Europe Trip: Should I Purchase the Agent’s Visitors Insurance?

When you book your overseas trip with your agent, you might be offered a travel insurance policy as well. In some cases, especially with trips to the European Union, the agent may strongly recommend (or sometimes even unethically force you) to purchase an insurance policy from them. This is illegal. Remember that you can purchase the travel insurance that you need, and that you cannot be forced to purchase the plan from your agent. Also, however, remember that the European Union Travel Directive specifies that a travel organizer must offer you a quote for travel insurance “at the earliest available […]

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Trip Cancellation Insurance Prevents Financial Disappointment

No one likes to see their well-planned trip cancelled. Add to that the worry of the financial losses related to the cancellation, and the frustration can be overwhelming. Trip cancellation insurance helps offset the financial part of the cancelled trip. Trip cancellation insurance is especially useful when you book the best deals, which can save you a lot of money. But the fine print contains details that usually include the disclosure that the expenses are not refundable, in case the reservations are not used. Trip cancellation insurance steps in to protect your “investments” in the trip. Trip cancellation insurance covers […]

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Weathering Travel with Visitor Health Insurance

Flights to the U.S. are full these days, with those trying to maximize time with their near and dear. The weather is fine by U.S. standards, but as a visitor, you must know whether weather will affect you, if the trip is to be memorable for the right reasons. First and foremost, visitors insurance is not merely a luxury, it is almost a necessity. Medical care is expensive in the U.S., and it is best to be safe than sorry. Second, keep in mind the weather of your destination. Pack appropriate clothing. Check the average temperature at the destination during […]

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Don’t Overlook Travel Insurance for Visitors

Summer’s the perfect time for travel, and U.S. residents may play host to friends and family from other countries as well. Most travelers to the U.S. may purchase visitors insurance from their home country for coverage in the United States. However, sometimes, the U.S. trip might also contain a detour to another country. It is important to ensure coverage for those trips as well. Let’s say Mrs. Gupta, who purchased health insurance for tourists in India, has arrived on a 3-month trip to the U.S., where her son lives. She has also planned a trip to Canada, where her brother […]

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Packing International Student Insurance Along with Books

Students packing for their studies abroad are probably busy finishing off their shopping—making sure they have all they need for a familiar life when studying. One thing to definitely think about is foreign student health insurance. While most colleges offer some student insurance, colleges also allow students to purchase international student health insurance from other sources, provided they comply with certain basic coverage requirements. When a student falls ill (in a non-emergency situation), the first stop should be the student medical center. Care here is usually at a subsidized price, and many insurance plans require that the problem first be […]

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Help From The US Consulate In A Travel Emergency

If you as an American citizen become ill or are injured when abroad, US consular officials can assist in certain ways. But ultimately you are responsible for medical and other costs occurred abroad, which is why it’s important to have comprehensive travel insurance. Travel insurance and trip cancellation insurance are essentials to help cope in unexpected situations. If you become seriously ill abroad the US Consulate can help in finding appropriate medical care and inform relatives and friends at home if you are unable to do so. A consular officer can also help arrange a transfer of money from the […]

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Student Travel Insurance Benefits

When you are studying in the United States at college or university money is often tight. That’s why student travel insurance can help by offering a budget travel insurance option for your vacations and study abroad trips. The cost isn’t the only benefit to a special student travel insurance policy. Student travel insurance covers you for medical expenses, medical evacuation and accidental death & dismemberment whether your trip is for spring break, an educational retreat, a class trip or a vacation. Travel insurance for students is an economical way of paying for this essential coverage. Most student insurance policies require […]

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Safety Tips For Backpackers

Whether you are trekking around South East Asia or backpacking in Italy and France, you need to pay attention to your safety. First of all, worldwide travel insurance is essential. You can pick up reasonably priced world travel insurance policies for the amount of time you’ll be away. Plan your journey with the help of a good guidebook and the advice of friends who have also travelled. Book the first few nights’ accommodation in advance, particularly if you are travelling alone. Send your insurance details and other important information to your web email account so you can easily access it. […]

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Sending Money In An Emergency

Sometimes a friend or relative will get into trouble overseas or experience an emergency in a foreign country. If you need to get money to them quickly, the US State Department can help. However, travel insurance is essential. Encourage your family members to take out international travel insurance to help cover the costs of unforeseen problems. While the US Embassy can help transfer money, they cannot reimburse people for any money spent in an emergency situation. The US State Department, on request, sets up a secure account where you can deposit money. The person in trouble abroad can then contact […]

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Travel In Hurricane Season 2011

The US Department of State has issued its annual alert for Hurricane Season covering the Atlantic and Pacific Oceans and the Caribbean, plus the Gulf of Mexico. If you are planning a trip to these areas make sure you have international travel insurance and keep up to date with any alerts. Travel insurance is an essential, just in case you are unlucky enough to be affected by a hurricane. The hurricane season lasts from June 1 to November 30. The Climate Prediction Center at the National Oceanic and Atmospheric Administration predicts an above-normal season in 2011. This includes a 70% […]

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