Don't travel without insurance, holidaymakers told moneyfacts.co.uk
02.07.09
Britons planning on a break abroad have been warned that scrimping on travel insurance could lead to a costly trip.
With medical care abroad more expensive than ever, cutting back on holiday cover could well turn into false economy should the unforeseen happen, Direct Line has warned.
The company’s own figures show that in 2007 the average claim for medical care amounted to £427. That figure increased by 58 per cent last year, with the average claim totalling £678.
The cost could well increase even further this year.
The European Health Insurance Card, commonly known as the E111, has long been a must have when travelling across Europe. However, accidents or illnesses that require long term treatment or care may not be covered by the document.
An additional insurance policy is likely to cover such services as translation facilities and flights to more suitable medical facilities if necessary.
As flying home injured can include specialist seating arrangements and a medical escort, the costs can run into tens of thousands.
Source:
ADVANTAGES OF INSURANCE FOR INTERNATIONAL TRAVEL
There is always a direct relation between the duration of your journey and the number of things you take along with you. You may rush for last minute preparations while planning for a trip abroad. You may even scratch your brains to get everything right. Worldwide travel insurance is one right thing that should accompany you in your journey abroad.
Worldwide travel insurance is designed for providing health insurance for US as well as non US citizens. Travel insurance policy are underwritten by companies with exceptional A.M. ratings like AIG, Lloyds, Sirius International, Nationwide etc.
The risk of accidents increases with the increase in frequency of travel. Moreover, illness or accidents are uncertain. Worldwide travel insurance takes care of all your financial difficulties incurred due to a medical emergency. It offers a comprehensive package policy for overseas travelers including medical expenses, as a result of illness or personal accident.
Apart from medical expenses, some policies also cover trip cancellation. With a trip cancellation policy, if the trip is cancelled for a covered reason, the policy will reimburse the non-refundable portion of the trip cost. An Worldwide travel insurance policy that covers trip cancellation should be purchased before the trip commences, preferably soon after the initial trip payment is made. Other benefits include, loss of air ticket, loss of passport or baggage, family transportation in case of visit to the hospital, medical evacuation/repatriation, hotel accommodation charges in the event of delayed flights, missed flight departure etc.
Most Insurance for International Travel plans in US follow a PPO (preferred provider organization) network. PPO network is beneficial because of the convenience of cashless claims settlement. Such travel insurance policies can be purchased by completion of a simple form before or after the start of the travel.
Worldwide travel insurance offers a variety of plans with a wide range of deductibles. The deductibles range from $0 to $2.5K for short term and $0 to 10K for long term policies. The insured amount is determined depending upon the preferred level of coverage as well as length of coverage needed. The amount can be up to $1 million for short term and $8 million for long term coverage.
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