Neo asked:


I am traveling to France soon and Sheghen visa requires me to produce the following: "A letter from your company? With insurance (+ 1 copy) indicating that at least cover it? N m for any costs? Doctors, hospitalizaci? ny repatriation? n $ 45,000 during your stay in Europe. "The insurance is available on the internet watch falsificaci? n. ? Anyone know compa? A genuine website for insurance m? Dico short stay? Thank you.

Ana

stevieboy asked:


If I was to go abroad lets say to the US and I was to injure myself and I required hospital treatment what are the processes in terms of the paying the bills. I’ve got travel insurance that covers medical expenses, so what happens after or before my treatment, do the doctors need to see my insurance documents so they can claim it off the insurance company or do I need to pay with my cash or card and claim back from the insurance company when I get home?

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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

Daisy asked:

vel insurance need to know

In general terms, travel insurance protects all holiday costs against adverse events such as cancellation and interruption and also reimburses medical expenses, the loss or damage of property and transit delays. Travellers are compensated if they have to cancel or interrupt their travel, they will also be covered should they need emergency medical treatment, medical evacuation and other situations.

Many millions of travellers and holiday makers every year purchase some form of travel insurance, but few people know really what it is and how it can be defined. If you know what is included, and what is not you will be able to make the most of your protection.

There are four main categories of travel insurance:

1.         Delays and cancellation - including curtailment

Delay: This reimburses travellers for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up with a cruise should another delay cause the traveller to miss embarkation.

Cancellation: Reimbursement comes into effect if travellers have booked and paid for a holiday, but are unable to embark because of personal illness or injury, death (of the individual or of a family member), adverse weather conditions, airline strikes, terrorism, bankruptcy, sudden unemployment, jury duty or by sustaining serious damage to their home causing it to be uninhabitable due to fire or flooding.

Interruption: Insurance companies pay money to policy holders abroad if they have to cut short their trip due to illness, death (of the traveller or a family member), terrorism, weather, airline strikes, bankruptcy, sudden unemployment, and other adverse conditions which mean that, due to events outside the control of the holiday-maker, a trip has to be curtailed.

2.                  Health and Medical reasons

Medical evacuation: This provides emergency transportation to either a local hospital in the event that the traveller is unable to get there by themselves or back to a hospital near the traveller’s home town. If family members are covered on the same policy they can travel back home also.

Medical and health reasons: This reimburses medical and emergency dental costs. Almost all travel insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 - 10 days. Pre-existing conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveller made the first payment or deposit.

3.         Death of travellers:

Accidental death - covers death or dismemberment at any time of your trip. Usually provides the lowest amount of coverage due to a higher risk

Air Flight accident - this covers death or dismemberment during an air flight only. Usually provides the highest amount of coverage due to fairly low likelihood of this occurring.

Common carrier - Covers death or dismemberment while travelling on public transport such as a plane, ferry, train bus or taxi.

4.         Personal effects: Loss or damage

Baggage loss - reimburses travellers for lost, stolen or damaged personal items. This coverage is usually restricted to the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for - such as precious jewellery, laptops and sporting goods

Rental Car damage - Reimburses travellers for damage or loss to a rental vehicle. It is designed to allow the traveller to decline collision damage waiver (CDW) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often matches the coverage provided in the policy.

Assistance services - provides a 24-hour collect telephonel advice and assistance service to travellers. This service can be used anytime a traveller needs advice. Make sure you don’t leave home without it.

Samantha

Paul Stanley asked:

Cheap Travel Insurance, Australia

A large number of travellers ignore getting travel insurance when embarking on a travel adventure. The reasons vary from traveller to traveller. Some consider that it is a waste of money, some are very confident about their safety and some simply find it to be a costly affair. But most of these people are unaware of cheap travel insurance available in the market. Travel insurance is a must for every traveller and the various types of travel insurance are cancellation, delay of trip, illness or accident-related medical expenses, ambulance or emergency transportation, travel provider default and luggage loss or delay. By Purchasing travel insurance direct, you can avoid the travel agent’s commission and the extra charge levied on your holiday package.

There are many types of low cost travel insurance, such as backpacker insurance and family travel insurance available at reasonable rates. However, the coverage and limitations will vary with every insurance company that you will be purchasing policies from.

On purchasing travel insurance direct, you can save up to 60% of the expense. Moreover, you have the freedom to choose the kind of cover you need. Travel insurance purchased through travel agents or that comes as a component of a holiday package will be costlier and have less cover than buying travel insurance direct. One other option that lowers a considerable amount of the expense is buying travel insurance online. As online insurance companies don’t have the same overheads when compared with the conventional insurance selling methods, they will be able to provide equal or even higher benefits at lower rates. A simple research on the internet could save you a good amount of money and that could be useful while travelling.

While buying insurance, make sure the company provides unlimited worldwide medical, hospital, evacuation, and trip cancellation cover plus a high level of Personal Liability. 24/7 customer care, backing by at least one of the world’s major insurance underwriters and one of the world’s leading emergency assistance companies, and a cooling off period provided you haven’t made a claim on the policy and haven’t left home either.

As for as travel insurance in Australia is concerned, it’s possible to purchase cheap travel insurance that keeps you covered until you get home safely.

Australian cheap travel insurance is a definite plus for those who have forgotten to purchase cover before leaving their own country on holiday, or for those who are traveling extensively and have allowed their cover to lapse. For great deals on travel insurance in Australia, you can find a number of companies that provide excellent cover and service. All you have to do is spend some time shopping around to find the company that suits you best.

Tracy