A Guide to Buying and Using

Is Really Necessary?

Travel is already expensive enough, isn’t it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don’t know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible. Is a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it’s not really needed?

My personal answer is, of course, that I am not independently wealthy and can’t withstand the potential financial losses I would incur if I require medical care while I’m traveling. Not being independently wealthy also means that I’m in the market for adequate but cheap . I suspect that you are in the same position, so you, too need cheap . If you’re still not sure about that, consider the following.

Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased . In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance.

This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.

Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won’t break your budget. You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card. If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of . However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the coverage you need.

How Much Can You Expect To Pay?

When I bought my first plane ticket to China a few years ago it cost around $2000 round-trip, and my cost me over $500 because I didn’t shop around for cheap online.

A few years later, a little bit older and wiser, and my for another trip to China cost me much less–about $300 for roughly the same coverage. The difference? Before buying my for the second trip, I shopped around online and got the coverage I needed, at the right price. If I’d have purchased my for this latest trip from my travel agent, it would’ve cost me about $600 for the trip, and my plane tickets only cost $1,500! Not exactly the smart way to go.

So how much will it cost you? Not as much money as it will cost you if you get sick or injured abroad and you don’t have any coverage! That’s the obvious answer to the question.

In fact, how much costs will depend on your age and the type of coverage you choose. Basic policies cost as little as $5.50 USD per $1000 of coverage. On the other hand, you can expect a full coverage policy to cost you from 7 to 10% of the cost of your trip, depending on your age. The older you are, the more you will pay. No matter what the cost of the policy, however, it’s sure to be much less than the cost of medical evacuation!

The good news is that you can easily, conveniently and quickly research and locate excellent but cheap online and reduce the costs while making an informed purchase. This is much better than taking what you are offered at the travel agency because you can choose from hundreds of companies and polices and save yourself a lot of money in the process. One place you can start your search is at Central, [http://www.travel-insurance-central.com]

What You Should Consider When Buying

To assist you in your research, here are some suggestions to help you make an informed purchase.

1. Consider the worst-case scenario. If you can financially withstand the worst-case scenario then maybe you don’t need or maybe you don’t need a comprehensive policy.

2. Make sure the policy you are considering provides adequate medical/dental coverage, including medical evacuation coverage just in case you need medical care in a place where the best treatment available is below the standards you are accustomed to in your country. This can happen if you fall ill in a developing country or even on a cruise ship.

3. Check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.

4. If you are a frequent traveler, you should consider annual or year-round policies. Sometimes they are called multi-trip policies. Whatever the name, these policies can be relatively cheap when compared to single-trip policies.

5. Know what you are buying, so read the fine print. Make sure that you understand what the company considers to be a legitimate reason for cancellation or interruption. If the list is too restrictive, maybe you should consider another policy.

6. Don’t restrict yourself to buying only from your travel agent. He/She will probably only have one company’s product(s) available, and it’s there for your convenience, but that convenience can be quite costly!

7. Ask lots of questions about the coverage. Play the “what if” game. Ask for clear explanations of terminology. Make sure that you and the company are speaking the same language.

8. Don’t buy the insurance through your transportation provider. If the airline goes bankrupt, how adequate will your insurance coverage be?

Once You’ve Bought Your

Remember that your policy covers you between certain specific dates, so don’t start your trip early or extend your trip without first changing the dates of coverage on your policy. Of course, this might cost you extra, but that’s cheaper than finding yourself without coverage when you need it the most.

Also, it almost goes without saying that you should bring your policy with you when you go abroad. You can’t consult the policy if it’s sitting on your desk at home. You should also carry your company’s toll-free assistance phone number and other contact information with you wherever you go. It does you no good if you get ill or hurt and the necessary policy information is sitting in your hotel room. It’s also a good idea to bring your regular medical coverage cards and info with you.

I hope these tips will help you by the best for you. Then take your trip with the peace of mind that comes from knowing that you are insured by the right policy at the right price. Bon voyage!

For Backpackers And Hikers

If you have a tour in your mind and you want to travel the free way, a good backpacker policy is a thing you must consider before tour. Backpacking trips are bit riskier than regular planned travels. So in such case good backpacker becomes a mandatory criterion for a hassle free tour.

Most of the insurers don’t know all the benefits of insurance as they are unaware but these insurance policies help a traveler in many ways.

A Backpacker insurance policy is basically for those who are low on budget. You don’t have to pay high for regular insurance policy but you will surely get the essential coverage with backpackers policy. It covers you and your luggage at very less cost, as this type of insurance is designed for backpackers who are known for their low budgeted and unplanned travel schedules.

Before going through you must know backpacker insurance policy and its features.

Features provided by backpacker

There are some important features and coverage that backpacker policy can provide, these are as follows;

  • In case if you have to extend you trip due to any unexpected reason, backpacker insurance covers it too.
  • You get all covers round the clock all the year no matter what time or circumstances are there.
  • If you get sick during you trip, all the medical expenses will be covered by backpacker insurance providers. Most of the time such insurance policies also covers personal incidents that occur during travel (please confirm this before buying insurance policy from you insurance provider).
  • Many firms provide option to opt out which they don’t want to be covered and ask for the things which they want to be covered. This flexibility is an added advantage for insurers.
  • Many firms provide the option to the insurer that what they really want to be covered in their policy. This flexibility is an added advantage for insurers.
  • Many backpacker tours for winter sports, some travel for scuba diving. Such adventurous sports have high risks involved which can lead you to physical damages. Covers for such sports are also available as an optional measure. You can add such sports covers in your existing insurance for added safety.
  • You can extend you insurance any time with a single click sitting at your home in front of your computer.
  • Make sure that insurance policy covers the location in which you are planning to travel. Some companies provide insurance policies only for a certain country.

Now the biggest which every travelers generally asks is “Do I really need a backpacker insurance policy? And is it really worth it? “

Backpacker is surely recommended for you if you fell into any of these categories

  • You travel alone at places which are expected.
  • Your travel schedule is unexpected and never planned.
  • You have medical history or you are above 50 years of age.

Backpacking is surely an adventurous trip but it has its own risks too. Backpackers are very prone to injuries, robbery and related issues. There are some possible issues in which backpackers can easily get coverage. These are as follows:

Tour cancellation – Trips are cancelled many times due to many issues. Sometimes due to bad weather and sometimes due to some personal reason, one has to cancel his/her trip.

Emergency medical care – backpackers are very much prone to issue like food poisoning, diarrhea and other infections. Such diseases can lead to serious health issues which can be covered by purchasing insurance.

Accidents – accidents are common and can be occur at any time. Insurance not only covers for your injury but also the person affected by your mistake.

Theft or robbery – backpacker usually travel alone. They also stay at budget hotels. All this makes them prone to things like baggage theft and robbery.

Considering the current global scenario which is quite unsafe, having proper backpacker is very necessary.

A backpacker insurance policy can be a great help for every traveler who wants to travel the free way. So what are you waiting for? Get a backpacker for yourself and roam free

The Basics of

Life is full of unexpected events- this is the basic principle which drives the insurance industry. One doesn’t really know what will happen next year, next month even tomorrow. Life is especially more riskier for people who frequently travel, and a can really be a good thing to have. It will at least leave something for oneself, one’s family and loved ones in the case of unfortunate events during traveling.

One might be skeptical in getting simply because he thinks that it is a waste of money which can be used for something more urgent or important. However, we can never really say what will happen and it’s good to be insured. In the events such as accidents, trip cancellations and lost luggage, policies can really be handy. Getting is the first step that should be taken when planning a trip.

Types of Policies

is availed by people who are concerned about the events that may unfold during a trip. It’s not a sign of paranoia, it’s a mere sign that one faces the reality that he doesn’t control his life and the events that may happen.

-Package

packages are usually designed to cover single trips. This type of insurance policy is very ideal for tours, cruises, air trips, renting vacation homes, whether they are for business or personal traveling in foreign or domestic areas.

These packages are usually pre-bundled by the insurance companies and they provide travel coverage such as: cancellation of trips, interruption of flights, delays of travel, lost of baggage and personal effects, delay of baggage, emergency evacuation, assistance for travelers and medical expenses. One can also avail optional policies which will cover accidental deaths.

These packages are usually rated against three factors: one’s age during application, the cost of one’s trip and the duration of the trip.

-Medical

plans can also be designed to cover one’s medical expenses if needed during the trip. There are also group health insurance plans which can be availed by a group. However, most of the insurance plans available today will only cover medical expenses in trips which are done inside the “coverage areas.” It’s best to be able to ask the insurance provider regarding these things before availing a medical policy.

-Accidental death during flight

Many insurance providers give accidental flight death insurance as a part of their insurance policies. Sometimes, they give it as an option.

Listed below are some tips on how one can go about availing quality and suitable policies for his trips.

1. Before getting a new policy, one should double check his existing insurance policies. There might be some coverage with regards to traveling in the existing policies that one possess and it would be a waste of money to pay for something that has already been covered.

2. Know what’s the best type of insurance is best for the trip. Getting a is really dependent on the situation of the destination and the other factors that come into play such as one’s age and health conditions.

3. Know the policy. One should know whether things like international coverage, emergency evacuation, accidental death, remains repatriation and family are covered by the policy..

These are some tips on how to avail . The point is- life is unpredictable and it’s better to have insurance especially for travel purposes. is a real must when traveling.