Compare Travel Insurance
So you are traveling! Have you taken everything you need Visa, Air tickets, clothes according to the climate, a good book if its a short stay and your favorite pillow if its a long stay. Hey what about the your matching shoes and never to forget a Disprin incase you have some wailing kid sitting next to you in the airbus. Just pause and think are you forgetting something well what am I missing now, is that you might be thinking. Have you got your TRAVEL INSURANCE Working as a personal assistant has taught me a few things and one of them is never assume, and most of the times assuming has left me in deep trouble with my Boss.
He is one guy who leaves everything to me. He was traveling to Asia for a business tour once, and i made a checklist of all the things he would need including putting a note to call his wife on her birthday, which he always managed to forget. But alas for me I assumed he would have his personal travel insurance with him. And these assumptions lead me in learning my biggest lesson in life. ALWAYS ASK. Poor guy had the worst week of his life as he needed immediate medical attention as he has eaten something that had led to food poisoning and to his horror he did not even know what travel insurance is.
So let start with the most common definition of what is a Travel Insurance
Travel Insurance is an insurance to cover problems associated with traveling, generally including trip cancellation due to illness, including coverage for vacation, travel interruptions and delays, emergency medical and health expenses, lost baggage and more.
Even if you are the Chief Executive Officer of a large organization, you would still have to plan your vacations. And saving for a vacation takes months and sometimes years, I personally know a couple married for 40 years saving for their second honeymoon. And we all know that it takes just second to ruin even the best laid plans. So why not take the saving and planning a lit more ahead and make it completely secure, so that you are sure that you can do something to help cover your travel investment-buy travel insurance. Well no one can so anything about to prevent natural calamities, all you can do is help yourself in the worst of conditions.
Logically your next step would be to find out basic information about travel insurance.
1. How much does a travel insurance cost
2. Can I buy it
3. What benefits are provided under the policy
4. What do I need to do
5. How do I buy one
You need to look at the most common information required under price and benefits.
Starting with price, what would be the exact cost of the policy and how can you go about buying one. What are the payment options one can use Cash or Card If only card how secure is it to give card information.
Moving on to coverage you questions should basically be on what are the countries covered under this policy, what would be the exact start date of my policy, form the date of travel or from the date I sign-up for the policy Are my digital camera, ipod and laptop also covered under this policy Incase of an early return, is a refund possible Am I covered for Asthma or other medical conditions If you are a sport person then you would definitely want to you know your skiing expeditions are covered too. And last but not the least incase of loss of cash what then
Further on the exact nature of the policy, if you can buy a policy, and you would also want to know if the start and finish destination has to be the same as your country of residence. Can one take a policy enroute, if you did not know about it before traveling And if your policy is extendable and what is the limit to the number of extensions
You would surely want to know what you can claim for Do you have to show receipt for making a claims and what if you dont have receipts Can these claims be made while I am traveling
We just hope you might require emergency assistance incase you are traveling overseas, but incase you need it then you would also need to know where to go for it.
Comparing can always help you make take the best and sometimes a little more than what you require and also you have a security of knowing a little more about other plans keeping you abreast and ahead of the sales person who comes to sign of your policy. Its always an advantage to ask the right questions rather than sound like a novice. Atleast the insurance agent will know who is in command!
Terms & Conditions can be tricky business, no one would want to learn it the hard way, that the medical insurance they have signed for is not all that rosy picture that was shown to you during sign-up and because its mostly the extendable types, people often forget about it until the time they are on the next trip. So its better the read the smaller prints and conditions apply firsteverything in bold would definitely be a part and parcel of the policy.
Well you can think of Medical Insurance like the vaccinations you never forget to take before you travel to another country. You need it only sometimes, but please do not spell sometimes like never because those sometimes can sometimes give you gitters. So rule number one, ensure you have everthing taken care of before you travel
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