Luang Prabang Traveling Guides

So, you have understood that travel insurance is unavoidable when undertaking a foreign trip but you are still not sure what all travel insurance pertains to? The following is an easy-to-understand list of some travel insurance features explained for first-time purchaser of Visitors Insurance plans.

Choosing Travel InsuranceJust like any other forms of medical insurance, travel insurance too is available in various formats. This is done to ensure that there are enough packaged deals to attract visitors of every kind.

Multi-trip Travel InsuranceIf you are sure that you will travel to foreign destinations repeatedly in the near future, it is seriously advised that you take Multi-trip travel insurance. This form of visitor travel insurance ensures that you don't need to bother about renewing your travel insurance before every planned visit. The more comprehensive multi-trip plans offer what is called 'unlimited trips' which essentially means that you don't need to bother to keep count of the number of foreign trips for the scheduled period-your travel insurance is automatically activated every time you are traveling abroad. However, if you plan to visit a chosen destination just once, like most vacationers do, it is advised that you choose single-trip insurance that automatically expires when you return home from the journey, i.e. you don't need to go through a tedious, policy-termination process.

Family Travel InsuranceYour decision to buy visitor insurance should also depend upon the number of people scheduled to travel. For example, if you are traveling with your family, you are better-off purchasing a group travel insurance package. However, ensure that in the insurance contract, it is clearly mentioned that your family members are covered. Similarly, if you are traveling with a friend or a close acquaintance, don't assume that the person would be entitled to benefits of a family member. Insurance companies are very strict about such differences. Family travel insurance is ideally suited for the family that occasionally travels overseas for vacationing purposes. As a business executive who flies more frequently and alone, the individual travel insurance products are a better bet.

Understanding Trip Interruption InsuranceThis is one of the most useful but commonly-ignored form of travel insurance. Please understand that trip cancellation insurance and trip interruption insurance sound and seem similar but there are few, minor differences between them. The realm of trip-interruption insurance applies to every type of interruption that poses a hurdle when you are undertaking the scheduled travel. There are some features that are common across both, trip-interruption and trip-cancellation insurance. This is best exemplified by the fact that if you fall ill on your way to the airport while undertaking the scheduled flight to an overseas destination, it qualifies for insurance coverage under both, since unwarranted causes have stopped you from completing the planned travel.

However, trip-interruption insurance is a bit more comprehensive wherein if you have to return home, mid-way from your travel due to a sudden illness or due to emergency reasons such as death of a family member back home, the expenses borne for the return flight will also be covered. This facet is not included in the standard or the more commonly-retailed form of visitors insurance, i.e. it has to be demanded from your travel-insurance provider for slightly higher premiums.

Please understand that these two type of insurance features are often bundled together and sold as a part of the more comprehensive visitor travel insurance plans. Many insurance providers even club medical-evacuation expenses as a part of trip-interruption policies, i.e. an emergency evacuation that is caused due to unintended reasons. However, just like most other travel-insurance products, this also excludes emergency evacuations created due to onset of a condition caused by pre-existing illnesses.

Travel Insurance FailuresPlease understand that medical injuries sustained due to neglectful behavior or what has been clearly excluded by the insurance provider doesn't qualify for insurance, irrespective of the severity of the condition. For example, if you have an accident when driving somewhere on your vacation and the medical examiner diagnoses that your blood alcohol level was above the accepted regulations, you will be categorized as having harmed yourself under influence of alcohol and this disqualifies you from travel insurance benefits.

Similarly, if you buy visitor travel insurance plans that clearly state that injuries sustained due to undertaking high-risk activities like bungee-jumping are not covered, you cannot demand medical coverage for the same, even if you sustain a near-fatal injury or medical bills that threaten to bankrupt you.

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