A Closer Look at Travel Insurance

Purchasing the right travel insurance is not an easy choice to make. Despite the many different risks they may face when travelling, some people refuse to take out travel health plans because they think that not all trips are worth insuring. But no matter what type of trip you’re taking, it is always best to purchase travel insurance before going on a vacation.
 
Individual health insurance carriers, travel insurance specialists, credit card companies, and travel agents are just some of the establishments that offer travel insurance. Before purchasing travel insurance, it is a must for consumers to check what vacation-related incidents are already covered by their health and auto insurance. This is very important because purchasing extra insurance without first noting the risks already covered by primary insurance could just be a waste of money.
 
Flight insurance policies could cost as little as $10; they provide coverage in case of death as a result of a plane crash. Typical comprehensive policies cost around 3% to 8% of the overall cost of the trip. One of the best features of travel insurance is its flexibility. Consumers can choose just the kind of coverage they feel they need.
 
So, what are the things to note before purchasing travel insurance? It’s just a matter of finding the balance between coverage and price, need versus budget. Try to shop around, like when you’re looking for typical insurance coverage. Expensive premiums don’t always offer the best coverage. Sometimes, there are cheaper premiums that offer the exact coverage needed. Take note of the policies offered by travel agencies. Most of the time, they cost more than regular travel insurance.

Association of Travel Insurance Intermediaries (ATII) Responds to UK Treasury Review on Travel Insurance
(PRWEB) February 28, 2007 -- In their response to the Treasury review on Travel Insurance, the Association of Travel Insurance Intermediaries has identified that the main area of concern is the inconsistency of point of sale material provided to prospective purchasers of travel insurance by both regulated and non regulated outlets.

ATII highlights concerns over sales of travel insurance
ATII highlights concerns over sales of travel insurance 1st March 2007 By Julia Chan Responding to the UK Treasury review on travel insurance, the Association of Travel Insurance Intermediaries has voiced its concern over the inconsistency of point of sale material for prospective purchasers of travel insurance by both regulated and non-regulated outlets.

BYU NewsNet - BYU Students, Rising Star Outreach Join Forces in India
After sitting in the hospital waiting room in Tamil Nadu, India all day, BYU student Emily Predmore was still waiting for treatment for Ashok, a little boy with tuberculosis. The doctor said they couldn't treat him because he didn't have insurance. But Predmore stayed and hoped for a miracle. Ashok lives with his parents in a leprosy colony in Tamil Nadu, India, and could not find treatment anywhere because of his social class. Without Predmore, he would have been turned away immediately. Predmore and Ashok met three years ago when Predmore, a sophomore majoring in international relations, traveled to India with Rising Star Outreach.

China: Amnesty International's New Report Reveals the Human Cost of the China Economic "Miracle"
(Washington, DC) - The millions of migrant laborers who are fueling China's economic growth are treated as an urban underclass, according to China Internal Migrants: Discrimination and Abuse - The Human Cost of an Economic "Miracle", a new report by Amnesty International. Despite recent reforms, these migrants are shut out of the health care system and state education, live in appalling, overcrowded conditions and are routinely exposed to some of the most exploitative working conditions.

Dengue emergency in Paraguay
Gastric dengue attacks vital organs - such as the liver, heart, lungs or brain - and can cause death within hours. Other patients died of dengue haemorrhagic fever, a variant which can lead to enlargement of the liver, and in some cases, circulatory failure. Doctors working in state-run hospitals are planning to hold a demonstration outside the health ministry on Friday, in protest at what they describe as government inefficiency. Private-sector doctors have accused the authorities of underestimating the impact of the outbreak, saying official figures represent 10% of real cases.

Different Types of Travel Insurance

Depending on the coverage needed, there are different kinds of travel insurance: trip protection, car rental or luggage protection, and medical coverage.
 
The health and medical insurance policy type of travel insurance provides coverage for medical and dental expenses caused by injury or illness during travel. Under this type is medical evacuation coverage, which is helpful when hospital transfer is necessary. Typically, this is bundled with medical coverage. However, it could also be purchased separately.
 
Another kind of medical coverage is the dismemberment and accidental death policy. This covers the duration of the vacation. Just like the usual life insurance policies, beneficiaries get a certain amount in case the policyholder dies.
 
With regard to medical policies, consumers need to check for issues about pre-existing medical conditions, as well as age limitations. Many policies have increased rates for senior citizens.
 
The second type of travel insurance is trip protection. Under this are cancellation coverage, delay coverage, and trip interruption protection.  With cancellation coverage, your prepaid expenses would be reimbursed if ever your trip were cancelled due to illness or death of a family member.  Delay coverage, on the other hand, takes care of transport delays. If flights are cancelled due to bad weather, delay coverage will shoulder your prepaid hotel expenses.  Last but not least under trip protection, an interruption protection provides coverage for travel company bankruptcy, airline strike, jury duty, or whatever reason that cuts your trip short.
 
As for the third type of travel insurance, luggage and car rental protection provides coverage for rental car accidents and missing/stolen baggage.
If you want to purchase any of these policies, be sure to choose the ones that provide travel assistance aside from the monetary coverage.
 

gemut.com - Travel Insurance
Before you buy a policy you must determine the extent of financial loss if your trip is canceled or interrupted. The first step is find out how much, if any, overseas coverage you already have under existing homeowners insurance and healthcare policies. For example, your homeowners insurance may reimburse for the value of personal property lost or stolen in Europe and your health insurer may pay for overseas medical costs. (Medicare customers, it should be noted, are not covered in foreign countries, though certain Medicare supplemental policies cover emergency medical services provided outside the U.S.

Getting Medical Travel Insurance

Medical insurance plans usually do not include coverage for medical issues that arise during a visit to foreign countries. However, health issues, such as illnesses and accidents, do arise. Travelers’ insurance guarantees that the insured need not worry about any of these possibilities during his/her trip to foreign countries.
 
Medical insurance companies offer several plans, including medical travel policies, which can assist a traveler with his/her medical needs when traveling. The cost of this kind of insurance policy varies, depending on the medical limits the insured person chooses and his/her age. Some medical travel insurance policies even cover trip interruption and evacuation benefits. Some offer one-year coverage while others offer shorter periods of coverage.
 
Another type of plan, the package travel insurance policy, covers more than just the traveler’s medical needs. It also offers assistance with lost passports, money transfers and some legal issues. The cost of this plan also varies depending on inclusions, age of the insured, cost of the trip and the length of the trip.
 
Travelers may also consider medical evacuation policies to be important. This type of travel insurance provides transportation to the closest hospital in the event of illness or accident. Other medical evacuation policies even cover transportation back to the United States.
 
In the event of a terrorist attack, some evacuation plans also allow the insured to cut short their vacation, cancel their insurance and receive reimbursement. So when obtaining travel insurance coverage for acts of terrorism should also be considered.
 
Since the cost of travelers insurance is usually 4%–8% of the insured person’s travel cost, it is best to explore the diverse coverage that insurance companies offer and find the one that best suits your needs.

Global Volunteer Network: Volunteer in Cambodia
The Global Volunteer Network currently has opportunities to teach conversational English through our partner organization in Cambodia. This will allow you to help students improve their English skills while at the same time immersing yourself in urban Cambodian life. .: The Program Volunteers will be working as language teachers in a school project which provides affordable conversational English language courses for students. The aim of this project is to raise money for a local NGO working to improve livelihoods in rural communities in Cambodia. Students pay a small fee to attend the classes. .

Gulfnews: Health care in nick of time
Emergency medical care came under scrutiny earlier this year when a 30-year-old Pakistani man died after being turned away from an emergency ward in Sharjah. As reported in Gulf News, the man suffered a heart attack and died after he was turned away from a hospital. But what constitutes an emergency? And what are the procedures followed in each emirate? Gulf News takes a closer look at emergency care in the UAE. ABU DHABI Government hospitals Emergency cases received at Al Mafraq Hospital are sorted and each patient is categorised and classified according to the severity of the case.

Health insurance during travel

Traveling is a great way to unwind and free your self from the confines of everyday living.  No one wants their special trips to be ruined by any worry, which is why it pays to be extra cautious when it comes to safety and health. After all, one travels to reach places and relax. With this, medical insurance has to be considered.
 
Before going on a journey, make sure to ask your health care provider about their coverage policy when it comes to trips. Your policy might only be applicable in your state alone and may not be valid if used for emergency room care, doctor visits, or medications outside your state. If your trip is within the U.S. only, take note of the providers, facilities, services, and facilities in the area in case of emergency, like sudden illness.
 
Undergoing medical treatment outside the US can be costly.  Even one’s arrival can carry risks.  For instance, if a foreign government denies your passport because of your health condition, you may spend up to $50,000 just for medical evacuation.
 
American health plans are often not accepted abroad.  Services of US programs like Medicare and Medicaid are strictly to be used within the country.  They also do not cover for expenses obtained outside the U.S. If your current health plan does not provide coverage for medical expenses outside the country, then you might consider purchasing a major medical plan or a short term health plan.
 
Some companies even offer health insurance designed for overseas travel.

Health tips for Austria
There are no specific inoculations or health precautions necessary for a trip to Austria. Reciprocal Health Agreements Members of the EU, citizens of the UK and Ireland receive free emergency hospital treatment in Austria on production of their passport, though there may be a charge for any medication. It is recommended to have a comprehensive travel and medical insurance as medical treatment is expensive in Austria. The sun and the cold are probably the worst enemies in Austria. Sunburns are easy to get in the mountains due to the combination of a thin atmosphere and reflection off snow, ice and/or water.

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NEW: Health Insurance Center
Health Insurance an Important Consideration When Traveling or Studying Overseas When planning international travel or overseas study, there are so many things to think about. One important consideration travelers frequently overlook is whether their health insurance coverage will protect them during their trip. Caps, Gowns, Diplomas and . Insurance! As soon as they doff their caps and gowns, many college graduates are no longer protected against medical catastrophes. What's worse, they (and their parents) often are unaware of this fact and don't even know that affordable, short-term medical insurance is readily available.

Register for an Alpine Ascents International Program
We are committed to helping climbers achieve their personal goals safely and enjoyably. Our adventures require a high level of physical fitness, good overall health, and some require prior outdoor and/or climbing experience. When registering for an Alpine Ascents Program, we ask you for this information to ensure that: we match individual needs and goals; you are qualified for the program; we garner the most effective and compatible teams for your particular trip. Registration The best way to reserve your space on a trip is to call our offices and place the deposit on a VISA/MC/AMEX.

Report: China's Migrants Face Abuse
Workers from China's vast rural hinterland are often forced to work overtime and are fined for infractions such as being late or not meeting production quotas, the London-based rights group said. Pay is also routinely withheld to keep migrants from changing jobs, a practice that has helped keep wages down despite rising demand for workers and annual economic growth of more than 10 percent, the report said.

Safety Abroad
The following is some general guidelines about staying safe abroad. Students should also refer to region-specific health and safety information in the ISEP Country Handbooks and at the US State Department's website at www.travel.state.gov. MONEY AND VALUABLES Students should take traveler's checks, cash, some host country currency (for use before you find somewhere to exchange money), and an ATM/debit card or a credit card with them. Automatic Teller Machines (ATMs) are widely available in most large cities. When traveling to more remote areas, take local currency with you.

Taking Extra Precautionary Measures While on the Road

Most people take travel insurance for granted. Some think that having individual health insurance will suffice in case something happens while they are on a trip. Truth of the matter is one should get travel insurance since there are certain health plans that have limited coverage.
 
If you are planning trips to local destinations, one might not need to purchase travel insurance anymore. However, if the trip is international, it would be smart to purchase travel insurance since most insurance companies do not have networks outside of the country.
 
Travel insurances cover illnesses, accidents, deaths and the like. The good thing about this type of insurance is that it also covers losses during one’s travel, such as baggage and personal belongings. Since there are also a lot of types of travel insurance, one should choose the best type of travel insurance he or she needs.
 
One of these is emergency medical assistance. This assistance will cover medical expenses that are not usually covered by one’s individual health insurance.
 
The terms of travel insurances are flexible and are varied to cater to the needs of the traveling individual. One can choose single trip insurances or those that are extended over a certain period of time.
 
Prices of travel insurances depend on different factors, such as the age of the person, the type of coverage, and the amount of the whole trip.

Teens postpone college for greater cause
"Weekdays I wake up with the sunrise at 6 a.m. No one needs an alarm clock here thanks to nature's dynamic duo, the neighborhood roosters and the sun. The roosters crow on the hour here, from about 3 a.m. to 8 a.m., and I've started using them as a crude snooze button. But first things first: I climb our guard tower to see Kilimanjaro in the sunrise." "I got stung by something that hurt but I have no idea what it was. I'm fine now, though. I have yet to find any jiggers in my feet, which are the things that crawl into your skin and lay eggs. I thought that was a stereotype before I came but apparently it's just no big deal here. So, great.

Terms & Conditions
'Checked Baggage' is any item accepted for carriage in the aircraft hold, including but not limited to suitcases, baby buggies, infant travel cots, car seats, rucksacks, tents and any mobility equipment such as, wheelchairs, scooters and walking frames. Large sports equipment and musical instruments are subject to separate charges and restrictions - see below. A Baggage Fee is charged for the carriage of each item of Checked Baggage. The Baggage Fee may be prepaid at the current discounted rate of €6.00/ 5.00 per item of baggage/per one way flight when making your reservation.

The reality of extremely vulnerable Iraqis in Lebanon, some cases
M. is a father of 5 children; he is 55 years old, married to Z. who is 48 years old. Their children are aged between 3 and 17 years. Three of them are attending school while the other 2 are working and taking care of the family. The family fled Iraq in January 2006 after experiencing ethnic persecution and due to increased insecurity. On their way to Lebanon, they faced a multitude of obstacles and accidents that caused them trauma especially for M., the father, who formerly had a career in commerce. He has been unable to find employment in Lebanon, and now depends on the income of his children.

TRAVEL HEALTH AND INSURANCE: SMART STEPS YOU CAN TAKE TO IMPROVE YOUR TRIP

Travel can be exciting, especially when it takes you to far-off places, and no one wants that thrill ruined by thinking about serious matter like health and safety.  However, it pays to take precautions and to at least consider the worst-case scenario if you are planning an extended trip away from home, whether in the US or overseas.  This applies especially to medical care and health insurance.
Before embarking on your trip, be sure to check with your insurance carrier about coverage extensions outside your usual area.  Your current policy may not cover medical costs incurred out of state for things like doctor visits, emergency room care or medications.  If you plan to stay within the US, be sure to have close at hand a list of covered providers, facilities and services in the area where you will be travelling in the event of a sudden illness or injury.
Obtaining medical treatment outside the United States can be expensive, and even simply arriving at your destination carries risks.  If a foreign government was to deny your passport because of an infection or other condition, medical evacuation can cost upwards of $50,000.  American medical insurance is usually not accepted overseas; Medicare and Medicaid are strictly US programs and do not provide coverage for costs sustained while travelling abroad.  If your current medical policy does not cover care outside the US you may want to consider purchasing a short term or major medical plan that does.
Along with short term policies, some companies also offer plans specifically designed to cover travel abroad.  Like short term or major medical coverage, these can be purchased in increments of time depending on the length of your trip—anywhere from a few days to six months.  Check online or with a trusted insurance or travel agent to review options, benefits and costs.
Aside from making sure your insurance coverage is in order, there are several other safety measures you can take that will make your trip more enjoyable.  If you have a medical condition that requires prescription medication you might want to carry a note from your physician describing your situation and any drugs you are currently prescribed, including the generic names for those medications.  Be sure to leave prescriptions in the original pharmacy packaging with the label clearly visible.  Check with the foreign embassy of the country where you’ll be staying to make sure your prescription is not an illegal narcotic there.  Pack your medications in your carry-on luggage and consider leaving a back-up supply in your checked baggage just in case.  If you wear eyeglasses or contacts, take an extra pair with you; pack these in your carry-on as well.  If you suffer from allergies or any other unique medical condition you should wear a medical alert bracelet or carry a letter from your physician indicating proper care procedures should you fall ill suddenly and not be able to communicate. 
In taking these few simple steps to plan your trip more completely, you can relax knowing that you will be taken care of in the event of an emergency.

Travel Nurses Provide One Solution...
America is in the midst of a nursing shortage that is expected to get worse as baby boomers age and the need for health care increases. Complicating the nursing shortage problem is the fact that nursing schools and universities across the country are having difficulty maintaining enrollment levels that remain insufficient to meet the projected demand for nursing care. Based on a recent survey, it is common knowledge that there is a nursing shortage and this is viewed as a serious issue. The study revealed that 75% of Americans think that the nursing shortage is a very real and very important health care concern.

Travel With PID
Travel With PID 1. Recommendations It is suggested that people with primary immunodeficiencies who are traveling abroad write in advance to hospitals on their itinerary in order to reconfirm their treatment procedure. In correspondence, the traveler should enquire about availability of immunoglobulins and costs that might be incurred. It is advisable to carry a supply of immunoglobulins for administration by a doctor or for self-infusion. It is important that the traveler carries documentation to show health status and the purpose of the drugs and other equipment carried.

Uncovered: the skiers who end up skating on thin ice
But after a slow start to the season, fresh snow is now falling in some areas, and this will prompt many of us to dig out our sunglasses and salopettes, and head for the slopes before the season ends in April. Thanks to low-cost airlines and great exchange rates, more of us are opting for newer and cheaper destinations such as Bulgaria and Slovenia - although France and Switzerland remain firm favourites. But wherever you choose to ski or snowboard, the golden rule is always the same: buy insurance. While a few tumbles are par for the course, you could end up out of pocket in the event of a serious injury - unless you have adequate cover.