Holidays can be dangerous occasions - especially abroad. If someone falls ill it is much more difficult than it would be at home to cope with the situation. Medical treatment is expensive.
Don't Leave Home Without it - But DO Read the fine Print.
Whether or not to buy travel insurance has become less of a question than it once was due to bankruptcies of airlines and tour operators, non-refundable air fares, health factors, incidents of terrorism, and natural disasters like earthquakes and hurricanes. Insurance plans may be comprehensive, while others can allow you to buy a specific type of coverage. Deciding what travel insurance to buy, and for how much, can be a daunting process. Here are some factors to consider:
Primary elements of travel insurance include trip cancellation, trip interruption, accidental death or dismemberment, medical/dental coverage, transportation to adequate medical facilities, loss of luggage or personal possessions, and protection against the default or bankruptcy of the supplier. Other insurance options can include personal liability coverage for damages, legal defence, repatriation of remains, bad weather and many other contingencies.
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Shop around, conditions and costs vary. Homeowner policies often include limited coverage for losses away from home. Medical and auto insurance policies may also provide some coverage. Double coverage doesn't bring double protection. Insurers have a provision to prevent duplication of payment and communicate with each other to pinpoint the extent of their obligation to you.
Excluded from coverage may be acts of terrorism and hijacking. The result of declared or undeclared war, may be under war-risk provisions. Again, there may be variations in interpretation, so check the wording carefully. Find out if there are any countries where the insurer declines coverage.
Protect your bubble is a new kind of insurance company. We understand that 21st century lives are busy and complicated and so we have created an online service that makes insurance simple and uncomplicated. Our range of insurance products have been specifically tailored to offer protection in a fast changing, modern world, so that our customers have total peace of mind that if the unexpected happens, the cover and support they need is in place and immediately available.
Although travel agents sell travel insurance and receive commissions, they are not insurance agents and may not understand all the ramifications of a policy. Ask the travel agent to check any or all questions you may have or call the insurance company yourself.
Overall, you should read all the fine print [granted, not always easy] and ask a lot of questions. The more you know up front, the fewer hassles you will encounter if you need to file a claim.
When Things Go Wrong
No matter how careful you are, things just go wrong. When they do, it pays to be prepared.
Special Custom Travel
It can be scary to venture into the world, but when planning a trip, make sure you are prepared for any spontaneous inspirations while exploring the planet. Explore new places, meet new people, try new foods and learn things about the world and yourself - that you never imagined were possible.
If your passport is lost or stolen, contact the nearest embassy or consulate immediately [this is when a photocopy of your passport details and visas can make a big difference in obtaining a replacement passport quickly]
If your money, travellers cheques or credit cards are lost or stolen, phone your bank immediately to cancel the cards and notify your travellers cheque provider. Travellers cheques can usually be replaced within 24 hours. You can get money wired to you quickly via services such as Western Union. Alternatively, you can have money transferred to you through your bank, but this can take a few days.
Whenever your documents, money or luggage are lost or stolen, it's important to file a report with the nearest police station, noting as far as possible the individual items that have gone missing and providing serial numbers and other details that might aid in identification. It is essential to keep a copy of the report as you will need it for your insurer to pay your claim when you return home.
If you are ill and have to seek emergency medical attention, evacuation or you're hospitalised, initially you may not have much choice in your standard or place of care. It's vital that you contact your insurer immediately so they can make contact with family back home and ensure you are properly cared for.
From coral reefs, fishes and colorful varieties of sea creatures, you can truly enjoy the experience of a diving adventure.
The world is worth seeing
Travel books are good for the initial "big picture" trip planning, but not for the details. Through our pages we try to bring you a taste of the Exotic.
For all those little tip that help make any holiday enjoyable
"Without Animals there is no Paradise"