Travel Insurance – Bringing You Home

Overseas travel is one thing that people all over the world aspire to. Whether cruising around the Greek Islands on a luxury yacht, sipping brandy by the fire in a Swiss chalet after a day of skiing; or elephant spotting in Kenya, an overseas trip can be the adventure of a lifetime. Unfortunately, though, it can also be the disaster of a lifetime unless due diligence is carried out prior to setting off.

Along with passports and plane tickets, one of the most important things to remember before travelling overseas is to arrange Travel Insurance. Not just any “cheapest-you-can-find” travel insurance, but a policy that will take good care of you should the unforeseen occur.

Types of travel insurance vary from company to company and it is well worth your while to spend some considerable time shopping around before committing to one policy. Remember, what is considered an acceptable risk by one insurer, may be excluded by another. Definitions of terms may also vary.

Take terrorism, for example. Most insurance policies will exclude acts of terrorism from being claimable events, however, the definition of what constitutes a terrorist act can vary between insurers. What one insurer may deem as an act of violence and therefore claimable, another insurer may deem terrorism and deny any claim.

In this age of terrorism threats and war-torn nations, travellers should always heed governmental advice as to whether or not travel to certain regions is recommended. If deciding to travel to a country despite government warnings, it may be difficult to obtain travel insurance at all. If it is obtained, it will probably be very expensive and its cover fairly limited.

It is crucial that you understand exactly what is and isn’t excluded from the policy before you sign on the dotted line. Indeed, being aware of the exclusions is, arguably, even more important than knowing what is covered. Get clear in your mind the insurer’s definition of claimable and non-claimable events. If at all possible, endeavour to get those definitions in writing.

Get the language right. Ask as many questions as it takes to know exactly where you stand. Remember, the only dumb questions are ones that haven’t been asked yet and given a voice. If going through a broker or agent, double check with the insurer if uncertain of their answers. It’s wise to remember too, that no insurance policy is going to cover you for every single thing that could possibly happen on your holiday. The prudent traveller will ensure, however, that what he or she needs to be covered for will be.

For example, does the policy allow you to participate in “adventure activities”? If you’re going bungee jumping in New Zealand or white-water rafting in Canada, make sure your insurer knows about it and will cover you for accidents occurring during such activities.

Is your luggage excluded if left unattended? What does “left unattended” mean? What if you leave it in a taxi? What if you walk two metres from it to buy a chocolate bar from a vending machine?

It’s a good idea to also familiarise yourself with claims procedures before departing so as to avoid the “paper frenzy” in the event of an accident. Some policies have a time limit for reporting claims. In some cases, the incident must be reported to local authorities within twenty-four hours in order to claim.

Be aware too that some countries may not recognise all insurance companies. This could pose a problem if hospitalisation is required. If the insurer isn’t recognised in that country you may not get hospital treatment. Make sure that the insurer has a global reputation.

It’s very expensive to be injured overseas. For instance, medical evacuation from the United States to Australia can cost anything from $80,000.00 upwards. If a stay in hospital is required, the bill could run into hundreds of thousands of dollars. And you thought shopping in Beverly Hills would be fun….

It’s also dangerous to be injured overseas, particularly in countries where medical facilities may not be as well equipped as at home. Again, the evacuation costs can run into many thousands of dollars – and no insurance means a lifetime of debt.

Travelling without the right travel insurance is like walking a tightrope without a net. Sure, it can be done, but one tiny slip and it’s too late for “If only”s. And chances are, it will be your loved ones at home who will mortgage their houses, cash in their superannuation and face considerable financial hardship in order to bring you back to the fold.

All in all, travel insurance is one thing you should definitely not leave home without!

Saving Your Vacation – Why You Should Consider Travel Insurance

If you are ready to book a vacation deal for you and your family, one thing you may want to consider is whether or not you need to invest in travel insurance. Many travel agents will tell you that you should always have travel insurance, just in case, to make sure you can get your money back for all those hotel reservations, airline tickets and travel tours, but you may be wondering if you really need it.

There are many things that could happen to make travel insurance a necessity. Some may relate to you, such as an illness that limits your ability to travel. Others may be things that are totally out of your control, such as an airline that goes out of business and leaves you with no flight at the airport. If you have travel insurance you will be able to recoup your expenses. Anyone who has ever found him or her self in such a situation likely thinks travel insurance is worth its weight in gold.

What if something happens to you when you are already traveling? If you are in a foreign country and are injured, it is possible that your medical insurance will not cover your expenses. If you have travel insurance it will cover the cost of your treatments for whatever medical issue you are experiencing.

Another consideration that no one wants to think about is if there is another terrorist attack. When 9-11 occurred, many people started to have second thoughts about traveling to countries where terrorism had occurred or where regular terrorist instances were likely. Just because an area is threatened by violence does not mean the airlines have to give you any of your money back if you decide not to fly, unless you have travel insurance.

There are many other things that may cause a flight to be cancelled. From weather to an airline strike, there are a lot of things that can happen to stop you from getting to go on a flight that you had paid for. If a flight is not rescheduled, it is possible that the airline will not offer a refund. This is another time travel insurance will come in handy, helping you get your money back if your flight does not take off, no matter the reason.

There is little worse than getting to your destination only to find your luggage has not made the trek with you. Sometimes the bag will turn up. Other times, it is lost for good. Travel insurance can lessen the impact of this loss by insuring the items that are inside your suitcase so you can replace what you have lost.

If you have decided travel insurance is the way to go, make sure to do a little research before you buy. Not all travel insurance plans are alike, and you should look through the offerings of a number of companies before settling on just one. Also, if you are a regular traveler, you may even want to look into a long-term travel insurance police.

Elephant Insurance: Best Solution For Automobile, Home And Travel Insurance

Elephant Insurance Company offers you exclusively wide range of insurance products for automobiles including motorbikes, scooters, mopeds, cruisers, scooters, cars and trucks. Besides, it also covers other fields of insurance like home insurance. It has more than 35,000 satisfied clients. The company is a topmost online insurance provider and had started its operations during the year 2000.

The company has a policy to distribute their savings to its clients by offering lower rates for insurance as compared with other insurance providers. Elephant Insurance has also joined hands with many insurance comparison websites and offers you the finest possible insurance prices. You can save a lot of time and money, if you opt for insurance policy with Elephant insurance for your motorbike.

Elephant insurance covers the risks of damages or losses caused by fire and theft. Their policies take care of the cost of any associated legal expenses. The company gives you a set of questions to answer when you have to select a policy. On the basis of your replies, the company offers you an insurance policy that will meet your specific needs at the lowest price.

There is also support provided by telephone lines to provide you service and information about the insurance policies. Elephant insurance has insurance products for buildings and home insurance as well available at very attractive prices. These plans mostly come under home insurance and are available online. You can get inexpensive offers for both self-owned or rented homes. The insurance covers provide protection against risks of fire, theft, floods, storms, earthquakes, etc. The materials such as glass, ceramics, pipes, etc, are covered for accidental damages.

Even the electrical and electronic appliances like audio and video gadgets and personal computers are covered against damage or theft. The company has specialized plans for travel insurance. These policies are useful for you when you travel on vacation with your family or on a business tour. The company provides 24×7 supports for any emergency including an excellent protection for any medical expenses. In addition, the personal accidental coverage is also included in the travel insurance package.

Elephant insurance has policies for commercial vehicle insurance as well. Their exclusive car insurance policies provide cover for all costs of repairs in case of an unfortunate event of an accident. The cover is valid for both electrical and mechanical failures. The cost of replaced parts and labor charges are compensated. Elephant insurance is also associated with a company named Warranty Direct that provides insurance cover for the broken and otherwise uninsured components. Their charges are quite low as the warranties are directly sold.

There are Multi-car insurance policies also available with Elephant insurance for those who possess more number of cars. They can strike the best insurance cover deals, which are most economical and avail the maximum discounts. These policies also comprise the benefits of legal protection and cover for personal injuries in case of an accident. Other advantages include free repair of windscreen and stereo covers for car as an additional benefits.