There was a story about an Australian living and working in Thailand who accidentally let his travel medical insurance lapse. One morning, he woke up urinating blood, but when he went to the hospital, they sent him home with urinary infection diagnosis. Few days later he returned to the hospital after losing consciousness, admitted into…
BEFORE PURCHASING If you have any pre-existing medical conditions, then the rules for acquiring travel insurance are altered. In terms of statistics, any medical history could mean that you provide a greater risk for the insurance company, and they will need to do some detailed checks to find out if they can indeed provide cover…
Even though you may have purchased a complete travel insurance package, it is still important to make sure that you take care of your possessions and personal safety. After all, while an insurance policy may pay for a new digital camera it can’t replace the photographs you lose. And though your medical care may be…
Cruise travel insurance is a travel insurance package plan that focuses on cruise-specific concerns such as medical emergencies at sea, emergency evacuations from the ship, missed connections, and more. Cruise travelers are among the largest users of travel insurance because of the unique risks of cruise trips. What does a GOOD cruise travel insurance cover?…
Healthcare is perhaps the most confusing area in purchasing travel insurance. Most people think they are covered if they already have existing health care insurance. Within the United States, that’s true. Outside the U.S., however, is a big IF. And in some cases, your insurance won’t even cover you if you’re travelling on a foreign-flagged…
Whether it’s your trip, your possessions, your luggage, or your health, travel insurance — and most important, the right kind of travel insurance — has become an essential item to pack for smart travellers. And if you don’t buy travel insurance — or the right kind — more than your trip could be ruined. Statistics…
When booking your travel insurance, ask yourself: 1. Are you booking the recommended level of cover for your destination? 2. Are you covered for unlimited medical expenses, including repatriation to Australia? 3. Have you declared any pre-existing medical conditions? 4. What is the excess on the policy? 5. Are you aware of any exclusion on…
Before buying a special medical insurance policy for your travel, check with your medical insurer — you might already be covered by your existing health plan. Ask about benefit caps and deductibles (if any), and have them guide you through the procedure. Generally, your expenses are out-of-pocket, and you bring home documentation to be reimbursed….
Most of us would choose to take the easy option and buy the travel insurance package offered by our tour operator, or from airline website as a part of our package deal. DO NOT fall into this common mistake. Not only do you risk spending over the odds if you do it this way, but…