WHY PURCHASE INTERNATIONAL HEALTH INSURANCE POLICIES November 1, 2009
Posted by janey in : Travel Related Sites , comments closedThe international travel and tourism sector has undergone meteoric growth and increasing popularity since the last century. Every year, thousands of tourists from all over the world choose to pursue their interests in sports, culture, business and academics by visiting foreign countries and cultures. The burgeoning travel industry has also ensured extended holiday trips for international travelers looking for a fun, exotic vacation.
Overseas tours and trips, however, require extremely careful planning and arrangement of travel itinerary and resources. Even an accidental injury, sickness or an unforeseen medical emergency can ruin a planned trip and jeopardize people’s lives, not to mention lay waste to a substantial amount of invested money. The international health insurance provides comprehensive health coverage that covers the travelers and the trip against these medical emergencies.
The international travel medical insurance policy could be purchased to provide long term or short term medical coverage during overseas trips. The policy coverage offered by long term insurance policies offer coverage valid for a minimum period of one year, providing global insurance coverage and exclusive travel assistance facilities. These policies often also entail specific benefits for accidental injuries, pre-conditions (subject to a waiting period) and pregnancy care.
The short term insurance policies provide coverage for a maximum period not exceeding 3 years, including some basic coverage in the home country. This policy arranges for immediate medical attention during emergencies like sudden illnesses, unforeseen ailments and injuries sustained in an accident.
Services like immediate hospitalization, medication and physician’s consultations during a medical emergency are also provided by the international health insurance. The policy also arranges for vital intensive care services and advanced diagnostics, when prescribed.
Obtaining good and responsive medical attention in a international land, during an emergency might prove to be a complicated and expensive process. The international health insurance policy offers prompt and decent medical response by professionally anticipating the urgency of a medical condition. The policy also offers crucial ancillary services like ambulance support and medical transport.
Vital services like medical evacuation, medical relocation and repatriation of mortal remains are also arranged by the insurance policy during a crisis. The above mentioned services, along with vital travel support benefits allow the customer diversified options regarding the best suitable policy for a particular trip. These policies are also extremely customizable and entail a lucid and secure online application procedure.
Reliability of the international health insurance policies is assured, with respected concerns like Lloyds, AIG and Nationwide underwriting these policies. Features like flexible customization options, dedicated 24 hour customer support and immediate medical response to emergencies make these policies the best companions to international travel.
TRAVEL INSURANCE - PATRIOT TRAVEL POLICY August 13, 2009
Posted by janey in : Travel Related Sites , comments closedPatriot Trip - Travel insurance plan is a beneficial trip cancellation insurance plan that comes into use when a pre-planned trip gets canceled under unforeseen circumstances. The insured can file for reimbursements for expenses incurred during the trip like travel reservations, emergency reunion, travel delays, personal baggage loss, repatriation of mortal remains in case of death of the insured, emergency evacuation and also any medical expenses incurred during the travel along with dental surgery expenses during the trip.
The patriot trip cancellation insurance plan can be bought if you are planning a vacation, especially in a group or with a family. In case the trip gets canceled, you can recover the unutilized payments or deposits which are non-refundable.
To be eligible for this travel medical insurance policy which includes trip cancellation coverage benefits, the minimum cost incurred by the traveler for the trip should be $500, the destination should be at least 120 miles away from the point of start and the duration of travel should not exceed 30 consecutive days.
Once the completed application form is submitted by the traveller along with the required payment, the trip cancellation benefit becomes effective from midnight. The travel insurance policy becomes valid right from the date you depart for the travel.
The patriot trip cancellation insurance validity ends on the date on which the insured returns (earlier or as planned), or till the coverage period ends as indicated in the trip cancellation insurance policy (whichever is earliest).
Full refund is possible after you buy the patriot travel insurance plan if you can cancel within 10 days of receiving the policy certificate and you have not started for your travel before these 10 days. You should have also not filed any claims under this travel insurance plan.
The premiums rates of this travel insurance plan varies between every individual and the calculation is based on certain factors like total cost of trip, age of the individual and the other travelers accompanying the insured during the trip.
Pre-existing conditions clause that is mentioned in any travel insurance policy document is waived off in case the insured is less than 70 years old and the travel medical insurance policy are bought within 14 days of booking the initial deposit to the travel agent. In addition, all the members who are part of the plan should be medically fit to travel on the date the Patriot Trip - Travel insurance is purchased.