• International Insurance Blog

  • Sunday, December 17, 2017

Question: I’m planning a really short trip to England, and don’t expect to do anything stressful. Should I disclose my nagging back pain on my international medical insurance application form? Will it increase my premium?

Answer: Filling out medical insurance forms can be overwhelming. While you don’t want to write about every little muscle pull and toothache that you have suffered in your life, you must never wilfully give incorrect information. Even if the insurance is for a short time, such as international medical insurance , be truthful in your application form.

Withholding information may lead to cancellation of your policy. Also, if a related problem crops up, or the undisclosed problem is detected when treating another medical condition, your international travel medical insurance is of no use. You will be hard-pressed to find insurance in a foreign land.

As for your travel insurance premium, that will usually not be affected. However, the conditions that you disclose will probably be excluded from coverage. Remember that your application is not the only way previously existing conditions can be detected. Medical records and your own body can give tell-tale signs of conditions. It’s better to be safe and disclose all the information that you have, before buying your international medical insurance. Bon Voyage!

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!
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.
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.
A recent study by the Institute of International Education indicates that the percentage of students taking up study abroad programs is increasing. While it’s a very heartening trend, students must be aware of foreign student insurance details before embarking on their trip.

As a first step, check with your study abroad office whether your current insurance will cover your stay abroad, and if so, the level of coverage. Remember to factor in changes in weather, temperature, and the kind of studies you will be doing. If you are going to be doing wildlife research in Africa, for instance, you may want to check for infectious diseases and other special coverage.

Remember to check the price of the college coverage, and compare it with other foreign insurance plans available. Get to know details of international health insurance plans before signing up for one.

Also connect with international students from your destination country to get a feel of the country. Is it flu season? Can you get painkillers over the counter? Also speak with study abroad scholars of earlier years. Did insurance actually work at the destination? Be better informed to tackle a new culture with a healthy mind and body!
Summer is gone, and the holiday season is not yet upon us. But this might just be a great time for international travel if you want to beat the crowds. The season is especially travel-friendly for backpackers.

To make your travel dollars work for you, consider the following before your trip:

  1. Saturday tickets. Unless you are really pressed for time, you can probably travel a day later. Saturday tickets are sometimes more than 20% cheaper than Friday or Sunday tickets.

  2. International travel insurance: Start shopping for international travel insurance deals, even if your trip is just for a week. You’re more likely to have the time to choose a perfect plan for you.

  3. Live with local flavour: For adventure lovers, try inexpensive options such as couchsurfing, where locals offer their couches for travellers, or youth hostels, many of which are extremely well-maintained.


Remember that a backpacking lifestyle calls for more diligence in choosing appropriate insurance. If you’re a backpacker and are looking to perform some adventurous sports, purchase the extra coverage. It will save you a lot of trouble and tension.

Also remember to check everything that might impact you at the destination—weather, temperatures, social customs, international insurance plan reimbursement, etc. before the trip.

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

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