What You Need to Know About International Travel Insurance

If you like travelling, you should take good care of your health too. Without good health, the travelling plans you made would be really wasted. One more thing you must take care of while you are travelling is the medical costs.

Why International Travel Insurance?

The answer is really very simple, security and budget. If you are travelling from one country to another with limited resources, travel insurance will help you adjust your budget and your expenses accordingly. Compare this to the risk of travelling without travel insurance and then falling sick. You might end up spending much more which will mess up your entire travel plan. Therefore international travel insurance should always be a part of your plans wherever you go.

What are the Other Benefits?

A good example of international travel insurance is the Atlas Travel plan that covers tourists visiting one country from another. In short it provides international travel insurance for both US and non US citizens. The travel could be as part of tourism, research or study. Also the insurance can be from a term period of just 5 days to as long as one year and the cost will vary accordingly. Again, the insurance can be renewed for as long as 3 years.

Features of an International Travel Insurance

The insurance covers quite a lot of features that will keep you safe and give you a comfortable sleep at nights. You don’t have to fret over the rising medical costs and massive bills for visiting doctors. The insurance sometimes provides coverage as high as one million dollars. The insurance covers the cost of the visits you have paid to various doctors, the cost of repatriation and evacuation that you were involved in or the cost of any hospitalization at any point of time. Medications and prescriptions are also covered under the insurance. Hazardous sports riders can insure themselves too if they love adventure and want to play safe as far as finances are concerned.

Applying for the Insurance

Applying for the insurance is very easy. One can do it online instead of going elsewhere. Online applications are processed faster and one can see the exact status at any point of time. Also, one receives the insurance as soon as it is processed in the form of mails. One can keep a printed copy of the PDF documents as proof of the insurance with them at all times. The CMN network is the provider and one gets only 80% of the coverage or whatever the terms of the insurance are. This is generally laid out in the policy and is known as coinsurance which means the ratio of coverage provided by insurance company and self. But a benefit of the coinsurance for a policy holder is that this amount is capped to a maximum of $1000. This means beyond one limit the policy holder doesn’t have to pay for the amount, even though it is his liability as per the co-insurance terms mentioned on the insurance policy.

Travel Insurance For Long Distance Traveling

Currently, many insurance products offered to the public to provide tranquility for a customer when he was on the move. Whether on a business trip, vacation, or just a regular trip. Now, almost all insurance companies have and offer this travel insurance product. Despite the different name, it still has same goal, which is to protect yourself and your family, when we travel far.

Travel insurance is an insurance product offered to the public who often travel long distances, in both Indonesia and the world, for business purposes (business), tourism or just a regular trip.

In order to travel, we must deal with a number of risks. It could be you or a member of the family suddenly ill or suffered severe injuries in an accident. For that, it is advisable for us, before a long trip, we should prepare ourselves with insurance products such as travel insurance. Spend a little more to buy insurance products when travel far is more beneficial than not buying at all. The reason is, anything can happen. Protecting yourself with travel insurance will provide security to the families left behind.

Variety of travel insurance products offered by insurance companies offer different benefits. Therefore, premiums and collateral offered is also different. There are insurance companies that provide security for travel around the world, but a few insurance companies cover Indonesia area only. There is also an insurance product specifically for aviation (air) alone, between ports (sea) only, between terminals or between stations (land) and some of them covering the whole journey. Similarly, there are also insurance company that cover for a period of time, there are only between airports, meaning that customers are insurance protected only when he departed from the airport to the airport A to B. However, there is also a guaranteed per week, per month or per year.

Guarantees given by them are different, depending on the premium paid. The greater the premium paid and the longer the policy agreement, then the greater the assurance obtained. For example, there is no guarantee that only for the accident and death alone, and there are also other collateral in the form of health insurance, luggage, motor vehicles (if it travels by private vehicle) to the repatriation corpse.

There’s even a travel insurance that can provide security when something bad happens to her policy holders of robbery in the middle of the road before reaching the destination country. The more coverage provided, the better for policyholders.

With the diversity of benefits offered, it will be more complete, if the home, family and possessions we leave behind is also equipped with insurance products, such as robbery insurance, earthquake, life, health and others. With this entire insurance guarantee, wherever we go, peace is always with us.

Travel insurance products, not only provide security or protection for its customers in terms of personal accident. There is also covering all losses incurred during the trip progresses, such as personal accident, medical expenses (medical care, including treatment) and third-party insurance coverage law.

Travel insurance provides comfort and reassurance when you are out.

Travel Insurance And Pregnancy – Dos And Dont’s

Many women make travel plans after they become pregnant, as they know that after the baby is born they will not have the time to travel. However, it is advisable to take the precautions and not take unnecessary risks, which would harm the unborn child and the mother too. Travel insurance at any time is necessary, but travel insurance and pregnancy is a completely new ball game.

Travel insurance will cover some of the risks involved in travelling during pregnancy. Though most people nowadays are quite casual about travelling during pregnancy, there are some risks involved. Insurance companies, in general, offer cover until the 28th week of pregnancy, but after that time, there are a few insurance companies which offer insurance cover. The premium on insurance during pregnancy is often more than what is payable on other insurance policies.

So what makes it different from other insurance covers? Almost all insurance companies classify travel during pregnancy as a high-risk cover. The main reason for the high-risk classification is that a pregnant woman is more likely to pick up some infection or develop some other complication which will need medical help. Sometimes, medical repatriation may also be required. That is why many of the general travel policies are clear that the woman returns to base at least eight weeks before the baby is due. If this criterion cannot be fulfilled, travel insurance cannot be availed.

Here are some points to remember about travel insurance and pregnancy.

1. Most of the insurance companies, which offer travel cover don’t cover pregnancy, as a general medical condition. You would have to check with your insurance company and find out what has to be done. Most of these companies offer travel insurance during pregnancy as an addition to the existing policy.

2. Travel insurance is very necessary, whatever mode of transport you choose.

3. If you are flying, make sure you inform the airline at the time of booking. Some airlines ask for a fitness certificate from the doctor, while some others will not issue tickets to women with medical conditions such as venous blood clots or who have a history of premature birth.

4. Make sure that the travel insurance covers the newborn, in the instance of a delivery on board.

When you think about travel insurance and pregnancy, there are some limitations which you have to consider.

1. Most insurance companies do not offer cover for multiple pregnancies.

2. Many policies will not cover any complication during travel, if the woman has conceived with the help of fertility drugs or In Vitro Fertilisation (IVF).

3. If the woman has had medical problems during pregnancy, then it may not be possible to get cover.

4. If the woman has a history of complications during conception, pregnancy or delivery, insurance cover may be denied.

5. There will often be no cover available after the eighth month of pregnancy.

Most importantly, remember that travel policies do not usually cover a full term birth.