Posts Tagged ‘Travel Insurance’

Travel Insurance Advice For Older People Travelling Abroad

March 20th, 2010
Tony Page asked:




Most retired people are already on insurance programs and are reaping the rewards of having contributed to the system that is now providing for them health care with considerable options based on their ability to pay. In regards to travel, for the most part, there are few distinguishing problems with older people as with the general travelling population. Holidays are usually taken as travelling tours instead of backyard retreats by able bodied people who need diversity to feel relaxed and happy. Before going off on a junket, better prepare for the worst, just in case.

None of us like to think about what dire consequences might await us while on vacation. But, a word to the wise, never hurts. If you are travelling with a retirement group, you might ask the travel guide what provisions are made in case you have to go to hospital while junketing. The answer might surprise you if he says, none. That is definitely when you should call your insurance agent or find travel insurance online and buy a reasonably priced insurance policy just to cover yourself in case the worst does happen.

Older people have developed skills through the years in survival. Hopefully, a holiday vacation will not require them to bring those skills out of the closet and into action, but, of course, whenever you leave the comfort of your own home, you risk adventure. And, why not face your adventure with some careful planning and itinerary promises not issued as real tickets, at least, in writing.

An older person who is planning on travelling for an extended period should leave important papers on his desk or where some one else in the family can have easy access to them in case of an emergency. A copy of his travelling itinerary should be on top of his folders that contain important, personal information. Telephone numbers to his travel agent and to his insurance agents should also be easily found.

Travel cover is now avilable for purchase on many websites and all ages are usually covered, for instance travel insurance over 80 is now available from at least five different UK providers.

If the older person has a special medical condition, the rules of travelling apply to him as they apply to all travellers. Let your tour guide know, let your hotel manager know, let your stewardess know and basically don’t keep serious medical conditions a secret especially if fainting or passing out is one of them. An older person travelling is frequently a welcome traveller especially if he is travelling without a partner. There are many single people travelling who just love to be with someone who can be a short time companion.

Is Travel Insurance Worth the Cost?

March 12th, 2010
Dan Haneveer asked:




If you are traveling with limited resources, but you want to cover the basics associated with travel insurance, then you have reason to think about getting budget travel insurance. However, if you contemplate taking in the pleasures that are usually linked to tropical vacations, then you might want to think twice before buying budget travel insurance. While a low cost policy does cover the basics, it usually does not cover any event considered to “an act of God.” A number of people who had planned to enjoy one of the typical tropical holidays learned that the hard way in December of 2004. That was when a tsunami hit the coast of Thailand, where many people were vacationing. Like a loss sustained due to a tsunami, a loss caused by a hurricane or an earthquake will normally not be covered by a cheap form of travel insurance.

If you plan to get some type of budget insurance, you should set aside time for studying all of the specifics relating to your policy. It may not cover travel over every inch of the globe. The extent of coverage should concern anyone who plans to venture off the beaten path, like a backpacker. A backpacker might want to “stretch” his or her budget and pay for backpacker insurance. Such insurance would cover the cost of a possible airlift, in the event that the backpacker happened to wander into treacherous territory.

Budget travel insurance has been designed to cover only items that cannot be reimbursed. If you need to cancel your travel plans and get a second airline ticket, a low cost insurance covers the fee that is associated with that transaction. Upon payment of that fee, the holder of that old airline ticket should be able to turn it in and get a new ticket.

No insurance designed for travelers should be seen as a bargain if the company selling it appears ready to go “belly up.” These days, a number of travel industries seem to be “on the edge of bankruptcy.” Therefore, it is best to get travel related insurance from someone outside of the travel industry. In other words, do not buy insurance for your trip from the group that asked you to pay for either the tickets or the accommodations.

If you keep in mind the above advice, then you should enjoy a fun trip, and one that is not too costly trip.

Airline and Vacation Travel Tips – Ultimate Travel Checklist

March 7th, 2010
Terrie Bryan asked:




Do you use a travel checklist? If not, then this scenario probably sounds familiar. You’re halfway to the airport and realize you forgot something you need for your trip. Sometimes it’s nothing important, or just something you can pick up in the airport or hotel gift shop, but sometimes it’s a very important item like your driver’s license or passport. Ugh! Now you have to turn around and go back home to get the needed item. Let’s hope you don’t miss your plane!

Before setting off on your trip, consult this travel checklist complete with airline and vacation travel tips.

Reservations: Confirm your reservations for flight, hotel, and rental car. Most of the time you will not encounter any problems, but on the rare occasion you do, it’s much easier to fix prior to your vacation rather than after you’re already on your way.

Passport: Make sure you have your passport and also check to see that it has not expired. For certain countries your passport must be valid for six months after the date you travel so verify this before you leave. Also make sure you fill in the emergency contact details in your passport.

Airline Tickets or E-Ticket: If you don’t have a physical ticket, confirm your E-ticket with the airline before you leave.

Visa: If required.

Travel Insurance: Consider whether you want to purchase travel insurance and make sure you have these documents.

Driver License: Don’t leave this at home and make sure it is not expired. Be aware of the driving laws where you plan to visit.

Auto Insurance Card: If you are renting a car you will need this.

Copies of Important Documents: Keep copies of important documents in a separate location than the originals.

Local Currency: If you are traveling out of the country, be sure to have some local currency on hand.

Credit Cards: I recommend keeping at least one emergency credit card with you at all times. Call the credit card company if you are going out of the country and let them know.

Adaptor/Plug: If leaving the country, check to see what type of adaptor you may need and take this with you.

Language Phrase Book: If you are headed to another country, bring along a phrase book to help with communication.

Medication: Be sure to pack your medications especially if they are prescription. Keep them in your carry-on for safekeeping.

Glasses or Contact Lenses and Cleaner: Don’t forget these.

Tell a Friend or Relative Where you will Be: Give someone the details of your trip and an idea of where you will be in case of emergency.

Travel Guide: Pick up a good travel guide to wherever you are going.

Vaccinations: Check with your physician to see if you or your kids need any vaccinations if you are traveling abroad.

Cell Phone: Keep a mobile phone with you and make sure you know what you’ll be charged as far as roaming fees. Nothing worse than arriving back home to a huge cell phone bill. If you are traveling internationally, make sure your phone will work. Don’t forget your charger.

Prepaid Phone Card: Good to have just in case.

Contact Numbers to Report Lost Credit Cards or Traveler’s Checks: If you lose your wallet you’ll want to have the phone numbers readily available. Keep the numbers in a separate place.

Guide Maps: If you are going somewhere unfamiliar, get an up-to-date map to take along.

Reading Material or Audio Books: Bring along a book or magazine for the plane trip. Or if you have a music player, try an audio book.

Journal: A journal or notebook for your trip is fun, and is a great way to remember the details.

Addresses of Friends and Relatives: You might want to send a postcard.

Camera: Don’t forget your cameras and take along your manual too. Also of course batteries, film, memory cards, chargers, etc.

Binoculars: Depending on where you are going, you might find these useful.

Travel Alarm Clock: Most hotels these days provide an alarm clock but it’s good to take a small one along with you just in case.

Plastic Bags for Dirty Laundry: Keep your dirty clothes separate, just stuff them into a plastic bag. You’ll find they take up less space in your suitcase this way too.

Travel Pillow: These are great for the plane. Buy them beforehand or you will pay extra at the airport.

Extra Suitcase: For carrying home all of your souvenirs.