9 tips Why should you get travel insurance

There are many reasons to purchase travel insurance. Here are just a few:

  1. If you don’t get travel insurance, you are taking the whole risk on yourself. Why not pass that onto the insurer’s shoulders.
  2. A serious sickness or injury can seriously jeopardize your finances. It is not unusual to see medical and evacuation expenses exceeding $100,000 USD.
  3. Many countries insist that you provide proof of medical coverage before they will grant a visa.
  4. Most domestic health insurers do not cover you when you leave your country of citizenship, so travel insurance is a necessity
  5. Many facilities will not treat you without proof of coverage or payment
  6. If you get injured or sick and you can’t get adequate medical treatment in the country or city you are visiting, who will pay for the evacuation to another country or back to your country of residence? You better have insurance because the costs involved in evacuation can be quite large.
  7. If you are purchasing an expensive vacation, cruise and/or airline ticket, doesn’t it make sense to protect that investment
  8. Peace of mind is a great reason to purchase travel insurance. Protect yourself and your family today!
  9. The financial impact of getting sick or injured abroad without insurance can be devastating.

Don’t take a chance on your next trip! Get an online quote today via our travel insurance quote page and receive an instant confirmation via web browser and email.  

Purchase baggage travel insurance

It has recently been noted in the news that the US Travel Insurance Association has urged Americans to purchase travel coverage for covering the delay. The Bureau of Transportation Statistics stated that the country’s largest airlines had a mishandled baggage rate of 7.35 reports per 1,000 passengers in the first three quarters of 2007. That is a lot of bags lost!

It is impossible to avoid the loss of you bags at some point in your traveling life. Sometimes the travel gods just conspire against you. Many travelers assume that the airlines must cover delayed baggage, but this is not usually the case. Airlines in the United States are usually liable up to $3,000 on domestic flights for damaged or lost baggage, but compensation for bagge delays in case of situations beyond the airline’s control, such as bad weather, is up to the individual airline carrier. Some carriers may just provide some simple toiletries and a small amount to cover other expenses. Finally, the delay may have to be over 20 days to constitute a delay.

That is why it is a good idea to get vacation insurance plan that covers baggage loss and delay. Some travel insurance suppliers offer baggage loss and delay insurance plans on their own.

If you are traveling, make sure that you leave expensive items that are above the baggage insurance maximum set by the insurer at home. You might want to keep that expensive watch or ring at home or in the safe deposit box.

If you have other things your would like to know about travel insurance, please contact us today.

Swine Flu Tips for Travelers

The recent swine flu or H1N1 epidemic that has caused a great deal of concern for people who plan to travel this year. The illness has also made purchasing travel insurance even more important.

To further assist you with information, the Centers for Disease Control (CDC) on its Web site, http://www.cdc.gov/, offers these precautionary tips on preventing the spread of the flu. Consult your doctor for more information or the CDC web site for up to date details and advice. Here are some quick tips that also apply to all flu and many other contagious illnesses:

Avoid close contact.
Avoid close contact with people who are sick. When you are sick, keep your distance from others to protect them from getting sick too.

Stay home when you are sick.
If possible, stay home from work, school, and errands when you are sick. You will help prevent others from catching your illness.

Cover your mouth and nose.
Cover your mouth and nose with a tissue when coughing or sneezing. It may prevent those around you from getting sick.

Clean your hands.
Washing your hands often will help protect you from germs.

Avoid touching your eyes, nose or mouth.
Germs are often spread when a person touches something that is contaminated with germs and then touches his or her eyes, nose, or mouth.

Practice other good health habits.
Get plenty of sleep, be physically active, manage your stress, drink plenty of fluids, and eat nutritious food.

Purchase travel Insurance before you travel.

Don’t take a chance on your next trip! Get an online quote today via our travel insurance quote page and receive an instant confirmation via web browser and email.