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Travel Insurance Insurance For The Over 65’s

admin — Fri, 03 Dec 2010 19:36:00 +0000

According to a survey published by Mintel, one in three pets needs an unexpected visit to the vet each year. This means that you are more likely to claim on your pet insurance than on a home & contents policy or even your car insurance.

The word unexpected is important here. If you are looking for pet insurance to provide cover for routine treatments such as vaccinations or worming, forget it policies that do that are as rare as hens’ teeth! And you won’t find cover for elective treatments, such as neutering, either. This means that the most common reasons for visiting the vet are uninsurable.

But don’t forget it’s those unexpected visits that tend to be the expensive ones! Developments in animal care mean that more conditions can be effectively treated and costs of emergency care can be horrendous. A cat that argues with a car could cost 700, even more, to treat. After all, a series of X-rays could cost 400 and a MRI scan will put you back 1,000. If Buster the Bulldog tore a ligament that too can be treated but the cost? Don’t expect change from 1,500! This is serious money!

Having appreciated that most reasons for a visit to the vet are uninsurable, what do we get for our money?

Well, insurance plans largely fall into three types. The first restricts the value of the claim for each condition or event; the second limits the total annual payout and the third and cheapest option, limits the payout per condition and ceases cover after 12 months of treatment. Most will make a payout if you pet dies. And with all policies you will have to pay an excess on any claim, usually between 50 and 100.

And the cost? That depends on which type of policy you want, the excess you want to pay, the sort of pet you have, its breed, its age and even your post-code (vets charge more in Chelsea). But as a guide, an industry estimate suggests costs between 30 and 200 per year for a cat and between 50 to 500 for Buster.

The best advice is start the insurance when your pet is young. Most pets can be insured after they’re 8 weeks old and you can then maintain the insurance over the course of its life. If your pet is in it’s middle age when you want to start the insurance, say eight or nine for a dog, then it may be difficult to get worthwhile cover. This is because treatments for existing health conditions will be excluded from the cover and in any case, a new policy at that age gets expensive.

So how can you lower the premiums? Sometime insurers will give you a discount if you pet has been identity chipped and quantity discounts do prevail! Discounts are widely available for your second and subsequent insured pet.

Then there’s always the Internet. The Internet is taking an increasing share of the insurance market and no wonder its simple, quick and easy. What’s more it’s probably the cheapest avenue for all your insurance whether it be for your home, your car or pet.

What is Travel Insurance?

admin — Wed, 10 Nov 2010 04:39:51 +0000

Many of us take out holiday insurance, but few know really what it is and how it can be defined. If you know what is included, you will be able to make the most of your protection.

In general terms, holiday insurance protects a travellers holiday costs against adverse events such as cancellation and interruption and also reimburses medical expenses, the loss or damage of property and transit delays. Travellers are compensated if they have to cancel or interrupt their travel, they will also be covered should they need emergency medical treatment, medical evacuation and other situations.

The main categories of holiday insurance:

Delays and cancellation including curtailment

Delay: This reimburses travellers for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up with a cruise should another delay cause the traveller to miss embarkation.

Cancellation: Reimbursement comes into effect if travellers have booked and paid for a holiday, but are unable to embark because of personal illness or injury, death (of the individual or of a family member), adverse weather conditions, airline strikes, terrorism, bankruptcy, sudden unemployment, jury duty or by sustaining serious damage to their home causing it to be uninhabitable due to fire or flooding.

Interruption: Insurance companies pay money to policy holders abroad if they have to cut short their trip due to illness, death (of the traveller or a family member), weather, airline strikes, terrorism, bankruptcy, becoming unemployed, and other adverse conditions which mean that, due to events outside the control of the holiday-maker, a trip has to be curtailed.

Medical reasons

Medical and health reasons: Reimburses medical and emergency dental costs. Almost all holiday insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 10 days. Pre-existing conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveller made the first payment or deposit.

Medical evacuation: This provides emergency transportation to either a local hospital in the event that the traveller is unable to get there by themselves or back to a hospital near the travellers place of residence. If family members are covered on the same policy they can return home also.

Death of traveller

Air Flight accident this covers death or dismemberment during an air flight only. Usually provides the highest amount of coverage due to fairly low likelihood of this occurring.

Common carrier Covers death or dismemberment while travelling on public transport such as a plane, ferry, train bus or taxi.

Accidental death covers death or dismemberment at any time of your trip. Usually provides the lowest amount of coverage due to a higher risk

Loss or damage of personal effects

Baggage loss reimburses travellers for lost, stolen or damaged personal items. This coverage is usually restricted to the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for such as precious jewellery, laptops and sporting goods

Rental Car damage Reimburses travellers for damage or loss to a rental vehicle. It is designed to allow the traveller to decline collision damage waiver (CDW) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often matches the coverage provided in the policy.

Assistance services provides a 24-hour collect telephonel advice and assistance service to travellers. This service can be used anytime a traveller needs advice. Make sure you dont leave home without it.

In conclusion

holiday insurance is the one product in the modern insurance-saturated world that really is essential. You will not regret taking it out, but not being insured for your travel mishaps is a source of huge regret for far too many holiday-makers every year.

Dont leave home without your toothbrush, a sketch pad, a bar of scented soap and a holiday insurance policy!

Business travel insurance

admin — Sat, 02 Oct 2010 06:44:00 +0000

Traveling is a part of our day-to-day life. We all travel because of one reason or other and can be national or international. Traveling always involves risk. So, whether you travel for pleasure or business, it always safe to travel with proper travel insurance. If your are properly insured, there is no need to worry about the risks involved in traveling like loss of luggage or baggage, flight delay, accident, medical emergency or evacuation.

Formerly, Travel Insurance was considered as a luxury. But now travelers are aware of factors that are not under their control like trip cancellation, medical emergency, evacuation, flight delay, loss of baggage etc.

There are many kinds of insurance policies. Travel Insurance comes in front of you in different shapes like Travel Health Insurance, Travel Medical Insurance, Vacation Insurance etc. Whether it a business or leisure trip, proper Travel Insurance is crucial because of many reasons. It protects your travel investment, belongings and health. You can hold travel insurance for personal and business purpose it is always true that a proper Travel Insurance makes your trip memorable.

Apart from personal insurance, Business Travel Insurance also covers computers and other business equipment of businessmen or travelers who travel for a business purpose. Business Travel Insurance makes perfect sense and is always a policy or contract under which the insurance company agrees to pay a sum of money to the insured for a damage or loss or injury as a result of some uncertain event during his trip. This can include flight delay, baggage loss, medical emergency, accident or disasters. Under a Business Travel Insurance contract, the insurer pays for business loss or damage faced by the insured during his trip.

Many things can go wrong during your business trip. This can be your baggage loss or a flight cancellation, or your destination become unreachable due to bad weather, or even you can fall ill and have to postpone the trip. You cannot control such events, but with the help of proper Business Travel Insurance, you can minimize their outcome. Whether it is a small enterprise or a large corporation, the success of a business is largely based on the dedication and hard work of the members of that organization. But it doesnt matter how industrious you are, because one disaster or catastrophe can destroy your business and wipe out all the profits. The only way to make sure that the effort and money that you invested doesnt fade away when a disaster smacks is by protecting your business with appropriate insurance.

About Author:

Adrian Rogers – For related articles and other resources, visit : http://www.buy-travel-insurance.com/

Canadian Travel Health Insurance

admin — Fri, 03 Sep 2010 04:59:49 +0000

With Canada so close to the US, it is easy to forget that Canada is another country and even though we feel at home when we go there, there are formalities one must have in mind like having a travel health insurance because the American healthcare system does not pay for treatment outside the US.

There is hardly anything special in purchasing a travel health insurance plan when going to Canada that is very different from doing it for any other part of the world. Maybe one difference is that Canada has a high standard of living and therefore you can reasonably expect that there, like at home, medical and dental services will be more expensive than those in some Third World countries. And this is one more reason to look for the best, not the cheapest travel health insurance plan.

As far as money is concerned, a regular basic plan usually provides coverage for you and your family amounting about $50,000 CAD (about USD 43,000), which is usually enough to cover ambulance service, laboratory examination, doctors fees, a short stay in the hospital, etc. But if you are afraid that this is not enough, there are companies that offer over USD 1,000,000 as coverage. And if you go to ski in Calgary, for example, or go on a fishing trip to Ontario, do not let a broken limb ($400-500 with therapy, crutches, etc.) break both your mood and finances.

There are many Canadian companies that offer travel health insurance to Americans and there are many American companies that offer the same for Americans going to Canada, so the choice is unlimited. Just visit their sites and spend some time with the online calculators that allow to enter your age, the duration of the trip, the destination province and your medical condition, and in no time at all you will have plenty of offers to choose from!

Cheap Travel Health Insurance

admin — Tue, 24 Aug 2010 10:23:08 +0000

We are all fond of bargains, and paying less for a given product or service and travel health insurance is not an exception. But one thing never to forget is that cheap can often get more expensive and savings are not always reasonable especially when health and life are concerned.

So be careful when you select a cheap travel health insurance plan. If the plan does not cover what happens when you are traveling, then you might regret your stinginess. Youd better find other ways to cut costs than by reducing the number of risks covered.

One way to get travel health insurance cheaper is by purchasing a multi-trip travel health insurance plan. This is applicable in the cases when you travel frequently. Another alternative for frequent travelers is purchasing annual plans or choosing a new plan that has the option of renewing it at a discount.

Another way to save money is to buy travel health insurance for a particular country only. There are companies that offer such plans, though most of the offers on the market are for any country outside the US.

If you travel with your family, then a family plan is the best option in terms of money. The same applies to group plans, if you are traveling as part of a group.

A riskier alternative is to select a plan in which not all medical expenses are covered by the insurer but you are a co-payer. In general these plans are cheaper, but there is less security for you.

How much you will save from choosing a cheaper travel health insurance plan is up to you. There are many online insurers that provide a calculator to check which of their plans are applicable for you, but never forget that cheaper is not always better. It is a bargain only if you pay less money for the same risks!

Canadian Travel Health Insurance

admin — Sat, 17 Apr 2010 16:58:46 +0000

Cheap Travel Health Insurance

admin — Sat, 10 Apr 2010 13:42:33 +0000

If you travel with your family, then a family plan is the best option in terms of money. The same applies to group plans, if you are traveling as part of a group.

A riskier alternative is to select a plan in which not all medical expenses are covered by the insurer but you are a co-payer. In general these plans are cheaper, but there is less security for you.

Senior travel insurance

admin — Thu, 08 Apr 2010 05:02:13 +0000

All enjoy traveling and the age factor never does affect or reduce your love for traveling. Seniors or juniors, from nine to ninety-nine, all love the adventures and pleasures of traveling. But traveling always involves risk. Whether it is a pleasure trip or a business trip, the risk factor is always there and can come to you in any form, from minor accidents to major catastrophes. This can even be baggage loss or medical emergency or flight delay or accident or even accidental death. Facing such disasters or problems in a foreign land is almost impossible. But all these tensions and worries can be ruled out if you are well insured. Proper insurance can help you have a tension-free trip, wherever be your destination.

Senior Travel Insurance is an insurance plan meant for senior citizens. Senior Travel Insurance is a kind of agreement or contract between the insured and the insurer, under which the insurance company pays an agreed amount to the concerned party to make good for a loss, injury or damage to something valuable in which the insured has some kind of interest. Simply put, the insurance company pays money to the insured for a loss or damage as a result of some uncertain event. The contract between the insured and the insurer when put in writing is called a policy. The person whose risk is covered is called insured or assured and the corporation or company that insures is known as insurer or assurer or underwriter. Under Senior Travel Insurance, the amount of insurance becomes payable on the happening of some insured accident or incident.

Senior Travel Insurance provides cover for single trips, annual multi-trips, and even for extended stay and is mostly designed for mature and retired people seeking good all round vacation or trip cover. This includes fire insurance, burglary, fidelity, medical emergency and much more. Your age or age related tensions concerning your security wont affect your trip if you are a Senior Travel Insurance holder.

About Author:

Adrian Rogers – For related articles and other resources, visit : http://www.buy-travel-insurance.com/

Special Event and Travel Cancellation Risks

admin — Sun, 21 Mar 2010 02:28:27 +0000

The beginning of the new millennium will be remembered as one of the worst times for event organizers world-wide. A sequence of disastrous events caused hundreds of thousands tourists to cancel their holidays. Weddings, family events, children’s summer camps, and thousands of commercial events and conventions were cancelled. Hurricanes, earthquakes, tsunamis, terror attacks caused not only direct vast damages but also collateral damage to millions of individuals and businesses.

The resulting financial damage is huge. Empty hotels, lost deposits, travel agencies with no income, airliners that fly almost empty, lost income to wholesalers, organizers and many individuals and the list goes on. The estimated losses are stated in billions of dollars (according to the publications of the numerous insurance companies).

This scenario is familiar to the insurance industry: those companies who write Travel Insurance that includes a Cancellation Fees Clause; those who write Special Events with Cancellation Fees Clauses; and those insurance companies who write Political Coverage (many of which are state-owned organizations).

Although this scenario is well-known, the actual loss sustained by the insurance industry is by far lower than the actual loss sustained by the tourism industry, the canceling individuals and many others. The reason is Awareness.

In the past century the world witnessed many events, which should have caused people to understand the need to protect their investments. Although rates in the past decades have been quite reasonable, most prospective customers did not purchase any kind of protection. The saying, “It won’t happen to me,” led millions of travelers all around the world to refrain from purchasing travel insurance (or to ensure that their cover includes a Cancellation Clause), which resulted in somewhat higher premium rates, as the spread of risk was smaller than the potential. Most of those organizing events private or commercial ignored history, and smiled when nothing happened and the event was over. For those who saw the risk materialize, no smile could help.

The insurance market can only offer the products. It cannot purchase them instead of the at-risk customers. However, it is important to elevate the level of awareness in the general public, to ensure better protection to the public.

The big numbers look a bit remote from the individual whose story is the wedding reception of his son or daughter, and whose relatively small deposits for the reception hall and the caterers are now lost. An additional average expense of $100 could now save this money, and ensure his ability to celebrate the occasion at a later date.

The small stories are those that should alert you, the reader personally or as an insurance broker or agent to ensure that next time, you will not be caught without protection.

The Annoying Expense Of Travel Insurance And Why You Need

admin — Wed, 10 Mar 2010 00:52:19 +0000

The Annoying Expense Of Travel Insurance And Why You Need It.

‘Travel Insurance’ is an insurance policy that covers different problems that can occasionally be associated with traveling. This insurance covers cancellation of trip due to illness, personal accident, medical expenses and all other expenses that may arise as a result of loss, damage, injury or difficulty occurring between the dates specified in the policy at the point of purchase.

Yes, we are talking about a contract here that will be engaged between you the happy traveler, and the insurance company of which you must pay a certain amount of money or “premium” to claim certain benefits you’ll require that may or may not be associated with traveling. It is very important to choose the correct type of policy before traveling with family for vacation or for a business trip. Ensure the policy you decide to go with provides adequate coverage in case of delays , cancellations of transportation and lost baggage.

Types of Coverage available in Travel Insurance

You can determine which insurance is best for you and your situation by learning about the different kinds of coverage offered by the insurance companies your familiar with. By simply phoning to get more information you’ll ‘learn the lingo’ and discover the options available for your particular type of trip and destination.

***Please Note: ensure you get more than one opinion if this will be your first time travelling or going to a certain country. I’ve found many times in travelling myself that each agent knows different information depending on their experiences and length in the industry, plus depending on your length of travel and location you may want to find someone that’s travelled there recently. Quite often each country will have it’s own set of regulations and you’ll shortcut your research simply by talking to someone that has done the trip before you. P.S. – if you go this route the person you talk to will also know many of the best places to visit and the ones to avoid like the plague to best maximize your time.

Among all the coverage the most important to arrange for is medical expenses. Coverage can also be found for mishaps in different sports and adventures like skiing, diving or hiking. Different insurance companies offer different amounts of coverage and some specialize in certain areas so due diligence may pay off for you depending on your trip.

Some common types of coverage with typical travel insurance policies are stated below:

Cancellation of Trips: The most common coverage offered by an insurance company and covers non-refundable payments from airlines and other types of transportation routes. Cancellation insurance will cover you if the trip is cancelled or interrupted due to bad weather, illness or any unforeseen circumstance.

Delay of Trips: Expenses that arise in case of the delay of trips can also be covered in your policy.

Personal Liability: Covers a legal liability claims made by others against you for whatever reason.

Medical Expenses: The insurance policy covers reasonable medical costs for treatment in hospitals, road ambulance and other treatment done by any registered paramedic, doctor, hospital in case of any injury or illness during the journey. In some countries the small cost of your policy will pale in comparison to spending one night in a hospital if needed.

The benefits of travel insurance are as long as the days on the beaches of Maui, for most it’s the peace of mind that if something does happen they won’t have a shocking and expensive bill to handle down the road.

I hope this has been of assistance in one way or another to you. Do Enjoy Your Trip !!

Compare car, travel and more cheap insurance quotes » Travel Insurance

Travel Insurance Insurance For The Over 65’s

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