What is the Difference Between Travel Insurance and Trip Insurance?

Many times I have had clients ask me, when should I purchase Trip or Travel Medical Insurance. What’s the difference?

There are, of course, major differences that is why they are normally purchased for different reasons. Understand that the Benefit descriptions here are really short so be sure and read the full Benefit information of any plan before you decide that it’s the one for you.

Trip Cancellation: When your trip is cancelled due to reasons out of your control.

  • Trip Insurance: Payment is based on the cost of your trip, typically up to $20,000
  • Travel Insurance: No Benefit

Trip Interruption: When your trip is cancelled due to reasons out of your control.

  • Trip Insurance: Payment is based on the cost of your trip – usually the amount of your trip
  • Travel Insurance: Pays to return you to your area of principle residence up to some amount, typically $5,000

Travel Delay: Lost or stolen passport travel documents, or money medical quarantine natural disaster your injury or illness or that of your travel companion

  • Trip Insurance: Up to $500 per insured person
  • Travel Insurance: No Benefit

Baggage and Personal Possessions: Damage to, loss of, or theft of your checked or stored baggage by a common carrier

  • Trip Insurance: Also while stored with your hotel. Typically will pay up to $1,000 per person
  • Travel Insurance: Usually pays much less per person maximum

Baggage Delay

  • Trip Insurance: Will pay some amount typically up to $100
  • Travel Insurance: No Benefit

Emergency Medical/Dental Expenses

  • Trip Insurance: Up to some specified amount usually something like $10,000
  • Travel Insurance: Up to policy maximum

Emergency Medical Evacuation/Repatriation: Reasonable expenses for evacuation to the nearest adequate medical facility

  • Trip Insurance: Typically up to $20,000
  • Travel Insurance: Up to a much higher amount than trip insurance, something like $500,000

Emergency Reunion or Return of Mortal Remains: Will pay for return of dependent child or grandchildren, transportation and lodging for a family member to be at your bedside

  • Trip Ins.: Typically will pay up to $3,000
  • Travel Ins.: Will pay typically up to $50,000, much higher than trip insurance

Common Carrier AD&D

  • Trip Insurance: Up to some specified amount typically $100,000 per person
  • Travel Insurance: Up to some specified amount typically $50,000 per person with a maximum of $250,000 per family

What does all of this really mean? Well, it looks like the Insurance specifically designed to protect your Trip investment (airline tickets, cruise tickets, hotel costs, etc) is better than Travel Medical Insurance which doesn’t cover any of this.

If you are concerned about your $5,000 investment in your vacation this summer you can purchase Trip protection for approx 4%(based on age of 0-49) of the cost. That’s $200 to protect our investment, not a bad deal.

At the same time if your trip is delayed you have some protection against that too. Really handy for things like Iceland volcanos, earthquakes, airline worker strikes or sudden outbreaks of terror activities in the country you had planned on visiting. For these 3 possibilities, trip cancellation and trip delay protection is well worth the money.

However, remember that Trip Insurance, like all insurance, must be purchased prior to something happening, so it’s best to get it quickly after paying for you trip.

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.

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.

Handy Traveler Information About The Kingdom Of Swaziland

Swaziland is a geographically small country of just above one million inhabitants. It is located in the southern hemisphere in what is known in geopolitical terms as southern Africa. The Kingdom of Swaziland, as it is officially known, is one of the last four remaining monarchies in Africa. Its only neighbors are south Africa and Mozambique. It is a country of relative political stability. In recent years, Swaziland has increasingly faced economic challenges which have often resulted in political tensions.

In terms of tourism, the country is a relatively popular tourist destination. International travelers from as far as Switzerland, United States, Australia and the UK visit the country every year. This small nation has been immortalized by the famous annual reed dance, a cultural activity involving thousands of young women. This event has over the years attracted a lot of travelers to Swaziland.

Perhaps the first things to be aware of is how does one gate to Swaziland. International travelers to Swaziland often travel by air. Currently, there are no direct commercial flights to this Kingdom nation. It is usually the case that tourists travel first to Johannesburg, South Africa by air and then connect for the last leg to Swaziland. There is only one airport in the country called Matsapha International Airport. This is a small airport which only caters for very small jets. Plans are afoot but seem delayed to complete a new airport to handle bigger aircraft such as the Boeing 747.

Most countries particularly those with a history of sending many tourists such as the ones mentioned above do not require a visa to enter Swaziland. This applies for stays not exceeding 30 days. This is often long enough for many tourists to explore this small Kingdom with no difficulties. Once in Swaziland, many tourists find accommodation in the Ezwilini Valley. This is found near the capital Mbabane and is somewhat located at the center of the country. The Ezwilini Valley is also special because of its often unique weather, great views of mountains and the lush valley itself and affordable accommodation.

Once in the Valley, there are many activities to do. Some of the things to do include visiting the cultural village, the candle making factory, the glass making factory and historical shrines. Some attractions involve travel distance away from the Valley. All in all, with determination it is easy to explore the entire country in a few days. This is in light of the fact that the maximum breath of the country is some 200kms.

Apart from traveling to the country by air, it is also possible to come in by road. This happens frequently with tour buses that originate in Johannesburg. A visit to Swaziland can even be a short two day or three day visit. It takes about 3 hours to travel from Johannesburg to Mbabane by road.In many cases driving to Swaziland can prove advantageous as it will be much easier to explore the country. However, it is still not a difficult task to rent a car or to find taxes to move around once one gets on the ground. The hotels and lodges are also more than willing to help with internal travel arrangements.

Why You Should Never Leave Without Travel Insurance For Seniors

Travel insurance is supposed to offer cover for every traveler from the burden that comes with sudden illness or injury, more so for elderly citizens. Travel insurance for seniors could be very expensive, which is why elderly citizens need to ensure that they make enquiries and find out if their prospective insurer can actually get the job done when it comes to fulfilling their own end of the bargain when something happens. Over 65 travel insurance, over 85 holiday insurance are just some of the age grouped insurance services offered by various insurance providers. However, you can use the tips mentioned below to help or guide you in ascertaining their capability and in choosing the right firm for you.

They are: ascertaining the financial capability of the insurance firm knowing if it is can pay your claims in case there is a medical emergency, there is also the need to confirm if this company has agents or offices in the area you plan to visit, especially if you are traveling overseas.

Other tips that can help the elderly who seek the over 65 travel insurance package and similar policies in choosing the right insurance firm that will deliver value are: checking the “Medical Information for Americans Traveling Abroad.” flyer with the U.S. State Department that has a list of firms which offer health and emergency assistance policies. You can get the flyer by making a call to (202) 647-5225 or through the web. Also the company should offer a 24 hour toll free customer service number if the company does not have agents or an office in the area you wish to visit.

Travel insurance for seniors may not be as easy as 1,2,3 to come by, but more and more companies seem to recognize the potential the people in this age group offers when it comes to holiday insurance. Every traveler should endeavor to get information about the culture, climate of the areas you plan on visiting. You can get such information from libraries, travel magazines, travel agencies, bookstores, online from various websites; this includes the website of the nation you want to visit, tourist bureau, etc. There are usually wonderful resources available at the US State Department. Once again you can call (202) 647-5225, or try the Department’s website.

One necessary thing one ought to do before getting over 65 travel insurance or some other travel insurance for seniors is for every traveler to go through their homeowner’s policy or any other insurance policy they might have to find out if cover is already offered for potential travel mishaps. Seniors must remember that the American government will not pay for medical evaluations and neither will Medicare pay for services that are rendered by physicians outside the U.S. Finally, travelers having taken any of the travel insurance for seniors must endeavor to make photocopies of all travel documents and policy and distribute these copies among trusted friends and or family members back home just in case this might be needed in case of an emergency.

Practical China Travel Information

China travel tips – Useful information

Time difference: During the summertime it’s 7 hours later in China than it is in the UK. During winter time it’s 8 hours later in China.

Best time to travel: The best time to travel is during the months Aprtil through October. However, it’s best to avoid the first week of May and the first week of October. These are Chinese national holidays.

Language: Mandarin Chinese is spoken in most of China. However, countless dialects are also spoken. English is gaining popularity in China, but you still won’t find many people who speak English, especially in rural China. Bring along a Chinese pocket dictionary.

Currency: The official Chinese currency is known as the renminbi (‘peoples money’), RMB for short. The monetary unit is the Yuan. Hong Kong has its own currency – the Hong Kong Dollar. The Hong Kong Dollar is pegged to the American Dollar. It’s accepted in Guangzhou (Canton) and Shenzhen.

Tips: Tipping is customary for guides and drivers. They are generally reliant on tips for a large portion of their salaries. It’s not customary to tip in restaurants.

Visas: You’ll need a Chinese visa in order to travel in China. You’ll have to apply for your own visa at the Chinese Visa Application Service Centre (CVASC). A single entry Chinese visa will cost you around £60. This is made up of a £30 visa fee, and a £30 processing fee.

Telephone calls: Phoning home during your China trip using your mobile usually isn’t a problem, but it can be a very costly affair. Internet Phone (IP) cards are the cheapest way to phone home. You can buy these cards at kiosks and hotels in larger cities. If you want to use your own mobile phone during your trip, it’s best to buy a prepaid sim card at a Chinese phone shop.

Internet: Nearly all parts of China offer Internet access. You’ll find more and more cafés and bars that offer mobile Internet in China.

Photography: The Chinese are usually honoured if you would like to take their picture. Don’t forget to ask their permission first though. Taking pictures or shooting a video at military sites in China is highly illegal. Many museums, palaces and temples also do not allow pictures to be taken or only allow you to take pictures for a fee. It’s best to always be on the look-out for the signs posted regarding photography and to be careful.

Voltage: Electricity in China is 220 Volts, alternating at 50 cycles per second. It’s best to bring along a universal plug adaptor.

Hygiene: Using public bathrooms during your China trip will be quite an experience. The level of hygiene is commonly poor and you’ll have little privacy. Be sure to add toilet paper or tissues, anti-bacterial hand wipes and disinfectant to your China Travel Plan packing list.