How Does Travel Insurance Works

How Does Travel

Insurance Works

Travel Insurance www.ZTravelInsurance.com

http://www.ztravelinsurance.com/

How Does Travel Insurance Works 1

Travel Insurance Basics You

Need to Know before you Travel 5

Preparing Travel Documents for

your Trip Abroad 11

TABLE OF CONTENTS

How Does How Does How Does

Travel Insurance Travel Insurance Travel Insurance

Works?Works?Works?

Page 1

Vis i tors Heal th Insurance

V is i t us at www.Nriol .net

Most people are aware that traveling requires them to

acquire a certain type of insurance policy that is more

specifically known as travel insurance. However,

most people don’t really understand how this policy

works. By equipping yourself with thorough

understanding about travel insurance policies, it would

be easier for you to make smart decision when the need

for you to buy this type insurance arises.

What is Travel Insurance? What is Travel Insurance? What is Travel Insurance?

Travel insurance, which is also known as holiday or

visitor’s insurance, is a type of policy designed to

provide financial protection and support to travelers in

case a misfortune happen during their trip. This policy

covers the policyholder for a certain amount of time,

ideally throughout the duration of the trip. It gives

protection against circumstances such as accidents,

injuries, illnesses, delayed flights, cancelled trips, and

lost baggage, among many others. In the event that any

of these scenarios occur, the insurance company will

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give monetary support to the insurance policy holder.

How Does Travel Insurance Work?How Does Travel Insurance Work?How Does Travel Insurance Work?

First, a traveler will buy an insurance policy from an

insurance company. The traveler will sign a contract

wherein it is stipulated the insurance company will

give monetary support in case of unfortunate events.

These unfortunate events will be discussed in detail in

the contract so that if one of these happens, the policy

holder can make a claim o the policy.

What are the Different Types of What are the Different Types of What are the Different Types of

Travel Insurance? Travel Insurance? Travel Insurance?

Insurance policies come in all shapes and sizes. Each

type has its own set of inclusions. Common examples

of travel insurance include health insurance for

international students, visitor medical insurance,

short term travel insurance, long term travel insurance,

travel insurance for families, travel insurance for



http://www.zinternationalstudent.com/



Page 3



families, travel insurance for elderly, and travel

insurance for people with pre-existing medical

conditions. It is important that you get to know each

option so that you can pick one that is most appropriate

for you.

What Does Travel Insurance Cover?What Does Travel Insurance Cover?What Does Travel Insurance Cover?

The coverage of each travel insurance differs per

policy but most of them give the following benefits:

Medical and health coverage to take care of

treatment costs and medical expenses if the

policyholder becomes sick during the trip

Loss and theft coverage to pay for the monetary

loss of the policyholder if any of his/her valuables

are stolen or lost (e.g. baggage loss, passport and

visa loss, and so on)

Trip cancellation or delay to give compensation for

flights or travels that have been cancelled, delayed,

or missed.


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Travel Insurance TipsTravel Insurance TipsTravel Insurance Tips

Before you go out and buy your travel insurance for

your upcoming vacation, see to it that you exhaust all

means possible to compare the rates and deals in the

market. This way, you can be sure that you will end up

with the one that will give you the best value for your

money. Also, see to it that you always keep all your

travel insurance documents with you when you travel.

Never leave the hotel without it. If you’re going to

make a claim, contact the insurance company

immediately and submit requirements like medical

records, police reports, and so on.



Travel Insurance

Basics You Need to

Know

Before You Travel

Page 6



Traveling abroad has many perks. For one, you get to see spectacular sights you don’t normally see everyday. Apart from that, you also get to meet new people, experience different culture, and learn about so many valuable things including a place’s history and heritage. Moreover, during a vacation, you will not only get the relaxation that you need, you also get to do different kinds of activities that will give you a rush like no other. It is for these reasons why people constantly have that inherent urge to go places. Now before you pack your bags and get on to the

next flight available, you have to remember that

traveling is not all about fun and excitement. It also

requires careful planning and preparation if you

want your journey to be a safe and successful one.

One of the things that you would definitely need to

plan for is the travel insurance. Travel insurance is

like a financial “safety net” that protects you from

various kinds of adverse scenarios that can happen



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during your trip. In order for you to make a smart choice when you purchase a travel insurance, here are the top things that you should know about:

Travel Insurance Travel Insurance Travel Insurance CoverageCoverageCoverage

A good travel insurance policy will cover all sorts of misfortunes ranging from minor ones like minor illnesses, insect bites, mild injuries to major catastrophes like broken limbs, serious accidents, medical bills, and emergency evacuation. Apart from illnesses and accidents, a policy should also cover lost baggage, delayed flights, cancelled flights, and so on. The policy should compensate for whatever monetary loss, inconvenience, pain and suffering that you have endured because of these circumstances.



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Exclusions in the CoverageExclusions in the CoverageExclusions in the Coverage Insurance coverage differs per policy. But usually,

insurance don’t cover chemical attacks, injuries

caused acts of terrorism, civil war, or commotion,

illnesses due to alcohol or illegal drug use, injuries

caused by dangerous or extreme sports, attacks

from pre-existing medical records such as diabetes

or hypertension.

Insurance Travel TipsInsurance Travel TipsInsurance Travel Tips

Purchase travel insurance prior to your trip. It is always best to buy insurance before you even book your vacation. This way, you can be covered for any possible unfortunate event that may arise even before you vacation begins.

Study your options. There are many kinds of

travel insurance, which include but are not limited to international student insurance,



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visitor health insurance, insurance for senior citizen, insurance for people with pre-existing medical conditions, and so on. It is important that you study all the options available along with the costs and inclusions so you can choose the policy appropriate for you.

Keep a photocopy of all your travel insurance

documents when you travel. In the event of a medical emergency or accident,

you need to submit the following information to the insurance company: police reports, medical bills, doctors’ reports, boarding passes and tickets, and so on.

See to it that you have the necessary travel

insurance company information with you before you travel. You should have the number to the company’s 24-hour emergency hotline.



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These are just few of the many things that you need

to know about travel insurance. Make sure that you

thoroughly study about it before you go on with

your trip.


Preparing

Travel Documents

for

Your Trip Abroad

Page 12



You have finally decided to go on a trip to take a

break from your life’s daily hustle and bustle. It’s

good for you and your health. After all, you’ve been

working so hard and you truly deserve a break. But

before you think that having a vacation is all about

the nicest things, you have to remember that it also

entails some kind of work that comes in the form of

planning and preparation. Preparing travel

documents is one of the most important things that

you need to accomplish prior to the trip. Knowing

what you should prepare and what you should do

would lessen the stress involved in this task. Here

are some of the travel documents that you cannot

leave home without.

Passport and VisasPassport and VisasPassport and Visas Wherever your destination is you will need a valid

passport, one that is not yet expired. Ideally, your

passport should be at least six months away from


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being expired when you travel. If you’re going out of the country, you may also need a visa depending on your destination. To get a visa, you need to apply for one at the consulate or embassy of the country located in your vicinity. For instance, if you are going to travel to Switzerland, you need to visit the Swiss Embassy in your location. It is important that you give yourself ample time for the visa and passport processing as these take time. Make sure to have the complete requirements for the visa application so you have better chances of getting your application approved.

Travel InsuranceTravel InsuranceTravel Insurance Travel insurance is another travel essential that

you need. Most visa applications require submission

of a travel insurance policy with sufficient coverage.

Some countries refuse entry if you do not have

travel insurance even if you have the proper visa. It

is also vital that you get the correct type of travel



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that you get the correct type of travel insurance for yourself. For example, if you don’t have any medical insurance, it is imperative that you purchase visitors health insurance. Now if your trip is not about pleasure but about taking up education in a foreign land, you must obtain international student health insurance.

Airline Tickets and Airline Tickets and Airline Tickets and Hotel AccommodationHotel AccommodationHotel Accommodation

See to it that you triple check for these documents

before you leave home. You won’t be able to step in

to the plane or stay at the hotel you booked a

reservation for if you do not have the necessary

travel documents with you. That is unless you have

your computer or cellphone with internet that carry

these documents digitally. Even so, you must have

the hard copies of these documents to be on the safe

side.





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List of Important Phone NumbersList of Important Phone NumbersList of Important Phone Numbers Many people neglect the importance of having a list

of important phone numbers. But when the

emergency arises, they wish they had it. Before you

leave home, create a list of the phone numbers of

who you should call in the event that travel

documents or credit cards get lost. These include

phone numbers of banks, credit card companies,

insurance companies and so on. You must also have

emergency phone numbers of your destination’s

hospitals, police stations, and so on. Finally, make a

list of the phone numbers that you should call back

home in case of an emergency. These include your

immediate family, trusted friends, and reliable

neighbors.


Next time… be prepared!

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