If you buy travel insurance make sure your insurance policy are cover enough for medical facilities. Some of the medical tips may be will help travelers during holiday are listed below :
> Ask your doctor about traveling precautions. Make a list of all the medicines and their salt compositions (you won't find the same brand name here) needed for your recent or recurring ailments, allergies etc.
> Carry enough pills, dosages, and emergency medicines. Remember, you might need a prescription to buy them in the USA. Without recognized prescription you can't get medicine except basic medicines for cough, cold, fever, head ache etc.
>Do you Wear spectacles? then note the specifications of your lenses. It is advisable to carry a backup pair with you. Even if you wear contact lenses, carry a pair of glasses. Keep all the needed eye drops and ointments.
> If you need to take medications that contain narcotic drugs or are addictive, get a doctor's certificate for it. To ensure you do not violate the laws of the country you are visiting in any way, consult the embassy or consulate of those countries beforehand.
> It is also advisable to get a thorough check up done before traveling.
> People with some restrictive food diet .: Diabetic, gastric patients etc. must carry some food items like fruits etc. Although, food and perishable items are not always allowed during flight travel.
> During take-off and landing, the cabin pressure changes which may cause ear blocking and ear pain. This may be relieved by chewing gum, or by opening your mouth widely as if you were yawning. Carry candies to chew and some cotton balls to stuff your ears, as it is not provided in most of the international flights.
> If you are traveling with a severe cold, then this pain will get worse. In such case carry some nasal drops, or medicine for cold. Consult a doctor, in case you have a problem.
> Some people have problems like vomiting sensation, nausea, dizziness, pain in ears etc. Hence ask your doctor about the required medicines, prior to traveling.
Wednesday, December 31, 2008
Ten tips For Decide Buying Travel Insurance
The following tips can help you determine what kind of travel coverage, if any, is right for you.
1. Familiarize yourself with what’s out there. Travel insurance can include trip cancellation, trip interruption, accidental death or dismemberment, medical and dental care, transportation to medical facilities, loss of luggage or personal possessions and protection against the bankruptcy or default of your cruise line or tour operator.
2. Determine whether you’re already covered. Many homeowners’ and renters’ policies provide coverage for theft and other losses away from home. Your medical and auto insurance may be valid in other countries. Your life insurance policy should cover you and your family while you travel. And airlines must reimburse you if they lose your bags.
3. Remember your credit cards and auto club membership. Check to see what travel protection you have from those little plastic cards in your wallet. The American Express Platinum Card is especially good about giving generous accidental death and dismemberment coverage, insurance for car rental loss and damage, and extra lost baggage protection.
4. Buy through a third-party insurer. Travel agents, tour operators and cruise lines sell travel insurance, but your safest bet is to obtain coverage through an established insurance company. This way your coverage won’t go up in smoke if your travel company goes bankrupt. You can compare rates at InsureMyTrip.com.
5. Ask the right questions. As you shop around, ask insurers: What disasters are covered? What restrictions apply? What type of assistance does the insurance company give in the event of a medical emergency or other serious problem? How does the reimbursement get determined?
6. Know the drill with trip-cancellation coverage. Here’s the biggest reason you may not need it: Even in the case of natural disasters and other dramatic events beyond a travel provider’s control, you’re likely to get a refund if your trip gets completely canceled on you.
7. Avoid flight insurance sold in vending machines. Have you ever spotted such offers in airports? They’re situated there to play on people’s fear of flying, but remember: The least expensive way to insure your life is through a term life insurance policy, which you may already have. And your credit card may provide such coverage as well.
8. Understand cancellation waivers. Many cruise and tour operators offer these waivers for about $40 to $60 as coverage in case you have to cancel your trip. While the waivers provide some protection, they often have many restrictions and are not regulated.
9. Consider extra coverage. If you must travel with expensive electronic equipment, sporting gear or jewelry, you could consider a floater for your existing homeowners’ or renters’ policy. This could be a relatively low-cost way to insure those items.
10. Recognize the value of emergency medical assistance coverage. This would cover you if you must be airlifted off a mountain, receive prolonged treatment in a foreign hospital or be flown home because of serious sickness or injury. Before you buy, find out whether your health insurer would cover you overseas and pay for your flight home if an emergency strikes. If you have Medicare, this coverage could be valuable because you’re probably not covered outside the United States.
1. Familiarize yourself with what’s out there. Travel insurance can include trip cancellation, trip interruption, accidental death or dismemberment, medical and dental care, transportation to medical facilities, loss of luggage or personal possessions and protection against the bankruptcy or default of your cruise line or tour operator.
2. Determine whether you’re already covered. Many homeowners’ and renters’ policies provide coverage for theft and other losses away from home. Your medical and auto insurance may be valid in other countries. Your life insurance policy should cover you and your family while you travel. And airlines must reimburse you if they lose your bags.
3. Remember your credit cards and auto club membership. Check to see what travel protection you have from those little plastic cards in your wallet. The American Express Platinum Card is especially good about giving generous accidental death and dismemberment coverage, insurance for car rental loss and damage, and extra lost baggage protection.
4. Buy through a third-party insurer. Travel agents, tour operators and cruise lines sell travel insurance, but your safest bet is to obtain coverage through an established insurance company. This way your coverage won’t go up in smoke if your travel company goes bankrupt. You can compare rates at InsureMyTrip.com.
5. Ask the right questions. As you shop around, ask insurers: What disasters are covered? What restrictions apply? What type of assistance does the insurance company give in the event of a medical emergency or other serious problem? How does the reimbursement get determined?
6. Know the drill with trip-cancellation coverage. Here’s the biggest reason you may not need it: Even in the case of natural disasters and other dramatic events beyond a travel provider’s control, you’re likely to get a refund if your trip gets completely canceled on you.
7. Avoid flight insurance sold in vending machines. Have you ever spotted such offers in airports? They’re situated there to play on people’s fear of flying, but remember: The least expensive way to insure your life is through a term life insurance policy, which you may already have. And your credit card may provide such coverage as well.
8. Understand cancellation waivers. Many cruise and tour operators offer these waivers for about $40 to $60 as coverage in case you have to cancel your trip. While the waivers provide some protection, they often have many restrictions and are not regulated.
9. Consider extra coverage. If you must travel with expensive electronic equipment, sporting gear or jewelry, you could consider a floater for your existing homeowners’ or renters’ policy. This could be a relatively low-cost way to insure those items.
10. Recognize the value of emergency medical assistance coverage. This would cover you if you must be airlifted off a mountain, receive prolonged treatment in a foreign hospital or be flown home because of serious sickness or injury. Before you buy, find out whether your health insurer would cover you overseas and pay for your flight home if an emergency strikes. If you have Medicare, this coverage could be valuable because you’re probably not covered outside the United States.
Monday, April 21, 2008
Travel Insurance & Terrorism
Travel Insurance & Terrorism
For many years there has been a blanket exclusion by the insurance companies to cover any terrorist related risks on their policies. Now, a number of travel insurance companies have removed some of the restrictions on their insurance in this area.
Both Travelinsurance.ie (for Irish residents) and Travel Insurance Direct (UK & Irish residents) both offer cover for a number if terrorist related risks. You can find full details on their web sites:
www.travelcover.ie
www.travel-insurance.net
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