Resumo de Travel Insurance

Travel InsuranceTravel and tourism make up one of the world's largest industries. When we Travel from home, we face risks which we don't have to deal with in our normal home environment: · After we have made our plans and purchased our tickets, our own ill-health, or that of a close relative may prevent our planned trip. Although we may suffer the disappointment, trip cancellation Insurance can help us recover the cost of the tickets; · When we travel, our baggage is often taken from us. Occasionally, through theft or just plain loss by a transportation carrier, our baggage may never be seen again. Again, we suffer inconvenience and perhaps disappointment, but proper baggage insurance can allow us to recover our financial loss; · While away, whether through an accident or an illness striking us, we can suffer inconvenience, pain, and disappointment. Thankfully, with good excess health insurance we can avoid the financial expenses which can charged by the health services in other places - and these bills can be staggering.Some travellers prefer to set off on a journey of exploration with out a set itinerary, agenda or even particular destinations. These independent & backpacker travellers have some unique insurance requirements. As they travel, they may need to extend their insurance, if their journey is longer than expected. Their program needs to allow for this. Communicating with their insurance provider, whether for a claim or for coverage extensions or other changes, needs to be simple and reliable. The Internet has become almost ubiquitous, and provides the best approach. Many people are asked to travel to international destinations by their employers, or travel their on their own business as independent business people. Such travelers have a set of insurance needs which differ from those of a tourist.When you decide to buy insurance, the sales organization - broker, agent, company - must be licensed to do so in your province. If you don't wish to buy on-line or through a company call centre, you should look for representation in your province. Most sites will help you locate local representatives, otherwise use any sites we have listed within your province or territory, or go to our directory and look for "Brokers - Life" or "Insurers - Life".Travel insurance policies provide at least five types of coverage, intended for different types of travellers and trips: Comprehensive travel medical insurance is for people who don't have any other medical insurance, even at home. Since most people who can afford it have health care coverage in their home country, often through their employer, comprehensive travel medical insurance is mainly of interest to long-term travelers who've left their jobs and lost their insurance coverage at home, or to those living and working outside their country of citizenship or permanent residence. Emergency travel medical insurance is for people who have medical coverage at home, but whose health plan at home doesn't cover them while they are travelling. Emergency travel medical insurance only covers emergency services abroad; once you get home, you're on your own (or presumably, back under your regular home coverage) for any necessary follow-up treatment or continuing care. Most health insurance plans and health maintenance organizations in the USA include their own provisions for emergency care while abroad, at least for trips of less than 30 days. Medical evacuation insurance covers the cost of an air ambulance, attending physician and nurse, etc. if you are so badly injured, or become so ill, that you can't come home (or get to a suitable medical facility) on a scheduled commercial passenger flight. Medical evacuations can cost tens of thousands of dollars, but are rarely necessary. Even very badly injured travellers usually can come home on regular flights after no more than a couple of weeks of emergency treatment and stabilization abroad. Trip cancellation and inteinsurance covers the cancellation or refund penalties and the cost of getting home if you have to cancel your trip, or cut it short, for specified reasons. The covered reasons vary (read the fine print), but typically include injury or illness to you, a travelling companion, or a member of your immediate familySupplier default insurance covers any money you lose because of the bankruptcy of an airline, cruise line, tour operator, or other provider of travel services. Supplier default coverage has been drastically cut back since 11 September 2001. Some travel insurance companies no longer offer it at all, while others pick and choose which travel suppliers they will insure. Source of travel insuranceWhere do you find this sort of insurance? Some travel agencies and travel suppliers offer travel insurance as an option along with travels services you buy from them some regular insurance agents handle travel insurance, especially long-term comprehensive travel medical insurance. If you're travelling for six months or more, or if you plan to travel regularly throughout the year, it may be cheaper to include travel coverage with your regular health coverage. You can also get travel insurance from specialists in the field. These include travel insurance companies, direct providers of medevac and travel emergency services, and independent travel insurance brokers and agencies that can help you compare the offerings of different insurers. Following are some of those I know of, with the types of coverage or services they offer.

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