Travel Them » worldwide travel insurance http://www.travelthem.com Spend Some Time On Travel Mon, 19 Sep 2011 12:03:53 +0000 en hourly 1 http://wordpress.org/?v=3.2.1 Travel Medical Insurance – Travel Plus Trip Cancellation Insurance http://www.travelthem.com/travel-medical-insurance-travel-plus-trip-cancellation-insurance/ http://www.travelthem.com/travel-medical-insurance-travel-plus-trip-cancellation-insurance/#comments Fri, 09 Oct 2009 01:48:34 +0000 Ray Sondeo http://www.travelthem.com/?p=1586 by Ray Sondeo

No doubt travel is a great pleasure and a passion with many. But if you are caught in a problem, that is enough to bring down all your spirits. And the problems could be anything – ranging from flight delays to baggage loss to trip cancellation to medical challenges. It could be anything that could spoil the entire trip.

In cases like those, what should have been a great experience turns really sour, and the whole effort is wasted. However, the fact is that all of these can be simply taken care of by a travel plus trip cancellation insurance policy, and most of the people traveling abroad don’t realize that. For most of the travelers, insurance just is in case of flight accidents or some other seriously untoward happenings!

The Travel Plus Insurance policy covers medical evacuation or repatriation, damage of you rental vehicle too! It also covers delay or cancellation of the flights, baggage loss, concierge services and travel assistance too. This is one comprehensive insurance policy which covers both medical as well as travel insurance making things very easy for visitors.

The travel medical insurance has a lot to offer to the policy holders in terms of both medical as well as travel coverage. One has to purchase this coverage within 21 days of paying the trip deposit so that they are benefited with the coverage for pre existing conditions too.

This Travel Plus Insurances seems to come really of use if you are on a long trip because nobody knows what could go wrong at a given point in time. There have been numerous instances where people had to cancel their trip or advance their entire itinerary due to some unforeseen incidents. The TravelPlus Insurance makes your trip enjoyable and all you have to do is shell out a few dollars per year.

If you are having plans to go abroad for a holiday do not let petty things mar your spirits and ward it off with the Travelex Travel Plus trip insurance policy.

Possibly this is the best combination one could ask for as it gives total protection to one?s travel plan and also offers emergency medical coverage and assistance.

Few dollars is right, as the policies start from just a few dollars per year! Travelex Travel Plus trip cancellation insurance will take care of that.

About the Author:
Ray Sondeo often writes about travel insurance.

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]]> http://www.travelthem.com/travel-medical-insurance-travel-plus-trip-cancellation-insurance/feed/ 0 Travel Health Insurance – Patriot Travel Plan http://www.travelthem.com/travel-health-insurance-patriot-travel-plan/ http://www.travelthem.com/travel-health-insurance-patriot-travel-plan/#comments Fri, 28 Aug 2009 02:10:45 +0000 Ray Sondeo http://www.travelthem.com/?p=1320 by Ray Sondeo

Patriot Trip – Travel insurance comes into use if the pre-planned trip gets canceled in the middle due to unforeseen circumstances. This popular trip cancellation insurance plan covers a wide range of benefits like expenses incurred for advance booking of travel and other reservations during the trip, emergency reunion, personal baggage loss, repatriation of mortal remains, travel delays, emergency evacuation and medical expenses incurred including any requirement for dental surgeries due to an accident during the trip.

The patriot trip insurance plan can be purchased if you are planning a vacation, especially in a group or with a family. In case the trip gets canceled, you can recover the un-utilized payments or deposits which are non-refundable.

To be eligible for this travel health insurance policy which includes trip cancellation coverage benefits, the minimum cost incurred by the traveler for the trip should be $500, the destination should be at least 120 miles away from the point of start and the duration of travel should not exceed 30 consecutive days.

Once the completed application form is submitted by the traveler along with the necessary payment, the trip cancellation benefit becomes effective from midnight. The travel medical insurance policy becomes valid right from the date you depart for the travel.

The Patriot Trip – Travel insurance would end upon the date of return of the insured from the trip, or the planned return date in case of no interruption or cancellation, or end of coverage period as indicated in the policy or cancellation of the planned trip that is covered (whichever is earliest).

The Patriot Trip – Travel medical insurance plan offers full refund of charges if the travel insurance policy certificate is returned within 10 days of receipt and the insured has not departed for travel within these 10 days and no claims have been made so far under the purchased insurance plan.

The premium rates of this patriot travel insurance plan may vary and is calculated based on certain factors like cost of the trip in addition to the age of the individual applying for the insurance and the travelers accompanying this insured.

The pre-existing medical conditions are waived off for travelers who are less than 70 years old and have purchased this travel medical insurance plan within 14 days of paying the initial deposit to the travel agent. In addition, the insured individuals should be declared medically fit to travel on the date of applying for the Patriot Trip – Travel medical insurance plan.

About the Author:
Ray Sondeo often writes about travel insurance.

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]]> http://www.travelthem.com/travel-health-insurance-patriot-travel-plan/feed/ 1 Claim Settlements For Travel Insurance http://www.travelthem.com/claim-settlements-for-travel-insurance/ http://www.travelthem.com/claim-settlements-for-travel-insurance/#comments Thu, 09 Jul 2009 05:44:02 +0000 Ray Sondeo http://www.travelthem.com/?p=992 travel medical insurance.]]> by Ray Sondeo

Travel insurance coverage is a very vital aspect especially during a trip abroad. The internet is filled with many feedback’s from customers as to how they have been benefited by the travel insurance online.

One such case was a non-resident individual who had purchased a medical insurance policy for his parents visiting USA. Incidentally, his father had a heart attack during his short stay and it cost a lot to treat him. The fact that his father had been covered by insurance was a huge relief. Otherwise, this would have only unnecessarily added to the mental trauma that already the family was going through. The final bill crossed above one lakh dollars but since the victim was covered by the insurance company, the bills were directly sent to the insurance provider for payment. The cost of prescription drugs was initially paid by the individual but later, he filed the claims with the necessary documents and got the reimbursement at a later date. This is one such classic experience which highlights the importance of covering oneself with a travel insurance plan while going abroad.

Most of the insurance companies provide round the clock assistance in case of emergencies. There are various testimonials spread on the web of customers who received timely help from insurance companies during various critical circumstances like illnesses, evacuation, baggage loss, surgeries, prescription drug charges and doctor consultation fees.

Claims have been paid in the past when customers had to cancel the trip due to unavoidable and unforeseen circumstances and advance their trip to their native land.

Many testimonials have been presented where travellers have been benefited by the travelers medical insurance coverage during adventurous sports like skiing and mountaineering. Broken bones, injuries, tears are quite common in these cases and treating them would be very expensive in case you are not covered by an appropriate plan.

While submitting claims, you are asked to provide some documents for processing. The most commonly required documentation includes insurance plan number, travel dates, travel agency number, booking or reservation slip and age proof.

In addition, based on the purpose of your claim, additional proof is required. Your insurance company would help you to gather the necessary proofs for submitting claims.

Always keep the invoices, tickets, bills and any other relevant travel document proofs safely as it may help you to provide adequate proof while submitting your claim form.

About the Author:
Ray Sondeo often writes about travel insurance.

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]]> http://www.travelthem.com/claim-settlements-for-travel-insurance/feed/ 0 What Does Medical Insurance for Travel Policy Cover http://www.travelthem.com/what-does-medical-insurance-for-travel-policy-cover/ http://www.travelthem.com/what-does-medical-insurance-for-travel-policy-cover/#comments Thu, 11 Jun 2009 02:31:13 +0000 Ray Sondeo http://www.travelthem.com/?p=886 by Ray Sondeo

We all have to travel, either for business or for pleasure. Whatever may be the purpose, we expose ourselves to a lot of risks while traveling. We all feel that we are quite healthy. However, accidents don?t come with warnings. Travel insurance can make a big difference simply by covering the various unforeseen expenses you incur during your travel.

It is always advisable that you keep yourself protected instead of crying later over spilt milk. Spending on your travel medical insurance might seem like an added financial burden. But consider this fact that when you have secured your future against unexpected losses you will be able to enjoy your travel a lot better.

Have you ever thought how much can be your hospital bill if get admitted for one night? Over $2500!! Have you ever considered how much a heart surgery can cost you? Over $100,000!!Don?t you think it is much better to invest in a medical insurance instead?

Expenses such as ambulance cost, loss of baggage or other personal belongings, personal accident, hospitalization, home burglary, etc. are all covered under travel insurance. However, travelers? medical insurance would be extended only during medical emergencies. Therefore, it is recommended to choose a policy which will provide you with maximum coverage against your expenses.

The amount of medical coverage allowed by the travel insurance companies varies widely. While young people are allowed policies which are nearly of $500,000, older people are generally allowed to purchase policies ranging between $50,000 and $100,000. Most of the insurance companies offer a comparison tool especially designed for the older people. The advantage of this tool is that you will be able to pick the best buy.

Some medical insurance for travel give fixed benefit and do not cover all your expenses. With each type of policy you will face some kind of limitation. Suppose you have purchased a policy of $100K, then you will get a maximum cover of about $20K, for a personal accident. However, for a mere dental expense your policy of $100K will provide you a cover of $500. The exact coverage varies from company to company. Any expense that you incur above the ceiling has to be borne by yourself.

It is important to know that for certain expenses there are a deductible which is levied. The deductible is basically a fixed amount which is pre-determined by an agreement between yourself and your travel insurance company at the time of purchasing the policy. You will have to pay this amount towards your medical expenses before your travel insurance company starts covering you. Generally the lower the premium amount the higher is the deductible you have to pay.

However, travelers medical insurance is not just about medical expenses. The coverage also includes expenses related to medical evacuation, repatriation costs, loss of baggage or other personal belongings, cancelled or delayed flights etc. With all these impending expenses, it’s easy to perceive why a comprehensive travel insurance policy is highly recommended.

About the Author:
Ray Sondeo often writes about travel insurance.

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]]> http://www.travelthem.com/what-does-medical-insurance-for-travel-policy-cover/feed/ 0 Finding the Best Travel Insurance Providers http://www.travelthem.com/finding-the-best-travel-insurance-providers/ http://www.travelthem.com/finding-the-best-travel-insurance-providers/#comments Mon, 01 Jun 2009 03:28:59 +0000 Ray Sondeo http://www.travelthem.com/?p=818 by Ray sondeo

As an international traveler, it is very important to avail travel medical insurance to cover important travel risks like baggage loss, theft of cash or ATM card, evacuation or medical emergencies and many other travel risks which would put you into a lot of risk. It is very important that you choose a credible insurance provider among the vast choices available in the insurance segment.

Most of the travelers carry wrong assumptions that the medical insurance for travel can be availed only from travel agencies. The fact is that you have other sources apart from these agencies to purchase a suitable plan. Most of these policies and their benefits can be found online.

There is no big advantage while you buy travel insurance from a travel agent, except that you can include the insurance premium along with the purchase of the flight ticket. But you may not be well informed about the choices of insurance plans and their benefits when you approach these agencies. If you contact an experienced insurance agent, he would be able to explain the different policies and coverage options for you to choose from.

It is even more advisable in the current scenario to search for a suitable insurance provider online. You can request for a free quote based on certain criteria and compare the policy benefits with just a few mouse clicks rather than moving from one insurance office to another.

Many insurance companies get their policies underwritten from some of the leading insurance carriers. One of the reliable company ratings for the travel medical insurance plans is provided by the A.M. Best Company. These ratings are also provided for insurance companies that underwrite travel insurance plans. The websites which allow you to compare the different travel insurance policies also list the AM rating which provides information about the financial stability and reliability of the company.

Some of the popular examples of insurance carriers who underwrite the travel insurance plan plans include AIG, Lloyd?s and Nationwide. These companies use their vast experience and come up with very innovative and useful travel insurance products. The policies may differ depending on various factors like hospitalization benefits, prescription drug coverage, maximum medical coverage, direct billing, and evacuation limits.

The criteria for finalizing on an insurance plan differ from person to person. For example, some person may choose an insurance policy based on maximum medical coverage, direct billing, travel insurance type and evacuation. Most importantly, ensure that the policy suits your coverage requirements. You need to perform adequate research online by comparing the benefits offered by various providers. This would also help you to choose a suitable insurance provider.

A peaceful travel is very important while you plan a trip. You need to choose a suitable travel insurance policy and a reputed insurance provider who could provide you a beneficial coverage to secure yourself appropriately before you travel overseas.

About the Author:
Ray Sondeo often writes about health and travel insurance.

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