This is information that you need to know about travel and your need for Travel Insurance today. And why you should always make it a part of your travel expenses especially traveling abroad. The likelihood that something may happen to you while on a trip, is unlikely. However, if even the smallest problem occurs, a fall that breaks an arm or a leg, a car accident, nothing serious but it becomes a big problem when you seek medical attention. Even worse, if someone should die while abroad, is a very serious problem, let alone the paperwork involved. Know this….your U.S. insurance company doesn’t cover you while traveling abroad unless you have travel insurance included in your health insurance policy, and you’ll have to deal with that upon your return home. This is a fact of life today, and you need to be protected when traveling anywhere, especially abroad and even within the US.
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Travel insurance is a necessity especially when traveling to another country, so it is best to automatically consider it a part of your travel expenses. Travel Insurance is inexpensive! When you consider all of the benefits that you get from it, it is a small price to pay for the secure feeling of being protected while traveling. Please review, if you think this cannot happen to you, and then think again!
► What you should know about travel insurance.
► What’s needed, what isn’t needed travel insurance basics.
► Particular types of coverage needed while traveling to another country.
► Insurance coverage types that are a waste of money, and certainly don’t benefit you.
► What if you get sick, break an arm or leg or worse while traveling abroad?
► Free articles on traveling to another country – click for selections.
► What if you do have an emergency situation in a foreign country – you need to know.
► Reasons you need insurance are: a travel mishap, stolen purse/wallet, a major catastrophe including mother nature.
Why You Need Travel Insurance Everywhere Worldwide
Heaven forbid, if the accident is serious, or even a heart attack, and you need to be flown back home immediately for further treatment after being stabilized. Well these things do happen, the odds are low, but can you afford to take that chance? The answer is NO! 2010 was the perfect example of disaster while traveling to and in Europe. The Iceland volcano erupted, and tens of thousands of people were left stranded without a hotel, without transportation in Europe, it was nightmare. Then there were the Europe airline strikes, and European air controller strikes, that again totally throwing travel into a dizzy for people from every country traveling in/out of northern Europe.
There were earthquakes in Japan, totally interrupting travel on the Pacific Rim, and shattering earthquakes twice in Christchurch, New Zealand. Or it can be as simple as a flight being late, and missing your connecting flight, and yes the travel insurance company will
take care of all these flight during your travel until your return home. Weather and mother nature are not ours to control and that is an
unknown factor at any given time that can throw your travel off.
Travel Insurance is a necessity for seniors especially those with pre-existing medical conditions. This is most important, because as we grow older we’re likely to have more health issues is a given, but with that said insurance is needed by everyone, from youths to elders that travel abroad for business, a holiday or school.
You’ll find the best travel insurance packages to suit your needs from single trip coverage for individuals, families or groups, to multi-trip annual travel insurance policies for regular travelers, we offer a range of competitive product options that provides a higher level of travel insurance cover.
What you should know about travel insurance
This is similar in context as ‘what you should know about food’. Well, it’s somewhat complicated in general, but very simple if you know the basics, and in the case of travel insurance — it is a matter of knowing what the travel insurance plan really will do for you — what is and what isn’t covered. That is the single most important equation in buying travel insurance. Our Insurance plans are very reasonably priced, and we have several plans to cover your particular needs.
Realistic scenarios and why you need travel insurance – what does your insurance cover?
1. I’m only going on a high school graduation trip to Europe; I’m young and healthy, I never get sick; and even if I should sprain an ankle — what’s the big deal?
2. I’m only going to Mexico or Canada after all, I’m close enough to home if I have a problem, right?
3. Travel insurance is certainly cheap enough, and it wouldn’t hurt to get it, but I’ll pass this time!
4. You’ve decided that it is a good idea to buy some travel insurance after all, and the travel insurance web site said that you are fully covered for everything! Well, I am covered for everything…right?
5. In 2010 tens of thousands of people are stranded in northern Europe, without hotels, without transportation because of the volcano eruption, are you going to be one of those in 2011?
6. In 2010 proved a record number of airline strikes, and air controller strikes in northern Europe again stranding thousands of people, do you really want to be one of those persons?
Well…the above scenarios may make sense to the person thinking them, and the odds are that you won’t have any problems on your trip to another country [this does include travel to Canada or Mexico from the US]. You’re still thinking in the back of you mind that you really don’t need travel insurance. What are the odds after all – pretty big odds that nothing will occur while your on a trip? Anyway, you have flight insurance!
Well…that’s where you’d better read the fine print and start asking some questions. Because you are not covered for ‘everything with every travel insurance policy! After all, the travel insurance coverage that will or will not cover you, to take care of any type emergency that could arise while on your trip – is for you! So check it out! read on….
More reasons why You Should Buy Travel Insurance . . .
There are hundreds of circumstances that could cause clients to cancel their trip, return home early or force you to seek emergency medical treatment while traveling. To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong for your clients:
1. It’s 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
4. You’re involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
5. If a family becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
6. You arrive in Jamaica and your luggage doesn’t. If it’s lost, who will help you find it? If it’s delayed, who will pay for your necessities? If it’s stolen, who will pay to replace it?
7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?
8. You’ve lost your job, and cannot travel now, what to do?
9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?
10. You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Can you cancel your trip, and who will help you evacuate and who will reimburse your lost vacation investment? Certain restrictions apply.
What’s needed, what isn’t needed travel insurance basics
Your personal medical Insurance overall does not cover you when you leave your country of residence. There are exceptions, but this is the first rule to follow, and that is contact your medical insurance broker and find out exactly what is and is not covered when your travel to another country. To further elaborate – it’s also important to tell your medical insurance broker exactly what countries that you’ll be visiting. Therefore, this is an important question to ask your regular medical insurance person first, and then the travel agent how your covered before you buy travel insurance. Find out exactly what is and what isn’t covered, and go from there to augment what you do need in the way of travel insurance.
1. The number one question — trip cancellation insurance. This can be costly to you if you don’t have it. If you’ve scheduled a trip or tour abroad, get this immediately. If you’re unable to go for any legitimate reason, you won’t lose your trip transportation and accommodation costs, and this coverage is included in specific plans – not all plans. Check the details on this coverage!
2. The second most basic question is flight insurance – terms are fairly standard in the industry, but did you know that the million dollar flight policy that you bought, most likely will not pay your benefactor a million dollars if something happened to your flight?
3. Does this travel insurance cover DVT [deep-vein thrombosis] in layman’s terms it’s known as ‘class coach syndrome’ or deep-vein thrombosis? This syndrome occurs on long overseas flights; it is very important information to know if you’re covered? Normally this is an irritating and uncomfortable situation, but on rare occasions – it can be fatal. Exercise while flying will help, but, you can prevent this from happening – if you’re aware of the condition and what to do to prevent it.
4. Does your travel insurance cover a sudden re-occurring conditions? Or pre-existing conditions.
5. Does the policy cover emergency vehicle transportation, ambulances, air transport back to the US? This is most important if you had a heart attack, a serious accident and or a death abroad.
6. Does the insurance cover emergency services? If I twist an ankle or break an arm or leg will this be covered? What do I do, and how do I contact the insurance company from abroad?
7. Does this cover doctors, dentists and hospitals in the country that you are visiting?
8. If I’m in a serious accident, and need long term hospitalization, will I be covered to be sent home?
9. Does my insurance cover special transportation back home in critical situations?
10. Repatriation – if a illness or injury results in death, will it pay for expenses for Repatriation of bodily remains or ashes to the country of citizenship?
These are all important questions that you should know the answer to before leaving home, and have all the information at hand at all times while traveling. Our Insurance partner covers all these issues and it will bring peace of mind to you that all will be taken care of while abroad in case of an emergency.
Experienced travelers understand the need to have travel insurance, because things do happen and you want to be covered when
traveling abroad, you don’t speak the language, you don’t know how to contact someone for help, it’s simple basics, you need help.
Passports and Visa Services
If You Need One of the Following US Passport Services, then VISIT your Local Post Office!
An Expedited Passport – New Passport – Renewed Passport – Visa – Get Info On This Page
Every man woman and child [includes infants] traveling in and out of the United Statesmust have a passport, excluding Mexico and Canada. However, you’ll still need a certified birth certificate and possibly another ID such as a drivers license to enter either country, and return to the United States. You can now go directly to your local US Post Office to get your passport, where it will be more secure than using ‘Passport Services’ and your private info going to them and who knows where from there! Not all post offices offer this service, so call first to your local post office to check with them before making the trip there, and find out from there where your nearest Passport Service Post Office is!
What is required for an United States Passport Application & Emergency Info – Read BELOW to find out
1. A Certified Copy of your Birth Certificate from the state of your birth, with the state seal on it, see the requirements and
how to obtain your certificates quickly.
2. Name Change – due to marriage – or divorce, you’ll need certified copies of both your birth and marriage / divorce
certificate/decree. Other reasons for name change, you’ll need other back-up identification such as a driver’s license or
other identifying documents that will show proof of your name prior to the name change.
3. Two identical photos are required – please see passport photo requirements.
4. Stolen Passports – click for the US State Departments information on what to do.
5. Secure Passports – Documents – How to secure your passport and documents, as this is the most important thing to do
while traveling abroad or into another country. We offer Secure Passport Holders – just click How to Safeguard your passport
and other important papers, jewelry, travelers checks and cash.
6. All Passport or Visa Requirement Information – all about all passport services, for a new passport service, all children
[including babies traveling abroad, crossing country borders are required to have a passport now]. Do you have an expired
passports? Most importantly…what to do if your passport is stolen or lost.
What you’ll need to send with an application for a Passport and or Visa
► Order your official birth certificate and/or marriage certificate here – if your passport is a name change due to marriage, you’ll need a copy of that along with a birth certificate copy for passport application.
|Find More Requirement Information about Passports or Visas below, or click on links.
► All about Passports, why you need one.
► All about Visa Requirements for people traveling to the United States.
► All about Children & Family Visa Requiarements US Government Website
► Passport Photo Requirements
► What requirements are needed to obtain a passport?
► What requirements are needed to obtain a visa?
► Your passport expired several months ago — can it be renewed?
► Your passport has been stolen, you’re in a foreign country – Important what you need to know and what you should do?
► What should I do first if someone steals my passport of visa, and who do I contact?
Millions of Americans travel abroad each year and have a great time without problems. But, our U.S. embassies and consulates assist nearly
By registering your trip, you help the embassy or consulate locate you when you might need them the most. Registration is voluntary, it’s free, and should be a big part of your travel planning and security. Be Prepared, copy and take this information with you!
► How can I safeguard my important documents such as my passport and travelers checks?