• 05
  Oct
  2009

• Travel Insurance: Is Your Baggage Getting Its Due?

  
  Filed Under: Blogging
  Author: Blog Writer
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You don’t want to carry baggage into a relationship, but you certainly want all your baggage on that trip to France! Especially that Louis Vitton bag! International travel insurance may not cover the true cost of your baggage. Do you need baggage insurance?

The answer depends. If you have a homeowner’s insurance policy, the loss of your baggage abroad may be covered. Check your home insurance policy. Also, unless you have something really valuable in those bags, you may be satisfied with the standard-issue insurance provided by your travel and/or your airline insurance. Remember that the airline baggage insurance ceases with the luggage carousel.

If you’re carrying a laptop for official purposes, your homeowner’s insurance will not pay for its loss. And consider the value of these common items whose value we sometimes tend to ignore: digital camera, laptop, mp3 player, mobile phone, designer clothes and luggage. If you think your luggage warrants it, purchase extra luggage insurance as part of your international insurance to enjoy your vacation a bit more.

Also consider your destination. Not all countries are alike, and if the crime rate and efficiency of the destination is questionable, it might be a better idea to be covered than discovered!

• 02
  Oct
  2009

• International Life Insurance for Peaceful Travel

  
  Filed Under: Blogging
  Author: Blog Writer
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International travel is quite commonplace today, as globalization takes center stage. In 2008, nearly 922 million international arrivals were recorded. However, the travel industry has seen a slowdown in recent times, what with the economy and the swine flu playing spoilsport. Auxiliary costs such as international travel insurance have also taken a backseat.

One of the costs that travelers seem to ignore is international life insurance. However, it not just makes sense, but is also imperative in many situations. With rising mortgage rates and the age of the average homeowner decreasing, it is necessary to ensure the future of your family.

International life insurance is especially recommended for executives who travel often, and for people whose work or pleasure requires them to indulge in risky activities. Companies may also want to purchase international life coverage for executives traveling abroad.

International life insurance can be purchased as a standalone policy, or along with international medical insurance. Most of these plans provide coverage against acts of war, terrorism, and offer benefits such as medical evacuation, emergency reunion, and permanent disability coverage.

• 01
  Oct
  2009

• Money-Back Guarantee for Your Trip

  
  Filed Under: Blogging
  Author: Blog Writer
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You’ve planned that great vacation in South Africa, and cannot wait to get there. You’ve also purchased international travel insurance, so that’s taken care of. Suddenly, your spouse falls ill, and it looks like the trip will not happen after all.

Tickets were booked at the lowest rate, so you’ll lose some money there, and the hotels do not offer refunds. In this situation, you wish you had checked the “Trip Cancellation” option in the travel insurance application form, don’t you? Most often, trip cancellation is offered as part of travel insurance, with a choice to opt out of it. It’s a safe and sensible thing to opt for, and it costs just a few dollars along with your insurance for international travel.

Trip cancellation insurance is used to safeguard against losses on non-refundable trip expenses such as tickets and some hotel bookings. The most common form of the insurance reimburses if the trip is cancelled due to an unforeseen event such as the death of a close family member. You can also purchase insurance to cover cancellation due to any reason, but it is typically more expensive.

Read the fine print carefully and shop around. Ask questions to explain, for example, how the terms “close family member” and “emergency” are defined by the policy. The best thing that trip cancellation insurance provides is peace of mind for a successful trip.