• International Insurance Blog

  • Saturday, March 17, 2018

In this post of the series on holiday travel and international travel insurance, let us look at how one can ensure a great holidays even when away from home. Many families with friends and relatives in a different continent (most popularly, Europe) travel overseas to spend Christmas and New Year abroad. Of course, one of the things you must purchase, before a Europe-worthy wardrobe, is international travel health insurance.

Also remember the following tips when traveling abroad during Christmas season: If you’ll be staying at people’s houses over the holiday, remember to pack in a few extra mementos or Christmas presents from your home country. Remember to not wrap any presents before your flight—you never know what will be checked by customs. If your schedule is packed, you may want to keep the "important" presents in your carry-on luggage.

Once you arrive at the destination, remember that your traditional Christmas may be different than your hosts’. Be open about different traditions, and do not try to enforce your traditions on them. If there are any new dishes that you are served, ask about their ingredients, if you or your children have food allergies. Illnesses arising from food allergies may not be covered under your insurance.

If you are traveling with kids, ensure that there is some part of the festival that they can connect with—maybe attending Midnight Mass, or singing a family favorite. If you have a packed schedule, ensure that you still set aside some time to stop and smell the spirit of Christmas all around you!

Holidays are here, and it’s time to keep worries about your weight away—it is, after all, the time for feasting, not fasting! If you’re traveling abroad this holiday season, remember to purchase international travel health insurance, to ensure that your holiday remains stress-free.

It’s also time to remember that holiday parties are known for heavy drinking, and it is easy to be brave and take the car for a spin. If you are unfortunately in an accident, you might be tempted to think that you are covered because your schedule of benefits covers accidental death and dismemberment.

If you are determined to have been under the influence of alcohol at the time of the accident, your policy will not cover the accident and resulting injuries. Many policies also exclude situations where the insured is involved in motorcycle riding, whether under the influence of alcohol or not.

If you will be riding a motorcycle at your destination, check that your insurance does not exclude it. If it does, you might be able to get coverage by purchasing additional hazardous sports coverage, which many plans offer. Also remember to familiarize yourself with the road rules of the destination, and to ensure that you are legally allowed to drive at the destination.

It’s time for that annual vacation—the delayed flights, the endless wait at the baggage carousel, and sleep-deprived passengers just waiting for their holidays to actually begin. The international travel insurance industry estimates that 32.8 million bags were lost last year, and the holiday season is one of the worst periods for lost baggage.

So, is there anything a passenger can do to minimize the fallout of lost baggage? First, experts say, is purchasing travel insurance with lost baggage benefits. This will help defray any additional expenses that may arise due to the baggage not arriving on time.

The most overlooked aspect of boarding a flight is reaching the airport on time. Ensure that you reach the airport with plenty of time, so that your baggage has time too. Also ensure that all earlier tags and barcodes are stripped off your luggage. It is also a good idea to use some distinctive markings to ensure that your luggage stands out.

Make a list of items inside your luggage and keep one inside the luggage, and one with you. It will help if your luggage needs to be matched with unidentified items. Remember too, to keep your most important items (camera, jewelry, prescription drugs, etc) in your carry-on luggage. And enjoy a hassle-free holiday!

Missionary insurance is but a part of the whole mission preparation list. While it is important that you purchase insurance for your mission—regardless of whether the mission is short- or long-term—it is also a fact that it is better to be safe and not fall ill in the first place.

If the mission is your maiden venture, you want to start preparation at least six months in advance. Remember that if you will be away from home for over a year, you might want to consider leasing or sub-leasing your home out.

About six months ahead of your planned mission, collect information about visa procedures and about immunizations and vaccinations required. If your group leader is organizing the visas, make sure that you have all the supporting documentation. This is also a good time to shop for and purchase mission insurance or extra riders to the standard insurance if your mission is sponsoring your insurance.

About two weeks ahead of departure, you want to ensure that your luggage is below the maximum allowable weight for the carrier, and also that you are up-to-date with vaccinations. A couple of days before departure, confirm your flight. The day of departure, ensure that you reach the airport on time!

Not all international travel is for leisure, and specialized insurance plans such as marine crew insurance takes care of the insurance needs of the crew of seafaring vessels. These plans are usually available in short-term and long-term versions, with coverage extending to the home country as well.

One such plan is the Global Crew Medical Insurance, offered by the International Medical Group. Rated A (excellent) by A.M. Best and Company, the plan features a lifetime maximum benefit of $5 million, with two plan options: for worldwide coverage, and for worldwide coverage excluding the United States and Canada.

Some of the plan’s highlights include coverage for hospitalization, surgery, consultation, prescription medicines, transplants, and ambulance services. The plan also offers benefits for emergency medical evacuation and $25,000 toward repatriation of remains. Previously existing conditions can be purchased under the Global Crew Medical Insurance plan after 24 months of continuous coverage, and maternity is covered on the purchase of the optional maternity rider.

To be eligible for the plan, you must be a full-time crew on a vessel that is expected to spend a considerable amount of time outside U.S. territorial waters, and you must also be less than 75 years of age.

Let’s say you’re the next Pele. Or aiming a bit lower, that your success at your profession depends on your being able to move. Sometimes, international travel health insurance is just not enough. You know that the accidental death or dismemberment benefit of $50,000 will not adequately cover your family.

Fortunately, you can purchase extra insurance in the form of a high-limit ADD insurance policy, which can insure you for up to 10 times your declared annual income. One such plan, the High Limit Accident Insurance plan administered by Petersons International Underwriter, provides that extra coverage with three types of plans.

While the 24-Hour Coverage plan includes coverage for both air travel and travel by common carrier, Common Carrier Coverage and Air Travel-Only Coverage are self-explanatory. Air Travel-Only Coverage includes all certified air transport vehicles, including military air transport.

The benefits of the plan range from Accidental Death only, Accidental Death and Dismemberment, and AD&D and Sudden Cardiac Arrest. The third benefit also provides coverage for death of a plan holder up to 72 hours after the sudden onset of a cardiac arrest, and is available only with the 24-Hour Coverage plan. The plan premium varies by coverage desired.

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International Medical Insurance - Short Term
International Health Insurance - Long Term
Trip Cancellation Insurance


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