentous injury, accidents or loss of valuables. But even if the best-case scenario occurs and you never need to make a claim, a policy can be made attractive with some potential extras. Free cover for children, cover for cruises or golf equipment, 24 hour emergency contacts and other perks can make your plan work for you all the harder even harder – and save you money!

Invest in Safe Travel With the Right Family Travel Insurance

Planning a family holiday can be exciting, especially when finalising the itinerary. But being prepared for the holiday does not end with listing the places you are going to visit. One of the most crucial steps in planning a break away is getting family travel insurance. The questions should not be whether you will or won’t get it; it should just be a question of what needs to be covered and what special circumstances could arise during your trip when you might need emergency medical assistance. You need to plan ahead and be flexible – but don’t forget the things that really count, starting with the following.

Don’t Skimp on the Essentials

While you may not necessarily need car rental cover included in your family travel insurance if you’re not going to drive abroad, medical assistance is always an essential, especially if one or more members of the family has a specific condition that may need to be attended to immediately – such as asthma or diabetes. Baggage loss and passport replacement are other basic concerns that definitely need to be covered. However, before deciding on adding another clause to the policy you are going to purchase, check that these are not already covered in a separate policy you currently hold – like household, for instance.

Shop Around to Know Your Options

If this is the first time you’ve purchased family travel insurance, the first thing you need to know is your family’s eligibility. For starters, a basic package for a family will cover two adults and four children less than 18 years of age. The next thing to figure out is whether to get single-trip or a multi-trip insurance. Basically, a single-trip policy will cover you for the extent of your holiday and will expire when you get back to your home country. This is an ideal option for families who don’t do a lot of travelling. On the other hand, families who frequently go abroad might be able to make a more efficient purchase with multi-trip insurance, which is usually good for one year and doesn’t need to be renewed or repurchased every time you go away.

Declare Medical Conditions Up Front

Especially when travelling with babies or young children, it is crucial to be transparent when you’re buying family travel insurance. This means declaring any existing medical conditions of every member of the family. Doing this not only helps you make an informed decision about which policy you need, but it is also vital information when it comes to processing a claim. Ignore this at your peril – honesty is always the best policy.

Enjoy Your Journey To The Fullest With A Travel Cover

Traveling helps you gain new experiences of life, it displays the tradition and custom across the world. It refreshes you from the everyday hectic schedule. The trip will surely give you a new dimension of life. Obliviously, whether you travel with family or alone, business trip or government job purpose, you want the trip to be fun filled and with ease. What wants to encounter trouble while travelling distant countries, cut off from your familiar surroundings? For a moment there will a panic button pressed in your minds. However, unexpected situations do come up and you have to be prepared for them. Accidents, illness, theft, an emergency situation like flight delays, riots, terrorist attacks at the airport might erupt anytime and so you have to be planned to face such situations. To avoid such as unwanted situation and stay financially equipped to combat it, owning best travel insurance would be the masterstroke.
The article discusses some situation that will make you realize how travel insurance can be handy:
Accident/Illness
While nothing may go wrong, but if something bad were to happen you may suffer an injury else fall critically ill due to bad weather as such and needs to be hospitalized. Imagine the costs that would incur on medical treatment in the foreign country. It will make a huge hole in your pockets. A good travel plan will just help you to take care of such contingency and a major portion of your medical expenses will be covered.
Financial Emergency
In case your hotel room gets burglarized, wherein you get robbed or baggage is stolen, then obviously you cannot travel as your passport important documents were kept inside. The result would be you would have to stay for few extra days. Naturally, it will incur costs to protect you from this unexpected financial hit, your policy will provide assistance for these incidents. Your financial emergency assistance will also help you during a loss of travel funds.

Personal Liability
Many times accident happen unexpectedly, you may not be the victim but could help liable for damage or injury caused, in that situation. The mishap is as such that resulted in injury to someone or damage to someone’s property. At such point of time, your Best travel insurance will come to your rescue. It will take care of third party liability cover and make your free from any form of tension during your journey giving a peaceful and enjoying experience.
These day online sites offer travel insurance policies with varied benefits and features. You can visit the comparison sites and compare them in terms of benefits & features, claim settlement ratio, terms, and conditions, etc. and then go for suitable purchase.
Purchasing Best travel insurance online is all about providing travellers an ideal cover against financial emergencies and uncertainties right from the comfort of your home or offices. However, certain factors which one should look for while zeroing the policy would be:
Covers entire patient hospitalization along with daily allowance
Personal accident covers in case of permanent disability/death
Cover for contingencies related to personal possession
Cover baggage, documentation visa or passport loss
Covers Expenses related to trip delays/ hotel accommodation, trip cancellation
So, buy your Best travel insurance policy today for creating happy memories in while traveling abroad!

Why International Business Travellers Need Specialized Travel Insurance Cover

In this work driven world, people are goal-oriented and often financially driven; and sometimes people take for granted the importance of physical safety. Insurance makes security tangible. The insurance industry has delved its hands into various aspects of life, securing animals to kids to education to cars. You name it, insurance can secure it. Insurance has become so important in our everyday life that it’s now considered an imperative need.

The largest group of insurance companies are engaged in the travel insurance business. These insurance companies typically offer specialised policies to business travellers. The policies cover risks associated with international or domestic travel which include accidents, deaths, trip cancellations, lost tickets, damage to properties like car rentals and other concerns related to travelling. Procuring this type of insurance is important because it provides security not only to the traveller but also the employer.

Business travellers, especially those travelling internationally, are people on the go. Their employers are potential policy holders. Business travellers are exposed to more risks. The risk covered by the corporate travel insurance is unique to the business the traveller represents. For example, a business traveller working as a car dealer meets an accident while on a Cessna plane can be compensated by a travel insurance covering the risks of medical expenses while working on the job. In getting a corporate travel insurance policy, it is important to tailor the policy in order to cover all the risks that the business traveller is exposed to in relation to the work he’s involved in. Equity dictates that tailored fit policies are necessary for the safety and security of both the employer and the business travellers because of the basic reason that their travels are considered work; it is but a natural obligation for the employers to compensate and insure them.

Corporate travel insurance differs from the usual holidaymaker insurance because it cover more risks and could be specialised in accordance to the type of business the business traveller represents. For example, if the business traveller is working for mining company, the travel insurance policy can include accidents met while visiting a mining site. Because of this specialisation feature, the premium paid for these corporate travel insurance is higher than the usual travel insurance.

A tailored corporate insurance policy is being offered by various insurance companies. One of the most comprehensive policies is the group business travel insurance. For this type of insurance, it is important that the insured or the policy holder is the employer and the beneficiaries are the employees or group members. As to the requirements, each insurance policy provides for different requirements; basically if the employer can pay the premium and the insurance company is willing to cover the risk then a tailored group business insurance policy can be issued.

People work to earn a living. Often than not their work is the cause of their injuries. It is important for employers as well to prevent lawsuits filed by employees they send for travel. The best and equitable solution is to procure corporate travel insurance.

How A Travel Agent Can Save You Money On Your Next Trip

These days, many families have their put their vacation plans toward the bottom of their list of priorities. During tougher times, a vacation can seem to simply cost too much money. However, if you are thinking about going on a vacation, you might want to look into working with a travel agent to save money on vacation expenses. Working with a travel agent to plan your vacation means you might be able to afford the trip you thought you would have to put off until next year. For this reason alone it is definitely worth exploring the possibility. So how can working with a travel agent save you money?

Your travel agent will help you get the most out of your budget

Whether your travel budget is $500 or $5,000, working with a travel agent is probably the best way to make the most of your money. Especially if you’re traveling on a tight budget, the skills, knowledge, and experience of a travel agent can be invaluable.

Just make sure when you’re discussing travel plans with your agent, you are absolutely clear about how much money you have to spend. If you want to travel as cheaply as possible, make sure your travel agent understands this so that they have a good idea of the types of travel and accommodation they should be finding for you.

Your travel agent can quickly access a number of providers

Travel agents typically have access to a large network of travel, accommodation, and activity providers. With computer systems that provide access to travel agents all over the world, they can quickly locate details of discount travel providers in many countries. This is one of the main reasons why working with a travel agent is a good idea when you’re on a strict budget. They have access to a large number of different resources, software, and industry contacts, all of which they can use when hunting down the best bargains.

Your travel agent knows the cheapest times to travel

Some days are less expensive to travel on than other days. Red-eye flights and stand-by flights can be less expensive, but direct flights can cost more than taking a circuitous route that involves several different connections. Your travel agent should be very knowledgeable on the process of all this and knows that flights booked on Friday, Sunday, and Monday are generally more expensive. You stand a better chance of saving money on flights if you’re flexible about your travel dates.

In addition, your travel agent can quickly tell you if your vacation plans fall within a peak season during which flights to your destination are significantly more expensive. This means that you can modify your travel plans if you wish. Changing plans may include a cheaper destination or traveling during the offseason to save money on your flight.

Advanced booking is another factor that your travel agent can use to help you get cheaper flights. You should be booking at least six months ahead to get the most affordable tickets. Your agent should tell you that the holiday season is always a relatively expensive time to travel, no matter how far in advance you book.

Your travel agent has access to bulk discounts and consolidated tickets

If you’re willing to travel as part of an organized tour, your travel agent can help you access travel and accommodation. There are also specials for activities that are significantly cheaper than what you would spend if you did the same activities alone. This is because as part of a tour you can take advantage of bulk discounts. You can even organize your own tour through your travel agent, and the organizer might get to travel for free!

Consolidated tickets provide you with the chance to save on your air travel costs. A consolidated ticket is simply a ticket which was purchased by the agent as part of a large group of tickets sold by the same airline. The agent gets a bulk discount on the tickets and can pass that discount on to their clients.

Your travel agent has industry contacts and experience

This translates into money being put back into your pocket. Your travel agent may be in regular contact with many industry professionals, and might be able to get you a great deal on a tour being planned by another agent. If you’re flexible with travel times, your agent may advise you to adjust your trip dates to travel during a cheaper part of the week, potentially saving you hundreds of dollars in travel costs. An experienced agent should have expert knowledge of your travel destination and can provide advice on budget accommodation and activities. The agent may often be able to provide discount coupons, free passes, and other incentives.

Best of all, none of these advantages come at a price! You can take full advantage of the wealth of knowledge and experience that your travel agent provides, and can potentially save a great deal of money in the process.