Travel Insurance For Long Distance Traveling

Currently, many insurance products offered to the public to provide tranquility for a customer when he was on the move. Whether on a business trip, vacation, or just a regular trip. Now, almost all insurance companies have and offer this travel insurance product. Despite the different name, it still has same goal, which is to protect yourself and your family, when we travel far.

Travel insurance is an insurance product offered to the public who often travel long distances, in both Indonesia and the world, for business purposes (business), tourism or just a regular trip.

In order to travel, we must deal with a number of risks. It could be you or a member of the family suddenly ill or suffered severe injuries in an accident. For that, it is advisable for us, before a long trip, we should prepare ourselves with insurance products such as travel insurance. Spend a little more to buy insurance products when travel far is more beneficial than not buying at all. The reason is, anything can happen. Protecting yourself with travel insurance will provide security to the families left behind.

Variety of travel insurance products offered by insurance companies offer different benefits. Therefore, premiums and collateral offered is also different. There are insurance companies that provide security for travel around the world, but a few insurance companies cover Indonesia area only. There is also an insurance product specifically for aviation (air) alone, between ports (sea) only, between terminals or between stations (land) and some of them covering the whole journey. Similarly, there are also insurance company that cover for a period of time, there are only between airports, meaning that customers are insurance protected only when he departed from the airport to the airport A to B. However, there is also a guaranteed per week, per month or per year.

Guarantees given by them are different, depending on the premium paid. The greater the premium paid and the longer the policy agreement, then the greater the assurance obtained. For example, there is no guarantee that only for the accident and death alone, and there are also other collateral in the form of health insurance, luggage, motor vehicles (if it travels by private vehicle) to the repatriation corpse.

There’s even a travel insurance that can provide security when something bad happens to her policy holders of robbery in the middle of the road before reaching the destination country. The more coverage provided, the better for policyholders.

With the diversity of benefits offered, it will be more complete, if the home, family and possessions we leave behind is also equipped with insurance products, such as robbery insurance, earthquake, life, health and others. With this entire insurance guarantee, wherever we go, peace is always with us.

Travel insurance products, not only provide security or protection for its customers in terms of personal accident. There is also covering all losses incurred during the trip progresses, such as personal accident, medical expenses (medical care, including treatment) and third-party insurance coverage law.

Travel insurance provides comfort and reassurance when you are out.

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Travel Insurance And Pregnancy – Dos And Dont’s

Many women make travel plans after they become pregnant, as they know that after the baby is born they will not have the time to travel. However, it is advisable to take the precautions and not take unnecessary risks, which would harm the unborn child and the mother too. Travel insurance at any time is necessary, but travel insurance and pregnancy is a completely new ball game.

Travel insurance will cover some of the risks involved in travelling during pregnancy. Though most people nowadays are quite casual about travelling during pregnancy, there are some risks involved. Insurance companies, in general, offer cover until the 28th week of pregnancy, but after that time, there are a few insurance companies which offer insurance cover. The premium on insurance during pregnancy is often more than what is payable on other insurance policies.

So what makes it different from other insurance covers? Almost all insurance companies classify travel during pregnancy as a high-risk cover. The main reason for the high-risk classification is that a pregnant woman is more likely to pick up some infection or develop some other complication which will need medical help. Sometimes, medical repatriation may also be required. That is why many of the general travel policies are clear that the woman returns to base at least eight weeks before the baby is due. If this criterion cannot be fulfilled, travel insurance cannot be availed.

Here are some points to remember about travel insurance and pregnancy.

1. Most of the insurance companies, which offer travel cover don’t cover pregnancy, as a general medical condition. You would have to check with your insurance company and find out what has to be done. Most of these companies offer travel insurance during pregnancy as an addition to the existing policy.

2. Travel insurance is very necessary, whatever mode of transport you choose.

3. If you are flying, make sure you inform the airline at the time of booking. Some airlines ask for a fitness certificate from the doctor, while some others will not issue tickets to women with medical conditions such as venous blood clots or who have a history of premature birth.

4. Make sure that the travel insurance covers the newborn, in the instance of a delivery on board.

When you think about travel insurance and pregnancy, there are some limitations which you have to consider.

1. Most insurance companies do not offer cover for multiple pregnancies.

2. Many policies will not cover any complication during travel, if the woman has conceived with the help of fertility drugs or In Vitro Fertilisation (IVF).

3. If the woman has had medical problems during pregnancy, then it may not be possible to get cover.

4. If the woman has a history of complications during conception, pregnancy or delivery, insurance cover may be denied.

5. There will often be no cover available after the eighth month of pregnancy.

Most importantly, remember that travel policies do not usually cover a full term birth.

Travel Insurance Over 70 – Here is How to Find the Best Rates

You have worked so hard your entire life that you now want to spend your retirement traveling but now that you are over 70 travel insurance is not easy to get. Eventually, when you get to find one you find out its expensive.

Don’t give up just yet on your dream of going places. Don’t even stress yourself looking for insurance for your travel which fits your age bracket because here are tips help you find for yourself the best over 70 travel insurance rates.

The keys to finding the best insurance are determining your needs, looking in the right place, and the Internet. Yes you got that right the Internet but that will be for later.

Your over 70 travel insurance policy should cover the entire duration of your trip. If you are keen on traveling more than twice a year get an annual insurance for your travels however if you only intend to travel once or twice a single travel insurance is more financially practical.

If you already have a health insurance, review the policy and see the extent of the coverage. If you are covered for medical evacuation and reunion with a relative in case of hospitalization while traveling then ask if you can opt to exclude this in your insurance application.

Health problems are frequently associated with seniors; however if this not your case because you are fit and are not likely to get sick as you are traveling then ask if you could have you your policy adjusted accordingly. However, keep the accidental death and disability part because accidents are something that no one can predict but can best prepare for not only for yourself but for the family as well.

Recently, many travelers got stranded in various places in Europe unable to go home for days due to the volcanic ash from the eruption of Iceland’s volcano. With that in mind, ask the insurer if you can be covered for natural disasters. With insurance you can be put up in a hotel so that even as you are stranded, you can still have a comfortable stay.

Your policy should have the “Cancel For Any Reason” clause. This is handy for those times when you have to cancel your trip because there is an disease outbreak to where you are going, a family member suddenly fell ill, there is a natural disaster occurring at your destination, or you yourself isn’t feeling fit for travel.

Now you can Look around for a major insurance company that is known for their travel insurance deals for the senior age bracket. If you don’t have any idea, your friends who are in the same age bracket could prove to be helpful as they may have already insured themselves.

Keep in mind that good deals does not necessarily mean they are the best deals. Don’t stop at just one insurance company in fact why don’t you list down two more? After that go out there and talk with an agent from each company and have a discussion about their over 70 travel insurance, policy inclusions, how you can adjust your policy according to your needs,d how much you’re going to pay and then compare your notes.

Now if you want to do the research without having to go out of your house and meet agents on a personal basis, you can always surf the Internet for over 70 travel insurance providers. Many insurance companies now have their own websites that are equipped with an insurance quote system which you can use to find out how much you will possibly pay. This is also the best way to do comparison, letting your fingers do the walking.