Travel Medical Insurance: Insure Your Health During Your Travel

by Henry Bell

Getting injured or falling sick is the last thing that anyone has in mind when one is planning for a holiday. But you should keep in mind that traveling anywhere entails risk. Even in the safest of journey, there is the possibility of falling ill or getting injured. All these can cost you hundreds and thousands of pounds and you will be left with a very little money for your traveling plan. To avoid this you need to purchase a travel medical insurance and thus let your finances be taken care of by this policy.

Simply put, medical treatments outside Europe can be costly and your normal travel or medical insurance might not give you an extensive coverage for all these treatments. Sometimes, even the cost of returning home at the time of illness can be very expensive. All these will be taken care of by travel medical insurance.

There are different types of covers of travel medical insurance and they are:

• The medical costs on your trips, cost of treatments and also the cost of medicine.

• Travel medical insurance will also give you a coverage for medical evacuation to the nearest medical health facility.

• In case of death of any of the members of your group, your travel medical insurance will bear the cost of returning of the death body to one’s home country. Many a times your travel medical insurance policy will also bear the cost of another person along with the dead body.

But before buying any travel medical insurance, you need to read the policy document carefully. Many offers come attached with conditions. For example if you take unconventional medical treatments like ayurvedic and acupuncture, your travel medical insurance will not cover for the cost of these treatments.

You are also required to undertake a thorough research of the insurance market. You should compare various travel medical insurance quotes from various companies and later, on full satisfaction, you should get a policy. Nowadays, almost all insurance companies have their own websites, where the information regarding various travel medical insurance plans are available. So you can search for a suitable travel medical insurance policy from these websites at an instant. Without a travel medical insurance policy, an illness or an injury could not only ruin your vacation but also might land you up in severe financial crisis. So why wait for long? Go and get a travel medical insurance policy now.

About the Author:
Henry Bell is an author who can certainly identify the kind of insurance that you will need. To find travel medical insurance, medical insurance, building insurance, business insurance, holiday insurance in the UK visit http://www.insuranceb.co.uk

Selecting Travel Insurance Cover To Suit You

by Jonathan Hamber

Seasoned travelers will be well aware that having travel insurance is one of the best ways to protect your holiday and business trips from the unexpected. This is the best way to guarantee that your dream vacation does not turn into your worst nightmare. As a general rule, travelers should read the policy wording or ask their insurer if in doubt as to what benefits are included before they buy travel insurance cover. The following are a few questions that are worth considering though to ensure that you end up with the most appropriate and cost effective cover.
What are you taking with you? Travel insurance cover often has maximum per item claim limits as well as maximum total claim limits for luggage so do a mental inventory of what you are taking with you and check whether the cover provided by the policy will be sufficient. Some insurers will allow you to buy additional travel cover if required. It is also good practice to keep a record of items and belongings that you are taking with you before you travel - with receipts if possible.

Will you be driving a rental vehicle? If you are driving a rental vehicle it is advisable to ensure that rental excess cover is included before buying travel insurance. Keep in mind that you will be driving on roads you don't know, potentially on the 'wrong' side of the road, potentially with changed road rules, and potentially in conditions you are not used to.

Are you covered for any existing medical conditions? Cover for existing medical conditions is generally not included when you buy travel insurance. This means that you may not be able to make any claims stemming from or related to existing medical conditions. [Some insurers do provide automatic cover for some medical conditions - travelers should check the policy wording for more information.] Generally it is necessary to apply for travel insurance cover for existing medical conditions - if accepted it will generally mean a loading amount is payable but you will get the extra cover.

Are there limits to the cover? General exclusions are common and will be defined in the product disclosure statement and/or policy wording. These exclusions are generally fairly standard, but compare the travel insurance company you intend to purchase cover with against other insurers. Be aware of what you will be covered for and what you will not be covered for. Typical exclusions may include war, acts of terrorism, existing medical conditions and unattended luggage.

Does it include features that you don't need? Unnecessary features will drive up the cost of travel insurance, so think about what you are want cover for and what you don't want cover for. By shopping around you should be able to find a level of insurance cover that suits you. It can also be worthwhile looking for travel insurance online and avoid the high commissions paid to travel agents that only drive up the cost of cover to you.

About the Author
David Wright writes for Travel Insurance Cover, a premium provider of discount insurance cover for holiday and business travel.