Author: Dave Kearsley
Source: articledashboard.com
According to research carried out by GfK NOP during the period 12-14th May 2006 over 4 million people have canceled their holidays in the last three years.The research, carried out on behalf of Sainsbury's travel insurance revealed every year, travel advice foreign office
, many would be tourists are forced to cancel their long awaited annual vacation due to unforeseen circumstances.Unfortunately since around 13% (1) of holiday makers fail to take out holiday insurance many will be unable to recoup the cost of these canceled pre-paid holidays. To make matters worse many leave purchasing holiday insurance until closer to the departure date and are therefore not covered for this pre-trip problem.The Sainsbury's travel insurance report highlights the top reasons why people cancel their annual vacations. Top of the list being sickness of a relative/friend closely followed be sickness to the policy holder themselves. Other reasons included for canceling a holiday are work related issues, natural disasters, relationship breakdowns, wedding, Christening's,, travel advice foreign office
, funerals and the fear or occurrence of a terrorist attack.Sainsbury's Bank travel insurance has been voted a Best Buy for the last six years. They offer single trip travel insurance, multi-trip travel insurance and family travel insurance.Good travel insurance cover not only covers the insured against the possibility of having to cancel a trip but also offers insurance cover against many other possible problems. When considering the purchase of a travel insurance policy you should check to see if cover is offered for the following;- Cancellation, curtailment, medical and repatriation expenses, hospital benefit, personal accident, baggage, delayed baggage, personal cash, loss of passport or documents, missed departure, travel delay, mugging, legal expenses, personal liability and loss of hotel facilities.Depending on the type of trip you are planning, you may wish to check if your provider can offer optional extras such as; - sports equipment, avalanche closure, winter sports cover or even a wedding cover extension.The UK's Foreign and Commonwealth Office's "Know Before You Go" campaign was started to do all it can to help British travelers stay safe on holiday. Before you go overseas, check out the FCO website. It is packed with essential travel advice and tips, and up-to-date country-specific information alternatively call 0845 850 2829 (assuming caller is in the UK).(1) According to research by TNS during 11-13th November 2005.
Tampilkan postingan dengan label travel insurance. Tampilkan semua postingan
Tampilkan postingan dengan label travel insurance. Tampilkan semua postingan
Minggu, 09 Februari 2020
Ten Top Travel Tips
Author: Caroline Poynton
Source: articledashboard.com
For the modern traveller, the world is your oyster. Okay, maybe you're not prioritising a summer visit to currently war-torn countries such as Afghanistan, Lebanon, Iraq or Sudan. Likewise, tales of drug-trafficking, kidnapping and armed muggings might put you off a two-week sojourn in Venezuela or Colombia. But perhaps you are considering something a little more off the beaten track - a holiday that will test your nerves a little, or that will embed you in a completely different culture or environment?
Many a modern traveller now explores further afield, with Australasia, South America, Asia and Africa proving very popular for those with an adventurous spirit (who don't mind long plane journeys). But for any such trips,, foreign office travel advice , there are known - and unknown - dangers that you may want to research, foreign office travel advice , before you leave. Visit Australia and you'll probably be bombarded by people listing its dangerous creatures - box jellyfish, crocodiles, redback spiders, taipan snakes, sharks, and so on - together with a litany of tales surrounding those backpackers who never came back... But go to 'safe as houses,, foreign office travel advice , no dangerous animals/plants here' New Zealand and you may not realise that its capital city, Wellington,, foreign office travel advice , sits on a major earthquake fault line that is well overdue a 'big one'!
Indeed, in a Norwich Union survey of last year, several places were highlighted as potential danger areas, including Thailand, Mexico and South Africa, where illness, accidents and crime are common. Again, not terribly surprising, perhaps, but did you know that travellers to Mexico made the most number of claims to the insurance company for overexposure to the sun? Probably not.
The findings also mentioned the Caribbean as the worst area for travellers to suffer insect bites and stings, and even Spain and the Canaries hit the list, for possible robberies and pick pocketing.
Even if you deal with all the insects, robbers, earthquakes, illnesses, hungry sharks and venomous snakes, you may still get in your car and crash. In fact, the most likely way for holidaymakers to meet misfortune is on the road, with 15 million people a year injured worldwide in traffic-related accidents, foreign office travel advice , . Remember that terrifying taxi journey on the way to your hotel last year? Yes, most of us can recall at least one terrifying car journey in our search for that holiday magic.
But don't worry, BeatThatQuote.com is here to help address all your holiday concerns (both those that you knew about as well as the ones we've just got you worried about). With these travel tips, you can be sure you're making the right preparations for a safe and happy trip, no matter how adventurous you are feeling:
1. The Foreign & Commonwealth Office website is a great source of information on safe/dangerous destinations, as well as general travel advice. Well worth a look if you're planning to backpack round the world. 2. Do not forget or skimp on your travel insurance. Get travel insurance, foreign office travel advice , and check that the cover is appropriate for your destination and planned activities abroad. Also ensure it covers any health issues you might have. According to recent research, 15% of British people risk going abroad without any kind of travel insurance - considering an air ambulance from the east coast of the US might set you back ฃ30,000, it is really a risk you don't want to take. 3. If you are planning to hire a car or you are taking your car with you, check you are covered for accidents and/or breakdowns. Don't assume your UK car insurance will cover you for driving overseas - it might not protect you for anything more than road traffic accidents. 4. Check what vaccinations you need at least six weeks before you go and consider whether you need to take extra health precautions. Ensure you have sufficient medical insurance cover for your chosen destination, especially if you have any pre-existing health, foreign office travel advice , conditions. 5. You will probably be leaving your home empty while you are away - ensure you have got/renewed your home insurance in the event, foreign office travel advice , of anything happening while, foreign office travel advice , you holiday. Also consider asking a neighbour to pop in/water the plants every now and again to ensure your house looks occupied. 6. Get a good guidebook and get to know your destination. Find out about local laws and customs. 7. Make sure you take all documentation with you, including your passport, necessary visas, and insurance documents. Make copies and store separately just in case you lose anything. 8. Check your bank cards. Do you know how much you will be charged for using your cards abroad? It might also be worth telling your bank or credit card provider about your trip. With fraud on the rise, some card providers/banks will stop your card if they see unusual/unexpected spending. A phonecall will remedy this situation but it's just another holiday 'downer' you can avoid. 9. Take enough money for your trip and some back-up funds, for example, travellers cheques, sterling or US dollars. 10. And if you're going for a long trip of several months or more, just don't forget your responsibilities at home, including your mortgage. Budget carefully and ensure you can cover all your payments both at home and abroad.
Once you have done all of this, all you need do is pack your bags and go. It might be a scary world out there, but with a bit of forethought, there's a whole lot of opportunity for adventure too. Have fun!
Source: articledashboard.com
For the modern traveller, the world is your oyster. Okay, maybe you're not prioritising a summer visit to currently war-torn countries such as Afghanistan, Lebanon, Iraq or Sudan. Likewise, tales of drug-trafficking, kidnapping and armed muggings might put you off a two-week sojourn in Venezuela or Colombia. But perhaps you are considering something a little more off the beaten track - a holiday that will test your nerves a little, or that will embed you in a completely different culture or environment?
Many a modern traveller now explores further afield, with Australasia, South America, Asia and Africa proving very popular for those with an adventurous spirit (who don't mind long plane journeys). But for any such trips,, foreign office travel advice , there are known - and unknown - dangers that you may want to research, foreign office travel advice , before you leave. Visit Australia and you'll probably be bombarded by people listing its dangerous creatures - box jellyfish, crocodiles, redback spiders, taipan snakes, sharks, and so on - together with a litany of tales surrounding those backpackers who never came back... But go to 'safe as houses,, foreign office travel advice , no dangerous animals/plants here' New Zealand and you may not realise that its capital city, Wellington,, foreign office travel advice , sits on a major earthquake fault line that is well overdue a 'big one'!
Indeed, in a Norwich Union survey of last year, several places were highlighted as potential danger areas, including Thailand, Mexico and South Africa, where illness, accidents and crime are common. Again, not terribly surprising, perhaps, but did you know that travellers to Mexico made the most number of claims to the insurance company for overexposure to the sun? Probably not.
The findings also mentioned the Caribbean as the worst area for travellers to suffer insect bites and stings, and even Spain and the Canaries hit the list, for possible robberies and pick pocketing.
Even if you deal with all the insects, robbers, earthquakes, illnesses, hungry sharks and venomous snakes, you may still get in your car and crash. In fact, the most likely way for holidaymakers to meet misfortune is on the road, with 15 million people a year injured worldwide in traffic-related accidents, foreign office travel advice , . Remember that terrifying taxi journey on the way to your hotel last year? Yes, most of us can recall at least one terrifying car journey in our search for that holiday magic.
But don't worry, BeatThatQuote.com is here to help address all your holiday concerns (both those that you knew about as well as the ones we've just got you worried about). With these travel tips, you can be sure you're making the right preparations for a safe and happy trip, no matter how adventurous you are feeling:
1. The Foreign & Commonwealth Office website is a great source of information on safe/dangerous destinations, as well as general travel advice. Well worth a look if you're planning to backpack round the world. 2. Do not forget or skimp on your travel insurance. Get travel insurance, foreign office travel advice , and check that the cover is appropriate for your destination and planned activities abroad. Also ensure it covers any health issues you might have. According to recent research, 15% of British people risk going abroad without any kind of travel insurance - considering an air ambulance from the east coast of the US might set you back ฃ30,000, it is really a risk you don't want to take. 3. If you are planning to hire a car or you are taking your car with you, check you are covered for accidents and/or breakdowns. Don't assume your UK car insurance will cover you for driving overseas - it might not protect you for anything more than road traffic accidents. 4. Check what vaccinations you need at least six weeks before you go and consider whether you need to take extra health precautions. Ensure you have sufficient medical insurance cover for your chosen destination, especially if you have any pre-existing health, foreign office travel advice , conditions. 5. You will probably be leaving your home empty while you are away - ensure you have got/renewed your home insurance in the event, foreign office travel advice , of anything happening while, foreign office travel advice , you holiday. Also consider asking a neighbour to pop in/water the plants every now and again to ensure your house looks occupied. 6. Get a good guidebook and get to know your destination. Find out about local laws and customs. 7. Make sure you take all documentation with you, including your passport, necessary visas, and insurance documents. Make copies and store separately just in case you lose anything. 8. Check your bank cards. Do you know how much you will be charged for using your cards abroad? It might also be worth telling your bank or credit card provider about your trip. With fraud on the rise, some card providers/banks will stop your card if they see unusual/unexpected spending. A phonecall will remedy this situation but it's just another holiday 'downer' you can avoid. 9. Take enough money for your trip and some back-up funds, for example, travellers cheques, sterling or US dollars. 10. And if you're going for a long trip of several months or more, just don't forget your responsibilities at home, including your mortgage. Budget carefully and ensure you can cover all your payments both at home and abroad.
Once you have done all of this, all you need do is pack your bags and go. It might be a scary world out there, but with a bit of forethought, there's a whole lot of opportunity for adventure too. Have fun!
Planning Your First Cruise
Author: Smith Chen
Source: articledashboard.com
Planning your first holiday especially on a cruise liner is always a challenge. You could get together with your family and friends and discuss your travel and vacation plans so as to get a better idea of what needs to be done. The best way is to book with a travel agent who will not only advice you on which cruise liner and destination you should be going to but also plan your entire itinerary including air travel to the port of embarkation. But before you proceed, let's first answer some questions that are bound to pop up while planning your cruise.
What kind of cruise is suitable for your age group?
Typically, there are different kinds of cruises suitable for different age groups. You will find a cruise designed for all individuals, from the toddler to the teen to the retired. All you need to decide in who is going and then select the cruise best suited for you. There are fun-filled holiday cruises for the family,, advice alaska travel , singles, newly-weds, advice alaska travel , and even for the slightly older and matured.
What kind of budget are you on?
Typically, the minimum cost of per person per day is about, advice alaska travel , $100 on an average cruise liner. Many ships charge extra for certain items and of course air-fare is not included in this. You can decrease the cost somewhat by sharing the cabin with another person, booking way in advance, like almost six months prior, or taking a risk and booking late, less than two months prior to, advice alaska travel , departure.
How many days can you spend on your cruise?
If you have less than a week, then the options would be closer to home and restricted to Mexico, Bahamas or simply a weekend cruise to a port in the ocean and back. A complete week gives you more time and options range from the Caribbean, Europe, Hawaii, Alaska and even the South Pacific, depending on of course your current residential location. Anything longer than that would be suitable for any kind of cruise vacation across the globe.
When would you be most likely to travel?
Obviously, cruise tickets are cheaper in leaner times like spring or fall and most expensive during the summer holidays, advice alaska travel , . Winter is also considered high season when travelling to warmer locations like the Caribbean. Some locations like Alaska, Scandinavia and the Baltic have a shorter cruising season and will be open only between May and September. While Antarctic cruises are on between November and February, Mediterranean cruises can be taken all year round.
Where would you like to go?
With the earth being covered with 75% ocean, cruise ships today can reach any of the continents and traverse all across the globe. From the Americas to Austral-Asia, Africa to Antarctica, Bahamas to Bermuda, Europe to Canada, there are plenty of cruise destinations to choose from. Even land locked locations such as central Europe, Russia, or the Yangtze River in China can be reached on a river cruise. Always a challenge to decide your destination, it is important to keep all other factors like type of cruise, budget, length of vacation among others in mind.
What are your interests?
Although cruises provide all kinds of on board activities, your destination should be based on your interest. While European tours offer a good dose of culture for the history buffs, tropical destinations like the Caribbean and the South Pacific, advice alaska travel , are for the beach, advice alaska travel , lovers. Whether it is glacier watching in Alaska, deep sea diving in Australia or experiencing the fjords in Norway, you have to decide what you like to do best before you choose your cruise destination. Many cruises also offer a list of off-shore activities before you book, so make sure that you are well researched on that as well.
What kind of accommodation would you prefer?
Cabin selection typically depends on what your budget is. Sea view cabins are obviously more expensive than the lower deck ones. Also, if you are travelling to scenic places like Alaska or Scandinavia it would be preferable to have a view. Deck plans are available in hard copy, so make your decision after doing your homework and, advice alaska travel , planning your budget.
What are your dress styles and, advice alaska travel , eating habits?
In a move away from only formal wear, most cruise ships today are more relaxed and have only one or two nights of dress-up nights. The rest of the time, it is usually casual or country club style dressing. Typically there are two seating arrangements for dinner, one starting at 6:30pm and the other starting at 9:00pm. While early seating allows you plenty of time for late shows, it may rush your off shore excursions. Late seating on the other hand gives you time to relax but may hamper your late evening activities. Also, table seating is usually for four to eight persons and very rarely, advice alaska travel , for two. If you do want a dinner for the twosome, you will have to make a prior request.
How do you get to the cruise ship?
Flying there or driving down if its close by are two of the most preferred options. Sometimes the cruise lines offer you a fly-cruise package, which is easier, but may be a trifle expensive than independent booking. These include transfers between, advice alaska travel , the ship and the airport, which can again add up to the cost.
What are the documents needed?
Cruise vouchers and travel itineraries should typically reach you 2-3 weeks prior to your departure. Travel insurance is not mandatory but strongly advised as a carry along document in case of any mishaps. Passports are needed for all international destinations.
Source: articledashboard.com
Planning your first holiday especially on a cruise liner is always a challenge. You could get together with your family and friends and discuss your travel and vacation plans so as to get a better idea of what needs to be done. The best way is to book with a travel agent who will not only advice you on which cruise liner and destination you should be going to but also plan your entire itinerary including air travel to the port of embarkation. But before you proceed, let's first answer some questions that are bound to pop up while planning your cruise.
What kind of cruise is suitable for your age group?
Typically, there are different kinds of cruises suitable for different age groups. You will find a cruise designed for all individuals, from the toddler to the teen to the retired. All you need to decide in who is going and then select the cruise best suited for you. There are fun-filled holiday cruises for the family,, advice alaska travel , singles, newly-weds, advice alaska travel , and even for the slightly older and matured.
What kind of budget are you on?
Typically, the minimum cost of per person per day is about, advice alaska travel , $100 on an average cruise liner. Many ships charge extra for certain items and of course air-fare is not included in this. You can decrease the cost somewhat by sharing the cabin with another person, booking way in advance, like almost six months prior, or taking a risk and booking late, less than two months prior to, advice alaska travel , departure.
How many days can you spend on your cruise?
If you have less than a week, then the options would be closer to home and restricted to Mexico, Bahamas or simply a weekend cruise to a port in the ocean and back. A complete week gives you more time and options range from the Caribbean, Europe, Hawaii, Alaska and even the South Pacific, depending on of course your current residential location. Anything longer than that would be suitable for any kind of cruise vacation across the globe.
When would you be most likely to travel?
Obviously, cruise tickets are cheaper in leaner times like spring or fall and most expensive during the summer holidays, advice alaska travel , . Winter is also considered high season when travelling to warmer locations like the Caribbean. Some locations like Alaska, Scandinavia and the Baltic have a shorter cruising season and will be open only between May and September. While Antarctic cruises are on between November and February, Mediterranean cruises can be taken all year round.
Where would you like to go?
With the earth being covered with 75% ocean, cruise ships today can reach any of the continents and traverse all across the globe. From the Americas to Austral-Asia, Africa to Antarctica, Bahamas to Bermuda, Europe to Canada, there are plenty of cruise destinations to choose from. Even land locked locations such as central Europe, Russia, or the Yangtze River in China can be reached on a river cruise. Always a challenge to decide your destination, it is important to keep all other factors like type of cruise, budget, length of vacation among others in mind.
What are your interests?
Although cruises provide all kinds of on board activities, your destination should be based on your interest. While European tours offer a good dose of culture for the history buffs, tropical destinations like the Caribbean and the South Pacific, advice alaska travel , are for the beach, advice alaska travel , lovers. Whether it is glacier watching in Alaska, deep sea diving in Australia or experiencing the fjords in Norway, you have to decide what you like to do best before you choose your cruise destination. Many cruises also offer a list of off-shore activities before you book, so make sure that you are well researched on that as well.
What kind of accommodation would you prefer?
Cabin selection typically depends on what your budget is. Sea view cabins are obviously more expensive than the lower deck ones. Also, if you are travelling to scenic places like Alaska or Scandinavia it would be preferable to have a view. Deck plans are available in hard copy, so make your decision after doing your homework and, advice alaska travel , planning your budget.
What are your dress styles and, advice alaska travel , eating habits?
In a move away from only formal wear, most cruise ships today are more relaxed and have only one or two nights of dress-up nights. The rest of the time, it is usually casual or country club style dressing. Typically there are two seating arrangements for dinner, one starting at 6:30pm and the other starting at 9:00pm. While early seating allows you plenty of time for late shows, it may rush your off shore excursions. Late seating on the other hand gives you time to relax but may hamper your late evening activities. Also, table seating is usually for four to eight persons and very rarely, advice alaska travel , for two. If you do want a dinner for the twosome, you will have to make a prior request.
How do you get to the cruise ship?
Flying there or driving down if its close by are two of the most preferred options. Sometimes the cruise lines offer you a fly-cruise package, which is easier, but may be a trifle expensive than independent booking. These include transfers between, advice alaska travel , the ship and the airport, which can again add up to the cost.
What are the documents needed?
Cruise vouchers and travel itineraries should typically reach you 2-3 weeks prior to your departure. Travel insurance is not mandatory but strongly advised as a carry along document in case of any mishaps. Passports are needed for all international destinations.
Travel Insurance - Bringing You Home
Author: Jim Christian -
Source: articledashboard.com
Overseas travel is one thing that people all over the world aspire to. Whether cruising around the Greek Islands on a luxury yacht, sipping brandy by the fire in a Swiss chalet after a day of skiing; or elephant spotting in Kenya, an overseas trip can be the adventure of a lifetime. Unfortunately, though, it can also be the disaster of a lifetime unless due diligence is carried out prior to setting off.
Along with passports and plane tickets, one of the most important things to remember before, travel advice australia , travelling overseas is to arrange Travel Insurance. Not just any "cheapest-you-can-find",, travel advice australia , travel advice australia , travel insurance, but a policy that will take good care of you should the unforeseen occur.
Types of travel insurance vary from company to company and it is well worth your while to spend some considerable time shopping around before committing to one policy. Remember, what is considered an acceptable risk by one insurer, may be excluded by another. Definitions of terms may also vary.
Take terrorism, for example. Most insurance policies will exclude acts of terrorism from being claimable events, however, the definition of what constitutes a terrorist act can vary between insurers. What one insurer may deem as an act of violence and therefore claimable, another insurer may deem terrorism and deny any claim.
In this age of terrorism threats and war-torn nations, travellers should always heed governmental advice as to whether or not travel to certain regions is recommended. If deciding to travel to a country despite government warnings, it may be difficult to obtain travel insurance at all. If it is obtained, it will probably be very expensive and its cover fairly limited.
It is crucial that you understand exactly what is and isn't excluded from the policy before you sign on the dotted line. Indeed, being, travel advice australia , aware of the exclusions is, arguably, even more important than knowing what is covered. Get clear in your mind the insurer's definition of claimable and non-claimable events., travel advice australia , If at all possible, endeavour to get those definitions in writing.
Get the, travel advice australia , language right. Ask as many questions as it takes to know exactly where you stand. Remember, the only dumb questions are ones that haven't been asked yet and given a voice. If going through a broker or agent, double check with the insurer if uncertain of their answers. It's wise to remember too, that no insurance policy is going to cover you for every single thing that could possibly happen on your holiday. The prudent traveller will ensure, however, that what he or she needs to be covered for will be.
For example, does the policy allow you to participate in "adventure activities"? If you're going bungee jumping in New Zealand or white-water rafting in Canada, make sure your insurer knows about it and will cover you for accidents occurring during such activities.
Is your luggage excluded if left unattended? What does "left unattended", travel advice australia , mean? What if you leave it in a taxi? What if you walk two metres from it to buy a chocolate kafe from a vending machine?
It's a good idea to also familiarise yourself, travel advice australia , with claims procedures before departing so as to avoid the "paper frenzy" in the event of an accident. Some policies have a time limit for reporting claims. In some cases, the incident must be reported to local authorities within twenty-four hours in order to claim.
Be aware too that some countries may not recognise all insurance companies. This could pose a duduk perkara if hospitalisation is required. If the insurer isn't recognised in that country you may not get hospital treatment. Make sure that the insurer has a global reputation.
It's very expensive to be injured overseas. For instance, medical, travel advice australia , evacuation from the United States to Australia can cost anything from $80,000.00 upwards, travel advice australia , . If a stay in hospital is required, the bill could run into hundreds of thousands of dollars. And you thought shopping in Beverly Hills would be fun….
It's also dangerous to be injured overseas, particularly in countries where medical facilities may not be as well equipped as at home. Again, the evacuation costs can run into many thousands of dollars - and no insurance means a lifetime of debt.
Travelling without the right travel insurance is like walking a tightrope without a net. Sure, it can be done, but one tiny slip and it's too late for "If only"s. And chances are, it will be your loved ones at home who will mortgage their houses, cash in their superannuation and face considerable financial hardship in order to bring you back to the fold.
All in all, travel insurance is one thing you should definitely not leave home without!
Source: articledashboard.com
Overseas travel is one thing that people all over the world aspire to. Whether cruising around the Greek Islands on a luxury yacht, sipping brandy by the fire in a Swiss chalet after a day of skiing; or elephant spotting in Kenya, an overseas trip can be the adventure of a lifetime. Unfortunately, though, it can also be the disaster of a lifetime unless due diligence is carried out prior to setting off.
Along with passports and plane tickets, one of the most important things to remember before, travel advice australia , travelling overseas is to arrange Travel Insurance. Not just any "cheapest-you-can-find",, travel advice australia , travel advice australia , travel insurance, but a policy that will take good care of you should the unforeseen occur.
Types of travel insurance vary from company to company and it is well worth your while to spend some considerable time shopping around before committing to one policy. Remember, what is considered an acceptable risk by one insurer, may be excluded by another. Definitions of terms may also vary.
Take terrorism, for example. Most insurance policies will exclude acts of terrorism from being claimable events, however, the definition of what constitutes a terrorist act can vary between insurers. What one insurer may deem as an act of violence and therefore claimable, another insurer may deem terrorism and deny any claim.
In this age of terrorism threats and war-torn nations, travellers should always heed governmental advice as to whether or not travel to certain regions is recommended. If deciding to travel to a country despite government warnings, it may be difficult to obtain travel insurance at all. If it is obtained, it will probably be very expensive and its cover fairly limited.
It is crucial that you understand exactly what is and isn't excluded from the policy before you sign on the dotted line. Indeed, being, travel advice australia , aware of the exclusions is, arguably, even more important than knowing what is covered. Get clear in your mind the insurer's definition of claimable and non-claimable events., travel advice australia , If at all possible, endeavour to get those definitions in writing.
Get the, travel advice australia , language right. Ask as many questions as it takes to know exactly where you stand. Remember, the only dumb questions are ones that haven't been asked yet and given a voice. If going through a broker or agent, double check with the insurer if uncertain of their answers. It's wise to remember too, that no insurance policy is going to cover you for every single thing that could possibly happen on your holiday. The prudent traveller will ensure, however, that what he or she needs to be covered for will be.
For example, does the policy allow you to participate in "adventure activities"? If you're going bungee jumping in New Zealand or white-water rafting in Canada, make sure your insurer knows about it and will cover you for accidents occurring during such activities.
Is your luggage excluded if left unattended? What does "left unattended", travel advice australia , mean? What if you leave it in a taxi? What if you walk two metres from it to buy a chocolate kafe from a vending machine?
It's a good idea to also familiarise yourself, travel advice australia , with claims procedures before departing so as to avoid the "paper frenzy" in the event of an accident. Some policies have a time limit for reporting claims. In some cases, the incident must be reported to local authorities within twenty-four hours in order to claim.
Be aware too that some countries may not recognise all insurance companies. This could pose a duduk perkara if hospitalisation is required. If the insurer isn't recognised in that country you may not get hospital treatment. Make sure that the insurer has a global reputation.
It's very expensive to be injured overseas. For instance, medical, travel advice australia , evacuation from the United States to Australia can cost anything from $80,000.00 upwards, travel advice australia , . If a stay in hospital is required, the bill could run into hundreds of thousands of dollars. And you thought shopping in Beverly Hills would be fun….
It's also dangerous to be injured overseas, particularly in countries where medical facilities may not be as well equipped as at home. Again, the evacuation costs can run into many thousands of dollars - and no insurance means a lifetime of debt.
Travelling without the right travel insurance is like walking a tightrope without a net. Sure, it can be done, but one tiny slip and it's too late for "If only"s. And chances are, it will be your loved ones at home who will mortgage their houses, cash in their superannuation and face considerable financial hardship in order to bring you back to the fold.
All in all, travel insurance is one thing you should definitely not leave home without!
Langganan:
Postingan (Atom)