• 29
  Oct
  2010

• Students Heading Overseas for Holiday Break Can Save with International Student Health Insurance

  
  Filed Under: Blogging
  Author: Blog Contributor
  0 comments, add yours

The holiday break gives college students a chance to unwind from a strenuous semester of studying. For some, that means heading home to visit family. For others, that may mean an exciting vacation or even volunteer work overseas. If your holiday break plans involve overseas travel, be sure you are protected with international student health insurance.

While traveling internationally is certainly an exciting and enriching way to spend a vacation, there are many health risks associated with it as well. Fatigue from a long international flight can leave you more susceptible to illness, and your chances of illness will be increased with factors like new environments to get adjusted to.

The insurance plan you rely on in your home country will probably not cover you while overseas, so unless you already have an international student health insurance plan (which you might if you are in a study abroad program), you should certainly look into purchasing one. Otherwise, the bill for even the simplest doctor's visit may cost you hundreds of dollars.

This type of insurance covers students who are studying internationally or visiting another country during a break. It helps cover the cost of hospitalization, doctor’s visits, and prescription, amongst other things. That way, if you do have to visit the hospital during your vacation, you will not be stuck with a medical bill costing thousands of dollars. If you are watching your budget, and what student isn’t – this makes for a wise investment.

• 22
  Oct
  2010

• German Oktoberfest Travelers Need International Travel Insurance

  
  Filed Under: Blogging
  Author: Blog Contributor
  0 comments, add yours

The month of October brings about Oktoberfest celebrations in many areas. For those truly wanting an authentic Bavarian cultural experience, there is no better solution than to travel to Germany itself. If such a trip is on your agenda, be sure you purchase international travel insurance before leaving.

Any veteran international traveler will tell you that there are many unplanned problems that can arise during your trip. From medical issues to lost baggage to flight delays, even a well-thought-out vacation or business trip can end in disaster.

International travel insurance offers protection against many of these unforeseen problems. For example, if your luggage gets lost by the airline, your insurance policy will help cover the costs of purchasing the items you’ve lost. Or if your trip gets delayed or cancelled, or you need to cancel it yourself, you can add a trip cancellation policy to your plan to preserve the money you may have lost. Even a simple flight delay could cost you thousands of dollars if you miss a connecting flight, thanks to the cost of lost hotel reservations and booking a new flight.

Another area where this type of coverage really proves its value is in terms of your health. If you become sick or injured while traveling, this type of insurance covers doctor’s visits, hospitalization, prescriptions, and much more. Your normal insurance plan likely does not cover these needs when they occur in another country, so it is important to have an alternative solution, which is exactly what this insurance offers. While you can never plan to avoid every problem that could occur during travel, you can increase your protection against them.

• 15
  Oct
  2010

• Terror Attack Warnings Illustrate the Value of Trip Cancellation Insurance

  
  Filed Under: Blogging
  Author: Blog Contributor
  0 comments, add yours

You may have recently heard that in France, the government has issued a travel warning regarding the United Kingdom. Due to terror threats to the country, France is cautioning citizens who planned to travel there, leaving the travel plans of many citizens in jeopardy. Because you can never predict when such a warning might come, it is a good idea to always prepare for every trip with trip cancellation insurance.

While the government warnings do not prohibit citizens form traveling, it will certainly discourage a number of them from doing so, simply because of personal safety concerns. For many people, when the option is playing it conservative and safe or taking a risk, safety is the best choice.

What would you do in this situation? Would you cancel your trip and accommodations on short notice? If so, it is important that you have already purchased trip cancellation insurance, otherwise you will lose much if not all of your travel arrangements, including flight, hotel rooms, entertainment, and anything else you may have planned in advance.

However, in most instances if you were to cancel on short notice, you will lose all or early all of the money you have spent booking it. You’d lose the thousands of dollars invested in your trip, with nothing at all to show for it, just because you chose to take the safe route of traveling during a warning period. This is why trip cancellation policies exist: to give people a chance to protect the thousands of dollars they spend on travel when unforeseen events arise..

• 08
  Oct
  2010

• Ordering Yacht Crew Insurance Helps Save Money

  
  Filed Under: Blogging
  Author: Blog Contributor
  0 comments, add yours

Yacht crew insurance is special insurance designed specifically for the unique needs of people who make their living working at sea. Since these workers' jobs take them all over the world, many insurance policies are not adequate for their needs, which is why marine coverage was created. If you are considering investing in this type of insurance, try shopping online to save money.

One reason buying yacht crew insurance online saves money is that it gives you the chance to look over terms and conditions in detail. This way you know up front exactly what is and is not covered under your policy, which saves you the surprise of thinking something is covered, getting treated for it, and finding out later that it is not. You can also use the web to compare points of coverage between different plans, which allows you to make sure you buy the right coverage the first time, instead of buying one policy, finding out it falls short of your needs, and then having to buy a second one.

Another money-saving advantage of buying online is that you can compare prices from many different providers. Many insurance companies will provide prices online, and if they do not do so you may be able to request a quote via email. This will allow you get the lowest price on comparable levels of protection.

If you do not shop online, you may have less access to information that is not only important to the insurance-buying decision making process, but also important to saving money as well. Knowing the terms and conditions of policies, and being able to compare their prices, enables you to make smart comparisons and sound decisions that will save you money at the time of purchase and on each doctor's visit.