Dtm asked:

If you have special needs you must ensure that your special circumstances are covered by the policy you choose.

Pre-existing medical conditions

Most insurers do not automatically cover pre-existing medical illnesses or medical conditions. However traveler’s can apply for coverage for their pre-existing illness via an application, which is, then subject to approval and possible payment of a premium. Keep in mind there are illnesses and conditions that will not be covered under any circumstances. Some insurers offer automatic coverage for common illnesses/conditions such as tinnitus, asthma or stable high blood pressure but the onus is on the traveler to check because conditions can apply. For example if you are on a hospital waiting list for treatment for your illness or condition you may not be covered. Sometimes insurers will offer you a policy that excludes claims caused by your condition or they may not offer a policy because of the destination of your travels.

What is a pre-existing medical condition?

In general they are usually defined as any chronic or ongoing medical or dental condition for which you have received treatment or advice within a specified time prior to the policy being issued or any chronic or ongoing medical condition, illness or disease that’s been medically documented prior to departure.

If the insurer does agree to cover you it is recommended you get it in writing. There may be an additional premium. Also check the excess in relation to a claim relating to the pre-existing condition. If you cannot get travel insurance for your condition it is still important to get travel insurance for other claims.

Pregnant Women

Most policies will cover pregnant women on application but you might be charged an additional premium for prior complications.

The cut-off point for coverage during pregnancy varies from 26 weeks to ‘no time limit’, with 26 weeks being the norm. Many policies cover unforeseen complications of the pregnancy during that time period, but they don’t all cover the medical costs of a premature baby.

Some charge an additional premium. Policies do not cover full-term birth. A few policies don’t cover you if you buy a policy and depart on your journey without knowing you are pregnant.

Older Travelers

Most of the policies offered have special conditions for older travelers. Some will require the payment of an extra premium while others will not offer cover after a specific age such as 75.

Most will require a medical assessment; some will charge a higher premium or extra fee. Others have no fee but have an extra excess for medical claims.

Adrenalin Seekers & Adventure Travelers

It is very important to check what activities you are covered for and more importantly what activities you are not covered for. Most amateur sports are covered however there are many exclusions. Exclusions can include mountaineering using ropes, base jumping, running with the bulls, snowboarding and professional sports. All product disclosure statements will outline the specific ‘adventures’ which are covered. Be aware that an extra premium may apply and read the conditions.

Single Parents traveling with children

If you are a single parent or adult traveling alone with several children most policies will cover the children for the single premium. However, some only allow cover for two dependent children travelling with one parent. It is important to check the age limits for children traveling with one parent.

Duo policies

These are policies that enable two people to travel together under the same policy. Make sure you check the restrictions because some may only allow you to travel with a spouse or family member others may require you to have the exact itinerary whereas others may allow you to spend 50% of time together.

Working while overseas

Working and traveling is a cost effective way of financing your trip. However some policies don’t cover you for manual labor or an accident that has happened while working. Policies that do provide cover usually don’t charge an additional premium but a few do.

As always make sure you check and double-check what you are buying. It is very important to understand the conditions and restrictions found in the product disclosure statement before you travel. It is essential for you to check all the small print on your policy before you make a decision. Read many policies carefully before making a decision and make sure you understand exactly what you are covered for and more importantly what you are not covered for.

Australia Travel Insurance wishes you a wonderful and safe journey.

Ella

Darlene Berkel asked:

There are many reasons you could be taking a trip - perhaps for work, perhaps just a holiday to recharge your batteries and re-focus. There are lots of great places to see in the world, and so many things you can do on holiday, but remember to spend a while thinking about the practical things before you go. Boots travel insurance, for example, is worth considering to make sure that should things go wrong, you have something to fall back on.

The Costs Of Traveling

Taking a trip can be expensive - there are lots of things to spend money on, from hotels, to train fares and flights - and then you need spending money while you are away. These expenses quickly mount up and your holiday budget can be gone before you know it.

Since you are going to be spending so much money on traveling already, having Boots travel insurance is a great idea. No matter how much you are spending on your trip, and no matter how much your trip costs, once you spend money on something like a vacation, you don’t want to lose that money in any way. There are many ways that money you have already spent can be lost when you travel.

As an example - the hotel could be overbooked, or your flights could be canceled due to bad weather. In cases like those, if you do not have travel insurance, you could find yourself in serious trouble - just imagine having to pay walk-up fares for a hotel while you wait for the airline to sort out a new flight.

Many places have fees that you are going to have to pay if your trip is canceled and it is not your fault. If your airline ticket is bumped, or if you aren’t able to get into your hotel room for any reason, having Boots travel insurance could be the thing that saves your money.

What Does It Offer?

Boots travel insurance can be beneficial in a lot of ways. You can buy it just like most other policies - either in the store, or online, and then it will cover you should anything unfortunate occur while you are away.

If you have to pay for something unexpected - such as new reservations or a different hotel room, then the travel insurance will cover you. Should your baggage go missing, or you be robbed while you are on holiday, then Boots travel insurance will help you replace what you have lost, and get you your money back. You can count on Boots travel insurance to look after you while you are away.

Bill

Darren Faulder asked:

Annual travel insurance is the perfect policy for frequent travellers and people travelling for business. Designed to cover a number of small trips within one year, backpackers and long term travellers can often be fooled by its misleading name. Australian annual travel insurance typically covers multiple trips of up to 31 days when the traveller is departing from within Australia. There are, however, some policies that cover up to 60 or even 90 day trips.

Also referred to as multi trip travel insurance, backpackers are advised to take caution when purchasing an annual policy online. Its name is easily misunderstood to mean year long cover; however, most long term travellers will find that this plan does not suit them at all. This type of cover is suited to people who plan to make several journeys from home throughout the year, whether they be holidays or business trips.

As with all other forms of travel insurance, annual cover is easily purchased online. Without the cost of travel agent commission it also works out to be cheaper for you! It is important to read the terms and conditions of your policy to make sure that the benefits will cater to your type of travel. Like any policy purchased online, make sure that it is underwritten by a reputable company.

When purchasing annual cover online check that the website you’re using has appropriate security. You will often find these details in the FAQ section of the site. Credit card details are not legally allowed to be stored without your permission so you won’t have to worry about them being viewed if you go through a legitimate site. Purchase over the phone is usually available; however, you’ll find that most will process your information over the website anyway.

Online annual travel insurance will generally cost somewhere between $250 and $500 depending on your individual policy and circumstances. Some likely cover inclusions are:

Medical expenses (including hospital and emergency)

Cancellation fees and lost deposits

Travel and luggage delays

Loss of income

Personal liability

Accidental death

Theft

Alternate travel expenses

Permanent disability

Some leisure activities and sports (e.g. skiing and golf)

Some policies won’t include adventure activities such as skydiving and scuba diving, but if you shop around enough there are some companies that will offer cover for these. Most policies will also offer family packages that aren’t much more of a price difference than individual packages.

Dawn

Sarah W asked:

Vacations are for fun, it means leaving behind your job and responsibilities for a while. Having holiday travel insurance is one way of putting your mind at complete rest. It’s a lot easier to enjoy your trip if you know that you are covered from luggage lost to sickness.

The further your trip will be, the more you will need holiday travel insurance. This is common sense, as international trips are costly, so there’s a need to protect your hard earned travel money. So wherever you go, whether it’s to a local or international destination, it’s very important that you have the necessary insurance coverage.

Cheap annual travel insurance is an alternative choice for those budget- conscious travelers who are making more than one trip a year. The main feature of the annual travel insurance against regular travel insurance is that it saves you money. For a once annual payment, you become covered whenever you travel during the year. The terms and conditions vary between companies, but annual world wide travel insurance for unlimited travel is also available. Cheap annual travel insurance provides substantial cost savings than any regular type of holiday travel insurance.

Here are some tips for choosing your best cheap annual travel insurance:

Sign up with a reputable travel insurance agency that has worldwide offices which can easily be contacted during emergency needs.

The travel insurance agency should have 24/7 customer assistance which is essential for international travelers.

Always make your office’s 1-800 numbers available to you when you are abroad.

The cost of the insurance should not be more than 10% of your investment.

Read the terms and conditions of the policy to make sure you aren’t buying unnecessary or inadequate coverage.

Look for a refundable policy, especially if you have the history of changing your mind too often.

Good value travel insurance should cover at least the following:

a. Flight cancellation insurance or delay

b. Luggage loss and travel delay protection

c. Sickness and accident during the trip.

d. Evacuation support during an emergency situation such as natural calamities

Cheap annual travel insurance is good for you if you take vacations more than once a year. Instead of taking several insurance policies each time you travel, you can make use of a single travel insurance that could save you a lot of money and time. On the other hand, if you travel less often, an annual insurance policy is not for you since you will not be able to recover the cost.

Melanie

Laura Neil asked:

The term annual travel implies that this insurance will manage your whole travel trips undertaken in the whole year. When you talk about cheap annual family travel insurance it means you can go on traveling to new places with your family at affordable cost.

Cheap annual family travel insurance policy covers you against any kind of jeopardize or mishaps that might enter your way while traveling and thus may turn your jovial into a deep and dark memory by causing harm not only to you but even to your family. Because traveling is always unpredictable and you can never be sure that what can happen in the next moments. Hence it is better if instead of taking any risk in the matter of your loved ones you get annual family travel insurance at cheap rate. It will save not only your money but will also provide you the security.

Cheap annual family travel insurance covers you and your family members in case of any mishaps and happenings during travel. Cheap annual family travel insurance provides coverage for medical cost incurred during travel in case you and your family members get ill or met with any accident. Thus cheap annual family travel insurance provides a kind of assurance in you that both you and your family members are safe in traveling to any foreign country in case any mishaps happens. Apart from it cheap annual family travel insurance also covers for trip cancellation, delays in flight, cancellation of flight, and damage or lose of baggage and documents during travel.

The prime factor to be considered while traveling to any location of whole world is the safety in foreign country. Thus while choosing any policy of annual family travel insurance you should very carefully check the coverage and cost. Sometimes insurance companies might say that the annual family travel insurance is given by them at cheap rate but instead of that they do not provide the required coverage. So it is better if you decide to buy any policy then the coverage given with policy is perfectly as per your requirements. You can easily avail the policy of annual family travel insurance at cheap rate if you take your policy from the same insurance company you have taken other policies.

When you decide to buy a policy of cheap annual travel insurance then it will be very convenient for you if you first collect and compare quotes of cheap annual family travel insurance available on the internet. Online you can get many quotes of cheap annual family travel insurance free of cost. Then finally you can select that quote which fulfils your requirements and then you can buy the policy of cheap annual family travel insurance which is both suitable and affordable to you.

Alice

Vivin asked:


I have to go to Finland from India and the Finnish embasy requires an ” overseas travel insurance” . what means overseas travel insurance? How much do I have to spend to get this insurance and where in India shall I apply for the same?

Cody