Getting an International Travel Insurance Comparison
Going away is exciting. So many things to see and do. But planning a holiday is a lot of work. While planning the bulk of your trip is a lot of fun, there are tasks that are more dull than others. One of these tasks is finding the right travel insurance policy.
What some people don’t realise is that travel insurance doesn’t just cover your medical expenses. Travel insurance protects policyholders from a range of unexpected events including trip cancellations, theft of personal valuables and baggage delays.
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Not only is there international and domestic policies, but tiered levels cover from comprehensive to basic, as well as single or multi-trip options. These levels of cover allow prospective policyholders to tailor the policy to suit their needs and budgets.
What Does international travel insurance Cover?
While you can never predict what is going to happen, it is nice to know that you will be financially protected should something go wrong. Prepared for the unexpected.
If you are taking out international travel insurance, there are key areas you need covered:
- trip cancellation and disruptions
- medical expenses and evacuation
- luggage and personal items.
Holidays are expensive, with costs ranging from plane tickets to hotel rooms and tour packages. But what happens to all of those prepaid and nonrefundable expenses if you are unable to travel? Without travel insurance, these expenses becomes straight losses. However, if you had the foresight to take out international travel insurance, you would be reimbursed for any nonrefundable and prepaid expenses.Back to top
Types of International Travel Insurance
The nature of your trip and how often you travel will influence the type of travel insurance policy you need. There are different types of international travel insurance policies available, such as:
- Single trip travel insurance. If you only plan on travelling once, then this is the policy for you. These are your standard travel insurance policies.
- Annual multi-trip travel insurance. Annual multi-trip travel insurance policies are ideal for people who travel more than once a year. They are cost effective since you don’t have to get a new policy for each trip and a great time saver. Such policies provide coverage for unlimited trips and they are perfect for last minutes travel plans.
- Long trip travel insurance. Long trip travel insurance is just right for people who travel for extended periods of time exploring the world. This cover would also be good if you are going to travel or study abroad for a couple of months.
- Backpackers travel insurance. Backpackers travel insurance is quite different to the long trip and annual travel insurance policies as it is tailored to cover the needs of backpackers. The cover incorporates a lot of things not traditionally covered with travel insurance such as working abroad.
International Travel Insurance Comparison for Seniors
A popular way to spend ones retirement is to travel. There are great travel insurance packages for seniors, which means that you can explore the world without much worry. These travel insurance policies cover cancellation charges, luggage damage, loss and delay, worldwide medical expenses and selected pre-existing conditions just to mention a few.
There are international travel insurance policies for seniors that cover one trip and multiple trips. With single or one trip insurance, you are covered for a single trip only and this is ideal for seniors who only intend to travel once a year. If you plan on taking multiple annual trips, then a senior’s annual travel insurance policy would be ideal. Get an insurance policy that is designed to cover your travel needs such as multiple destinations. You can also take out a travel insurance policy that covers your pre-existing medical conditions.Back to top
International Travel Insurance With Pre-existing Medical Conditions
Pre-existing medical conditions are defined as any conditions dental or medical those are chronic or require ongoing treatment. You must declare any pre-existing condition that you have whether or not it is serious failure to which your travel insurance policy may be withdrawn.
A lot of insurance companies do not cover pre-existing conditions. However, this doesn’t mean that you can’t find cover. If you have a pre-existing medical condition, there are travel insurance policies that you can acquire that are designed to meet your medical needs.
- Heart attack. Finding travel insurance after suffering a heart attack can be difficult. However, if you have been cleared to travel by a medical professional, you should be able to find an insurer willing to cover you. There are travel insurance packages that are designed for those who have suffered from a heart attack.
- Stroke. Strokes are not normally covered by many insurance providers but you can find it is possible to secure travel insurance, provided you are deemed to be in stable health.
- Diabetes. You can get a international travel insurance policy that will cover diabetes.
- Cancer. Getting travel insurance with cancer can be difficult. There are insurance providers who provide international travel insurance for all types of cancer. The insurance company may require you to undertake medical assessments as this will help them calculate the premium payable based on your health.
International Travel Insurance Tips
Worldwide trips are exciting and you can make them even more exciting by planning. Here are a few tips that should help you enjoy your overseas travel.
- Travel insurance. Prepare for the unexpected and make sure you are covered against many travel woes such as travel delays, medical emergencies, theft and evacuations. Getting travel insurance should be one of the first things you think about when planning to travel.
- Pack smart. Don’t go overboard when you’re packing. Try and take only the bare necessities. Not only will this help you as you bag will be lighter as you move around but it will also leave you more room to buy things while you’re away. Also, it is important to know the luggage specifications of your airline provider such as size and weight allowances.
- Get vaccinated. Check with your doctor prior to your departure as to whether or not you will need to get any vaccinations.
- Money. Sort out your finances before leaving. This includes having some of your money changed to local currency before you arrive. Better still, prepay a travel money card, as it is safer than carrying cash.
International Travel Insurance General Exclusions
All insurance policies have their different exclusions and these will differ depending on the type of insurance policy you take out. Different insurers also have their different exclusions and there items that may be covered by one insurance company but excluded by another. General exclusions include:
- Pre-existing medical conditions. Most if not all insurance policies have exclusions on pre-existing conditions. If you have a pre-existing medical condition, you need to inform your insurance provider so that you can acquire a fitting policy.
- Irresponsibility. Insurance policies will not cover claims arising from irresponsible behaviour on your part. This includes leaving your luggage unattended, engaging in reckless behaviour and more.
- Illegal behaviour. You will not be covered for claims that arise due to illegal acts such as carrying prohibited items or violating regulations.
- Confiscated items. Insurance companies have exclusions on claims arising from items confiscated by government officials or any other authorities.
- Intentional harm. You will not be compensated for injuries that are self-inflicted.
- Sports exclusions. There are exclusions on competitive sports and other high-risk adventure activities. Find out which activities or sports are covered by your travel insurance.
International Travel Insurance Comparison Quotes
International travel insurance is something you cannot afford to be without. It is essential in protecting your from the unexpected.Back to top