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Travel Insurance

There is an old saying that if you cannot afford travel insurance, you cannot afford to travel! You need travel insurance for all international travel. Let me say that again. You need travel insurance for all international travel. If you are an employee, your company will provide insurance for work related travel. The insurance company will usually provide a card

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There is an old saying that if you cannot afford travel insurance, you cannot afford to travel! You need travel insurance for all international travel. Let me say that again. You need travel insurance for all international travel. If you are an employee, your company will provide insurance for work related travel. The insurance company will usually provide a card or other document with their phone number on it in case of emergencies. You need to carry this with you at all times.

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    Purchasing your own personal insurance

    Your travel agent or other local insurer can assist you with the purchase of travel insurance. Or you can buy travel insurance online.
    For online travel insurers click here. Also most international credit card companies offer travel insurance so check out your credit card company’s website.

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    Your travel agent or other local insurer can assist you with the purchase of travel insurance. Or you can buy travel insurance online.

    For online travel insurers click here. Also most international credit card companies offer travel insurance so check out your credit card company’s website.

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      Single Journey Insurance

      You can buy single journey travel insurance for each relevant trip. This is perfect if you are a less frequent traveler. Make sure you purchase travel insurance for each journey at the appropriate level for the country you are traveling to. In USA, the cost of medical treatment, for example, is significantly higher than in many other countries. Therefore the

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      You can buy single journey travel insurance for each relevant trip. This is perfect if you are a less frequent traveler. Make sure you purchase travel insurance for each journey at the appropriate level for the country you are traveling to. In USA, the cost of medical treatment, for example, is significantly higher than in many other countries. Therefore the cost of travel insurance and the level of cover that you need is much higher. Liability insurance requires much higher cover in the USA also. This is because of the higher payments sought in the courts there. On the contrary, in Asia, the labor costs are lower so the level and cost of insurance required there is lower. For the peace of mind, single journey travel insurance is not expensive and like all insurances, you do not need the added stress if something does go wrong.

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        Check the Detail

        You need to check the detail with your company and the travel insurance provider. The following list is detail worth checking:

        Does the insurance cover you if your stay on after the business trip for the weekend?

        Does the travel insurance cover you if you travel to the destination early?

        Does the insurance cover you if you

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        You need to check the detail with your company and the travel insurance provider. The following list is detail worth checking:

        • Does the insurance cover you if your stay on after the business trip for the weekend?
        • Does the travel insurance cover you if you travel to the destination early?
        • Does the insurance cover you if you extend your stay for personal reasons? ie you chose to have a few days or weeks off on vacation?
        • Some companies do cover these stays if you stay in the same country as your work related business trip but as soon as you move to another country you will need to provide your own cover – check for this too
        • Some insurance companies require disclosure for any trip outside the work related trips so you may need to provide the person responsible for travel insurance in your company with an email stating what you are doing if you are staying on for personal reasons and for how long – check for this also
        • Any other specific requirements
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          Annual Travel Insurance

          You can purchase annual travel insurance if you need to provide your own travel insurance regularly. You can purchase annual travel insurance for multiple trips to multiple destinations. You can select which regions you will travel to if you only travel to certain destinations. Or you can purchase global travel insurance. Speak to your travel agent who will email you

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          You can purchase annual travel insurance if you need to provide your own travel insurance regularly. You can purchase annual travel insurance for multiple trips to multiple destinations. You can select which regions you will travel to if you only travel to certain destinations. Or you can purchase global travel insurance. Speak to your travel agent who will email you the forms to complete and sign and you will be able to pay on your credit card. You can also buy travel insurance online. Given the cost involved and the need to be sure you are covered effectively, using a travel agent is advisable.

          There is often a restriction on the maximum length of any one stay when you buy Annual Insurance. Most insurers will sell you two types of Annual Insurance. The first option has a maximum of 90 days (or other time limit) for any one trip. In this case, you cannot be away for more than the stipulated length of time on any one trip. The second option they can sell you is Annual Travel Insurance for any length of stay. If you plan a long trip abroad for an assignment perhaps of say 4-6 months, this is the best option.

          Purchasing extendable insurance is good for trips which you do not know the length of in advance. For example if your trip is going to be 4-6 months, you can purchase say 4 months ahead of time. Let us say you then need to extend the trip to say 6 months. So long as you extend your travel insurance prior to exiting expiry date, all is ok. The premium then just charged on a monthly basis. And you can extend as many times as you want to. Once you return home, the insurance is cancelled. Therefore it is a better option to extend if you need to rather than overpaying to be cautious. For example buying say 8 months, coming home at 6 months and as such you have paid for 2 extra months unnecessarily.

          Hot Tip: If you are travelling to the USA even one time in the year of the policy, you will need the highest cover. This is especially true for medical and liability insurance. The cost of the cover will be higher for this destination. However if you plan to only travel to other destinations, you can chose cover suitable to those regions and save money. If you do take the option of cover excluding USA, and then decide to travel to USA, make sure you purchase another insurance policy to cover you at the necessary level.

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            Keep your travel insurance documents easily accessible

            Carry your travel insurance card or documents in your wallet if it is small. Or with your travel documents (passport, visa, itinerary) to ensure you know where it is. Alternatively, you probably had the certificate emailed to you so know where to find it on your smart phone in your inbox.
            I had a great experience with my travel insurance

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            Carry your travel insurance card or documents in your wallet if it is small. Or with your travel documents (passport, visa, itinerary) to ensure you know where it is. Alternatively, you probably had the certificate emailed to you so know where to find it on your smart phone in your inbox.

            I had a great experience with my travel insurance recently. I rarely claim on it but I had bronchitis as it turned out. I went to the medical center when I could stand it no longer and was not getting better. When I arrived at the medical center (in USA), the receptionist asked me about company insurance. I responded that I hoped to claim it on my travel insurance. She asked for the details, which I was able to look up on my smartphone in my inbox. I gave her the phone with the details opened. She called the insurance company 24 hour telephone number. She spoke to someone on the phone and I could hear her reading my policy number.

            When she finished the call and hung up, she said to me that there would be no charge. The whole thing was done over the phone. I then went to the “drug store” she sent me to which across the street (for the prescription) and they charged me the excess $14.85 on a $50 script. The best thing about it was I did not have to do any Insurance Company Claim Form or paperwork!

            Hot Tip: Your travel insurance card should be easily accessible to you so keep it in your wallet/handbag or on your smartphone inbox. Otherwise in the unlikely event of a serious issue, someone will have to go to your hotel room to get it for you. It can be looked up at a later time but carrying the card on you will expedite your processing at a medical center or hospital

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              Suspending Health Insurance at Home – Longer Term Assignments

              It may be possible to suspend health insurance at home if you are on a longer term assignment. If you are away for more than a pre-determined time frame (usually a minimum of 6 weeks), they may let you suspend your insurance at home. This will save you considerable cost back at home. This is done because you will

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              It may be possible to suspend health insurance at home if you are on a longer term assignment. If you are away for more than a pre-determined time frame (usually a minimum of 6 weeks), they may let you suspend your insurance at home. This will save you considerable cost back at home. This is done because you will not be using your local health insurance if you are abroad. Call your health insurer to find out and this way you can save on your premium while you are away

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