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.

Your Budget Travel Guide

Have you always wanted to travel but feared the thought of spending beyond your means? Well, here is a piece of good news: travel need not be costly. Travelling is not the exclusive turf of those who can afford to pay their way through anything. Whether you are an ordinary office employee, a student or a retiree, you have every right to enjoy the wonders of this world commensurate to your financial capacity. Be your own travel guide!

Deciding to be your own travel guide will help you find resourceful solutions to the endless expenses involved in travelling. Travelling is even more enjoyable when it is not heavy on your pocket. Cheap travelling is a practice that many people are yet to master. Many travellers have been duped by expensive travel guides and travel agents, not knowing that there are actually several ways to lessen the financial challenges.

Here are ways through which you can travel with minimal costs:

1. Find the Most Affordable Hostel

Hostels are relatively cheaper than hotels. Though structurally smaller and more cramped, they offer the same amenities and, at times, the same basic travel comforts as many hotels. If you are looking for free Wi-Fi connection, free breakfast and free airport transfers, most hostels offer these services, too. Others offer free laundry, staff-sponsored parties and a common room where guests can mingle and get to know each other.

The only things you have to put up with are space and, in certain hostels, hygiene. The trick is to do your research beforehand. Read reviews to know what previous guests think. You will have a clear idea of which hostels to consider and which ones to avoid. Lastly, be on the lookout for promos. Hostels occasionally offer discounts and other perks. A dormitory-type may be a lot cheaper, but if you want a cleaner and less topsy-turvy situation (particularly if you are female), then go for an all-girls dormitory. These rooms are usually less crowded and are more comfortable.

2. Walk More

Travelling on a budget means preparing to give up taxis or private cars. What most comfort travellers do not understand, however, is that they are actually spending more for transportation expenses than they are for food, lodging or souvenirs. Some taxi drivers take advantage of tourists, driving them in circles so that they will be forced to pay more than what is necessary. On one hand, if you use your feet more, not only will you be able to test and improve your sense of direction, you can also see and experience interesting spots inaccessible through regular transportation. If you are not sure where to go, then read through blogs, brochures or local magazines. They can serve as your portable travel guide.

3. Adopt a Flexible Itinerary

The worst that you can do to yourself while travelling is to be a stickler for rules. It is important to have an itinerary to keep things in order, but it is much more important to enjoy your trip and have a blast. Give a little room for unexpected adventures. Do not set your return date if you think you need more time to explore a place. Your itinerary may look great, but first-hand suggestions from locals and backpackers are the stuff that make travelling more exciting. Travel guide books and magazines may not have an inkling about these suggested spots, which are usually underrated, less crowded and far more beautiful than many tourist spots made famous by media mileage.

Spontaneity, experiencing culture, discovering uncharted territories and meeting new people – these are just a few reasons why we must travel. Stick to your budget and money will be the least of your consideration.

Senior Travel Insurance Pros and Cons

As a senior over 70 travel insurance is a something that you should have whenever you travel alone or even when you choose to be part of a group tour. However do you really need to take a travel insurance and this really important?

In your travels there is always the risk of you getting hospitalized, flight cancellations, natural disasters occurring, you getting sick, and you losing your luggage to thieves. Having an over 70 travel insurance reduces the amount of money you are going to spend when these things do happen as you travel.

Being insured as you travel is sharing the risks mentioned above with your insurer. Hopefully, the scenarios below will help you understand the why you a senior over 70 need to have travel insurance.

For instance, as you are vacationing at a beach resort when a strong earthquake suddenly occurred and you found yourself in danger of becoming a victim tsunami. If in your policy you are insured for natural disasters, you are helping yourself and your family deal with the consequences afterward especially if the consequence is accidental death or permanent disability if this is part of your over 70 travel insurance policy.

In the recent eruption of Iceland’s long dormant volcano, many flights were canceled and travelers became stranded in various airports all over Europe. There were many travelers who did not have insurance thinking it was expensive. Still some of those who were insured found their coverage not enough for hotel accommodations simply because such a thing was not expected to happen.

It’s you and your wife’s first time visiting a non English speaking country and your passport and wallet with your money and credit cards in it were stolen. You can call your bank for wire transfer but essentially how can you arrange this when you cannot speak a foreign language? This is where your travel insurance becomes very useful.

You were traveling alone and were suddenly taken ill and had to be hospitalized? You found out your health insurance does not cover you outside of the United States, how do you take care of your medical bills then? If you are covered for this eventuality in your over 70 travel insurance policy then the insurance company will take of these things for you, if medical evacuation or being reunited with a loved one in a foreign hospital is covered so much the better right?

Your daughter who is traveling with you figured in an accident at a ski resort further you found out that medical services are not adequate in that area or they are too expensive. How can you bring your daughter home for the proper medical attention she deserves?

Perhaps you are waiting for the cons? There are no cons really, its just that many seniors do not appreciate the importance of having insurance in their travels because they do not put into consideration the number of things that could happen to them in their travels.

Mind you it is not only important to be insured, it is also important that you understand how to make your over 70 travel insurance policy work. So, before embarking on your next trip to Hawaii discuss with your insurance company what to do in cases of emergency.