What is travel insurance and How can we get this

What the travel insurance cover does not cover you on

Travel insurance is the insurance that you take in order to cover you while travelling or on trips. Just like any other Insurance for vehicle cover the travel insurance cover does not cover on every aspect of your travelling. This therefore can be very frustrating for a traveler in case he or she dint know about the excluded factors in their insurance cover as they may feel that their insurance partner have cheated them. Therefore as traveler you need to make sure that you truly understand everythi8ng on the travel insurance that you are currently servicing. The information on what is covered and not covered by your insurance cover is located in the policy certificate and during your free time, just go ad look into it and you will find all the information. However, this article will cover the most common cases in which your travel insurance partner will not cover you on. They include:

Preexisting conditions

In case you are travelling and you have a pre-existing condition which may ask for the medical cover, the travel insurance does not cover you ion that. For example, in case you have a pre-existing medical condition like cancer and you are travelling, your travel insurance will not cover you on the same as it is not an emergency. The travel insurance covers issues which are not existing but you are anticipating that they might occur. Ho0wever in case you have a pre-existing condition like you are sick already but you need travel insurance, you can purchase waiver which means that the cover will include you even with your condition but you will be paying more than the standard amount of the travel insurance. This is because you are a higher risk of suffering while on transit to your trip destination.

Changing your mind

In case you change your mind on travelling based on different issues and therefore cancel your trip, that is your own problem not your travel about Insurance cover. What the travel insurance cover takes care after is the condition, which cannot be avoided like change in weather making your airline to cancel the trip or other factors like terrorist activity, which may endanger your life. Even if you change your mind just because you cannot afford the trip the travel insurance partner will not cover for those costs. However, in the travel insurance cover, there is an option where you can opt to choose the cancel for any reason coverage where you have the right to cancel your trip for any reason, and you will be compensated. However, the option requires you to cancel the trip before it starts not when it has already started.

Medical treatment trips

The travel insurance cover does not cover for trips that are seeking to find medical attention out side your country, this is because you have a pre-existing condition, which puts you at a high risk. The travel insurance cover covers you on trips that are normal like business trips, tours among others. However just like in any other area there is an option to take a medical tourism cover, which covers you in case you have any health complications, and you need to travel outside the country. However, you will need to be paying more on the cover on a monthly basis.

Participating in extreme sports

The travel insurance cover often has an option of covering you even on the activities that you do while in your trip. These activities include even the sports that you participate in while on your trip. Therefore, in case you injure yourself while participating in these activities your medical costs are covered by your insurance partner. However, in case you participate in high-risk games while on your trip, the travel insurance cover will not cover you. This is because you are putting yourself in danger, which is pre-existing and therefore the chances of you getting injured is high. Therefore, whenever you are participating in extreme sports while on your trip be prepared t cover your own medical costs, as you are not covered. Some of the games considered high risk include sky diving, scuba diving, heli skiing among others.

For More Information: try AXA Insurance

How To Choose The Right Travel Insurance Any Why

What is travel insurance?

Travel insurance is an insurance facility that is based on short-term needs of travelers. It covers travelers against emergencies and expenses related to their travel. Frequent travelers know the value of travel AXA Insurance site They tend to buy it whenever they are visiting certain countries. Imagine traveling to a distant country and falling sick while there. It can be expensive or impossible to get adequate medical insurance from your destination. You may go broke getting treated in some developed countries, especially if paying in cash. Some countries require you to have travel insurance before you travel. It is usually affordable.

Like any other product, travel insurance has some benefits and extra coverage known as extensions. Travel insurance kicks at the moment you purchase it and are within the territory you are traveling to. Even when the plane you are in or vehicle you are traveling to is moving towards your final destination, as long as you are within the territory you will be covered. For example; if you bought travel insurance for European zone, you will be covered the moment your plane crosses any European country. Even if it crashes, you are still covered. Your beneficiaries will receive compensation.

If you purchase travel insurance, any problem that occurs before or during your trip will be covered. As long as the risk you are facing is covered by the insurance. It is advisable to contact the claims department of the insurance company. They will then guide you on the way forward. The risk that may arise during your travels are but not limited to;

?    Loss of baggage

?    Loss of money and personal documentation

?    Theft

?    Sickness

?    Disability

Travel insurance can be segmented into the following;

?    Domestic travel insurance

Covers you when traveling within your residence country. They are affordable but have limited coverage. It is highly recommended to take them up when going on a road trip or camping. As long as you are visiting a volatile area. If you are a foreigner in your host country, you can check with your embassy on travel advisory to your destination. This will guide you on the purchase.

?    International travel insurance

Covers you when traveling to a country outside your residence. It is vital to get all the information you need concerning coverage in certain continents like Europe and Asia. Especially on medical insurance.

Here is how to evaluate medical insurance that comes with your policy;

?    Check on the hospitals you can visit in the destination country. Check whether they are near where you will be staying or traveling around.

?    In case of an emergency, check for the procedure of contacting emergency services. What does the insurance company recommend?

?    If you contract a disease on your way back, will it be covered in your country of residence?

Travel insurance is very important. Never travel without a cover.