1375364396 eAnnualInsuranceBlog http://www.eannualtravelinsurance.com/index.php/blog/ Blog for Travellers visiting USA en infomktingexpert@gmail.com Copyright 2013 2013-08-01T11:38:54+00:00 Insure Your Near and Dear Against Ginormous Tragedies/ http://www.eannualtravelinsurance.com/index.php/blog/insure-your-near-and-dear-against-ginormous-tragedies/ http://www.eannualtravelinsurance.com/index.php/blog/insure-your-near-and-dear-against-ginormous-tragedies/#When:09:53:37Z Flight accidents are becoming a common occurrence these days. Many of us fail to realize that this can happen to any of us during travel. When we hear and read about this in media and newspapers, we really feel sorry for the flight inmates and their family. But we still keep travelling with an insurance without checking whether it offers any benefit for flight accident deaths and injury. When you read the following, you will realize that you cannot afford to ignore it. Bernard and Lara made a happy family with three kids. Both lived an enviable life and their Home was synonymous with the word “Heaven”. Whatever twists life gave them, they sorted it out together. They were soul-mates who lived like a single person in two forms. It was then that a big tragedy crushed their marital bliss. Lara’s freelance assignments demanded a great deal of travel. So she had immunized herself with annual travel insurance. She travels to different parts of the world. Bernard, along with the responsibility as a father, assumed the role of the mother too, when she’s away, so that she can pursue her dreams. On one such journey to Paris, she was just preparing herself for the client meeting when she heard a hurried announcement in the flight that they were facing some technical issues with the flight. The hushed tones of passengers slowly marched towards wailing and hot arguments about the talent of the crew and the popularity of airlines, making the crew even more helpless. The crew were making every possible attempt to save the flight but in vain. Finally the flight met with an accident and there were no survivors. This descended as a thunderbolt in Bernard’s head and he felt as if he had lost the very meaning of life. When he recovered, the reality stood before him in humongous proportions. Though he could not get his Lara back, he got the benefit of flight accident death from annual travel insurance. We should always expect the unexpected and protect our near and dear atleast financially. Blogging, 2011-02-21T09:53:37+00:00 Annual Travel Insurance Mistakes You Must Avoid/ http://www.eannualtravelinsurance.com/index.php/blog/annual_travel_insurance_mistakes_you_must_avoid/ http://www.eannualtravelinsurance.com/index.php/blog/annual_travel_insurance_mistakes_you_must_avoid/#When:11:38:54Z When searching for annual travel insurance, never get caught out by inadequate policies and increasing premiums. Travel insurance is on the headlines again as the summer vacation is approaching. The increasing joblessness in Southern Europe has resulted in higher crime rates, leaving the innocent tourists the hoodlums target for petty theft. It had however been discovered by the ABTA travel association that 24% of those who travel abroad on vacation now are at risk of not buying annual travel insurance. You can avoid the mistakes of being caught out in the following ways. When searching for annual travel insurance, never get caught out by inadequate policies and increasing premiums. Travel insurance is on the headlines again as the summer vacation is approaching. The increasing joblessness in Southern Europe has resulted in higher crime rates, leaving the innocent tourists the hoodlums target for petty theft. It had however been discovered by the ABTA travel association that 24% of those who travel abroad on vacation now are at risk of not buying annual travel insurance. You can avoid the mistakes of being caught out in the following ways. Confirmation of Your Home Insurance Before traveling abroad, confirm if your home insurance covers your personal belongings away from home. You may discover that it provides outside or away cover of up to £3,000. Nevertheless, it is worth getting in touch with your insurance provider with a lot of policies not covering the full items such as Smartphone. Although you can make payment for its extension, but ensure that this will not cost you above taking a new policy. Furthermore, it may just cover your lost or stolen items – comparable to baggage cover, instead of cancellations or medical care. Carry Out Adequate Research The truth is that; it is not just the frequent travelers that are suffering from increasing premiums.  The suggestion is that you should take your time to shop round before buying an annual policy and you will find out that it is more than worth it if you travel two or more times in a year. Also, ensure that you read the small print and understand every bit of it. Furthermore, obtain your travel insurance when you are booking your flight in order for you to get protected if you are unexpectedly not able to make the trip. And don’t forget the fact that a cheap policy may mean exclusions. Being Cautious when Settling in UK If you are traveling to UK on vacation this year, you are advised to check the available insurance policies carefully. On the other hand, you may discover that your policy is invalid if you fail to book your accommodation ahead of your trip or if your trip is less than 25 miles from your place of residence. Consequently, be conscious of the fact that many insurers necessitate a minimum of two night stays while others require three, if you are planning a weekend holiday or trip. In the same vein, many insurers set a highest number of days travel for each trip. Therefore, make sure you check your policy document properly to ensure that you are covered for the period. Consult Specialist Insurers to Avoid Being Overcharged To ensure that they are not overcharged for the travel insurance of their choice; customers are more and more whirling to comparison websites while the traveling agents are dominating less than 17% of sales in travel insurance. The comparison websites will help greatly, but the best alternative is to consult specialist insurers. Also, it may be better to obtain a single trip policy that extends up to 85 because prices are on the increase for older travelers. Obtain European Health Insurance Card (EHIC) According to the report of the research conducted by Association of British Insurers, in 2012, the average cost for medical treatment abroad amounted to £2,040. You will have access to reduced or free cost of state healthcare in Europe if you get an EHIC – The European Health Insurance Card. However, this will not cover repatriation or private treatment and it should therefore be viewed as a substitute to insurance. There have been reports of hospital curtails across Europe this year with a lot of hospitals trying to convalesce costs of treatment straightforwardly from overseas patients rather than with European Health Insurance Card. Thus, find out the location of your nearest state hospitals upon your arrival in Europe, and have copies of your EHIC at hand all the time. 2013-08-01T11:38:54+00:00 Do You Engage in Dangerous Sports when you Travel? Read This About Annual Travel Insurance!/ http://www.eannualtravelinsurance.com/index.php/blog/do_you_engage_in_dangerous_sports_when_you_travel_read_this_about_annual_tr/ http://www.eannualtravelinsurance.com/index.php/blog/do_you_engage_in_dangerous_sports_when_you_travel_read_this_about_annual_tr/#When:10:25:17Z If you are one of those who engage or participate in dangerous games such as running of the Bulls needlessly when you travel abroad, hear this! The annual travel insurance companies have warned that they will not cover dangerous behaviors while traveling abroad. This word of warning was as result of the injury sustained by an Australian woman after being reddened in the back by a Bull during the yearly running of the Bulls Competition. If you are one of those who engage or participate in dangerous games such as running of the Bulls needlessly when you travel abroad, hear this! The annual travel insurance companies have warned that they will not cover dangerous behaviors while traveling abroad. This word of warning was as result of the injury sustained by an Australian woman after being reddened in the back by a Bull during the yearly running of the Bulls Competition. The AAMI purposely leaves out the Running of the Bulls from the list of their travel insurance cover, and many policies would definitely leave out whatever claims relating to that event. For this reason, travel insurance policy holders have been told of the necessity of taking reasonable care when traveling and that running in propinquity to bulls is not covered by their travel insurance policies. In other words, injuries sustained at any particular stage in the Running of the Bulls would void an insurance policy for what is simply depicted as seeking risk needlessly. Therefore if you still go ahead to put yourself in such an extremely risky situation and unfortunately get yourself injured, you are then excluded from making a claim accordingly. Travel insurance companies will not compensate you because Running of the Bulls is regarded as needlessly exposing yourself to risk. Although some insurance companies provided what was known as mortality insurance coverage in the past to cover activities like canyoning, running of the Bulls and jet boating, this is no longer available. However, there are insurance companies that offer coverage for bungee jumping, ballooning and parachuting, but will not insure travelers or people taking part in events like solo skydiving, running of the Bulls as well as steeple chasing. However, you should weigh the risks involved if you are taking part in any of these dangerous games or events and make sure you know the end results if you sustain any injury – you may not be covered by your travel insurance. A lot of people sustained injuries while taking part in Running of Bulls event according to the information gathered from Google news. For the reason that travel insurance is not unrestricted, travelers are advised to learn about the product disclosure statement of a policy in order to know what is covered precisely. Travel insurance cover will only compensate policyholders for the financial losses they may bring upon themselves in out of the blue and unforeseen circumstances. Finally, there are a lot of standard general exclusions for certain circumstances, events and situations…like bodily injury, death, loss or damage to property and illness occurring while in the course of participating in, or exposure to premeditated risky behavior while travelling. Whether you are on a business or annual vacation, you must bear these facts in mind when you are traveling abroad in order to fall victim. 2013-07-29T10:25:17+00:00 Understand Your Needs Before Choosing Annual Travel Insurance Plan/ http://www.eannualtravelinsurance.com/index.php/blog/understand_your_needs_before_choosing_annual_travel_insurance_plan/ http://www.eannualtravelinsurance.com/index.php/blog/understand_your_needs_before_choosing_annual_travel_insurance_plan/#When:11:25:28Z Observations revealed that a lot of people are traveling these days than ever before. In addition, an escalating number of the United States indigenes are traveling out of their country for business and vacation purposes. If you are an everyday traveler, you ought to understand that your trip is never complete without your annual travel insurance. The annual travel insurance policy will cover a complete year worth traveling, which implies that you still remain covered even if you travel for a length period of time. There are diverse insurance providers that provide annual travel insurance plans, while a number of them have more limitations than others. On the other hand, the most important concern that need to be covered by annual travel insurance when it comes down to it are: interruption, cancellation, loss of passport or and luggage, international medical insurance as well as accidental death. Hence, you should not consider any insurance plan that doesn’t provide coverage for any of the aforementioned as a viable alternative. In addition, there are some other types of coverage allied with annual travel insurance. Nevertheless not all policies provide the coverage. Are you a traveler that wants to take your pet along with you? Then, it is appropriate for you to obtain insurance plan that provides pet coverage. Also, if your family travels to golf tournaments most often, you can get golf travel insurance that the policies will cover the loss of any golf equipment. As a traveler, you must also note the fact that flight will not be the only form of transportation you will use to travel abroad throughout the year. If you wish to travel by train, there are some annual travel insurance plans that covers cruise or and train cancellations and delays. If you and your family plan on cruising so much for the period of the year, all you need is this type of insurance coverage. Finally, ensure that you choose the type of annual travel insurance that suit your needs and cover everything you will be doing when you travel abroad, whenever you are looking for some good plans. As there are many options available do not be overwhelmed but make sure you do a thorough research and read the reviews of different insurance companies to know what they have to offer before choosing the best annual insurance plan that will be suitable for you.  2013-07-22T11:25:28+00:00 Safety Precautions While Travel Abroad/ http://www.eannualtravelinsurance.com/index.php/blog/safety_precautions_while_travel_abroad/ http://www.eannualtravelinsurance.com/index.php/blog/safety_precautions_while_travel_abroad/#When:08:34:26Z Whether you are traveling abroad on annual vacation, for business or to study abroad, it is very important to take some safety precautions that will safeguard you from danger. Some travelers have landed themselves in serious problems in the past which they live to regret for the rest of their lives. Some of them were jailed for contravening various laws, some have lost their valuables to hoodlums, some were hospitalized for various ailments while some were repatriated immediately they arrived the airport of their country they are visiting, all because they failed to adhere to some simple safety precautions. Here are some tips on safety precautions while traveling abroad. Safety while on the Street Apply the safety precautions you use in your home country, but be cautious or avoid those places that you can be victimized easily. These places include train stations, crowded subways, elevators, market places, tourist sites, crime-ridden neighborhoods and festivals. When you are on the street therefore; - Do not use poorly lit street, short cuts or narrow alleys - Avoid traveling alone at night - Keep away from public demonstrations and civil disturbances - Avoid loud conversations and maintain a low profile - Avoid discussing your travel plans and other personal matters with unknown person (s) - Be wary of strangers that might approach you and offer to guide you or sell something to you at bargain prices - Be cautious of pickpockets among other safety precautions on the street Safety while in Your Hotel - Attend to visitors in the lobby at all times and keep your hotel room locked always - While you are going out of your hotel room, do not leave your money and other valuables like passport, credit cards, credentials and other important documents in your hotel room - Do not get on an elevator if you are alone and notice a suspicious-looking person inside. - Study the fire safety instructions in your hotel room very well to understand how to report cases of fire and be sure of the nearest fire exits as well as where alternate exits are located. Safety on Public Transportation - Board taxis that are identified by official markings and avoid unmarked cabs. - While on train, be cautious of well organized systematic robbery of passengers along popular tourist routes. Do not accept food or drink from people you don’t know. - If you are threatened in any way, alert the authorities. Safety When You Drive - Wear your seat belts and keep the car doors locked always - Avoid driving at night as much as possible - Avoid leaving your valuable in the car and if you must carry some things with you, let them be kept out of sight. - Avoid parking your car on the street overnight. Choose a well lit area to park your car, if the hotel or municipality does not have a secure area or parking garage. - Avoid picking up hitchhikers These are just few of the safety precautions that you have to take while you travel abroad. When you obey these safety precautions, you will not have any problem and your travel abroad will be an exciting one. 2013-07-10T08:34:26+00:00 Do You Really Need Travel insurance for a European holiday?/ http://www.eannualtravelinsurance.com/index.php/blog/do_you_really_need_travel_insurance_for_a_european_holiday/ http://www.eannualtravelinsurance.com/index.php/blog/do_you_really_need_travel_insurance_for_a_european_holiday/#When:06:37:29Z Whenever you are traveling abroad, is European health insurance card sufficient or is full medical insurance mandatory? The fact is that if you are planning to travel abroad without European Health Insurance Card – EHIC or and travel insurance, you will pay exorbitantly for hospital bill due to the fact hospital treatment in foreign countries is very expensive. As a matter of fact, if you fall seriously ill and require medical attention while abroad, the average cost of medical treatment now according to research carried out by Sainsbury’s Finance is £2,040, up 6.25% year on year. The most expensive country for inpatient treatment is the US, from an analysis of travel insurance claims. Thailand is the next country, followed by the Canary Islands and the cheapest country as far as medical treatment is concerned is Bulgaria. Since there is no clause that you would have to bear the full cost of any medical treatment if you are traveling to a country, travel insurance that will cover your medical expenses and repatriation is mandatory. However, quite a number of travelers would argue that if you are young, healthy and traveling to Europe devoid of children, most especially if you are traveling to bigger cities to certain degree than the back of beyond, then, it might be adequate to travel to Europe with EHIC without travel insurance. Moreover, the EHIC offers you access to state-provided healthcare at a reduced cost or even free sometimes, if you are a UK resident on temporary visit to Iceland, Norway, EU country and Switzerland. The validity of EHIC is five years and this card is free. To apply for this card, you are required to supply the national insurance or NHS number, surname, forenames as well as your date of birth. You will be entitled to treatment that may become essential in the course of your travel by presenting the EHIC. Although this doesn’t allow you to travel abroad to receive medical care, but the usual renal dialysis, maternity care and managing the signs of chronic and existing conditions that take place while abroad are covered. In addition, the EHIC allows you similar state-offered healthcare as a resident of the country you want to visit. Patients have to contribute to the cost of their treatment in some countries and you might be expected to do the same, even with an EHIC, although you may be reimbursed for this by the time you get back to UK, provided you are not able to do so in other country. Remember the fact that EHIC is not an alternative to travel insurance – advice from the UK government and the NHS, because it does not cover the costs or private services or private healthcare which does not cover the cost of mountain rescue in ski resorts or not part of the state healthcare system or being brought back to the UK. Finally, remember that healthcare system of each country is different, when weighing up whether to risk not buying travel insurance, therefore your EHIC might not cover everything you would expect free on the NHS. For instance, in Europe, some of the state – operated hospitals have privately-run ambulance services, but you would have to pay for this. 2013-07-10T06:37:29+00:00 FAQs Concerning Annual Travel Insurance/ http://www.eannualtravelinsurance.com/index.php/blog/faqs_concerning_annual_travel_insurance/ http://www.eannualtravelinsurance.com/index.php/blog/faqs_concerning_annual_travel_insurance/#When:17:47:41Z Are you making your first trip abroad and never understand the role of annual travel insurance? Here are quick FAQs about annual travel insurance that will give you an insight. What does this type of Cover Represent? Annual travel insurance exists to offer you with cover for a particular duration of time, irrespective of the number of trips abroad you make during the period. Instead of buying many one-trip policies every time you travel, annual travel insurance might make a lot more economic sense. In Terms of Destination and Number of Trips, Are these Policies Completely Unlimited? As individual policies might differ significantly in the cover provided, it is always difficult to give a definitive across the board answer to this particular question. Quite a number may provide unlimited numbers of trips and destination exclusions while others may allow for numerous trips within the particular period and have more restraining global coverage. Looking at the detail of an individual annual insurance policy is the only way to be certain and decide if it is actually suitable for your needs. Will this Policy Cover all My Costs? In actual fact, this may not likely be the case because any policy of any type contains the terms and conditions you have to comply with. On the other hand, they might include certain things that may not be covered by the policy. You will however need to go through the individual policy detail to ascertain what risks are covered and those that are not covered. Bear in mind that if a policy does not explicitly state that it covers a given situation; you must not assume that it does. What Type of Protection Does it Offer? Annual travel insurance policies offer cover for health-related issues while abroad and also provide financial protection against the consequences of other forms of certain misfortune. This might include compensation for travel delays, loss or theft of personal effects, lost or stolen baggage, among others. Do I Really Require Health Protection Abroad? The fact is that you are the only person who can decide that, but it is recommended that you give it serious consideration without a doubt. You may discover that you are personally responsible for the cost of any medical treatment you might need, if you are traveling outside the European Union. Medical bills for severe ailments can easily run into millions of dollars in some countries like the United States. Remember that annual travel insurance may not be entirely free, even if you are traveling within the European Union and are covered by reciprocal health arrangements. They only offer free cover to the level available to local residents in the concerned country. However, you will pay as well, if they have to pay for certain forms of treatment. 2013-06-28T17:47:41+00:00 How to Ensure a Safe Travel Abroad/ http://www.eannualtravelinsurance.com/index.php/blog/how_to_ensure_a_safe_travel_abroad/ http://www.eannualtravelinsurance.com/index.php/blog/how_to_ensure_a_safe_travel_abroad/#When:19:38:58Z The odds are that you will have an incident-free and safe trip when you travel abroad. However, travelers can experience unexpected difficulties or become victims of violence and crime. Only the U.S. consular officers that work in more than 250 U.S. consulates and embassies all over the world are in a better position to tell you this. The U.S. consulates and embassies receive calls from American citizens in distress, every day of the year. This article will offer you tips that will help you steer clear of serious difficulties whenever you are traveling abroad. Remember that safety starts when you pack things you will take along. Therefore, do not dress in such a way that could identify you as a terrorist, to avoid being a target. For instance, wearing expensive jewelry can draw wrong attention. In order to ensure a safe travel abroad, travel light in order for you to move more freely and quickly too. Try as much as possible to carry the minimum number of valuables with you and arrange for places to keep them. To ensure the security of your credit cards, cash, passport and other vital documents, lock them up in a safe in your hotel room. The reason is that you may wish to put them each in a different place rather than all in one wallet or pouch, when you have to carry them about. In addition, shun fanny packs, handbags and outside pockets that are easy targets for rogues. Sturdy shoulder bag with the strap worn across your chest as well as inside pockets is somewhat safer. A pouch or money belt worn under your clothing is one of the safest places to carry valuables. On the other hand, if you are carrying medicines along with you, keep them in their original labeled containers, to avoid problems when passing through customs check point. Also, take along copies of your prescriptions including the genetic names for the drugs. Carry a letter from your physician attesting to your need to take the drug, if a medication contains narcotics or it is unusual. Also consult the consulate or embassy of the country you are going, if you have any doubt about the legality of carrying a particular drug into that country. 2013-06-21T19:38:58+00:00 Tips to Finding Great Deals on Travel insurance/ http://www.eannualtravelinsurance.com/index.php/blog/tips_to_finding_great_deals_on_travel_insurance/ http://www.eannualtravelinsurance.com/index.php/blog/tips_to_finding_great_deals_on_travel_insurance/#When:04:33:16Z It is important to get the best deal of travel insurance, particularly if you travel most often. However, there are some things you must consider when looking for great deals on travel insurance. The tips here will help you find great deals on travel insurance. 1. Decide on the Required Cover Prior to Looking for Deals On Comparison Sites. It is imperative for you to decide on the particular type of travel insurance you need for your trip before you go to any insurance website for price comparison. However, the type of cover you choose should cover medical expenses, trip cancellation as well as baggage and belongings. 2. Opt for Annual Cover if You Are a Regular Traveler If you travel three times or more in one year, it is recommended that you obtain an annual policy that will cover all your trips and travels for the whole year. This will cost you less compared to buying separate single-trip policies. However, it is imperative for you to note that the annual policies will not cover backpackers on extended trips as the policy generally cover trips to a maximum of 31 days. 3. Look Out for Medical Exclusions and Age Limits There are a lot of travel insurance policies, particularly the cheapest that will not insure anyone who is above the age of 65 irrespective of how active and fit the person may be. In addition, many standard policies will not cover any pre-existing conditions as well. For instance therefore, your policy will not pay out, if you are asthmatic and suffer an attack on holiday that requires medical treatment. For this reason, get your insurer informed concerning any ongoing medical condition and respond to questions honestly. Your response may cause some insurers to agree to cover specific conditions for a small additional premium or they refer you to a specialist insurer if your conditions warrant it. 4. Choose Scheduled Airline Failure Cover if You are Independent Traveler It is vital that your travel insurance include scheduled airline and end-supplier cover, if you tend to make your own accommodation and flight arrangements. This will protect you in case an airline, ferry firm or Villa Company goes bust after you have booked your holiday. Be aware of the fact that even five-start policies may not likely cover the failures of airlines. 5. Obtain an EHIC Obtain a free European Health Insurance Card – EHIC if you are traveling to Europe. This gives you the right to use to state-offered healthcare at low cost or even free at times, when you are visiting an EU country, Liechtenstein, Iceland, Switzerland and Norway temporarily. If you use your EHIC to get medical treatment while travelling in the EU, some travel insurance policies will waive the excess for medical claims. 2013-06-16T04:33:16+00:00 Tips to Getting Air Travel News/ http://www.eannualtravelinsurance.com/index.php/blog/tips_to_getting_air_travel_news/ http://www.eannualtravelinsurance.com/index.php/blog/tips_to_getting_air_travel_news/#When:01:37:56Z Any information that relates to the aviation industry is air travel news. The information could be warnings issued against going to countries or areas under any sadistic agitation or war, travel advisory from the authorities, news about price hikes or discounts as well as plane crashes or accidents. Air travel is a passion for many travelers and people in general prefer to travel by air as it is considered the safest and fastest means of transportation, despite the occasional accidents. The early settlers from Europe used to travel by ships and boats to North America in the earlier times. The trains were later invented with the steam engine trains and as technology advanced, the electrical trains were made and now the so called super fast bullet trains that is capable of running at the top speed of 350 miles per hour. Nevertheless, what has actually revolutionized people’s means of traveling is the invention of the commercial planes. Air travel news is important to keep travelers informed of any positive or negative development in the aviation industry. It is recommended that you are well equipped with adequate information necessary, before you embark on a particular journey, particularly about the security of the country you are going.  For instance, there are many countries where there are crisis, and it is dangerous to go to any of these countries. On the other hand, you will have first hand information concerning various offers available in the market, in order to get good discounts while buying air tickets. Furthermore, observation revealed that there are a lot changes in the operating system of airlines, such as the list of permitted items and weight of luggage you can carry on an international flight. By following air travel news, you will be able to know and follow the rules accordingly, in order not to cause any trouble while traveling. The internet is the best way to obtain air travel news. Interestingly, many websites that post all important events and other information related to the industry are readily available. You can as well listen to news broadcasts on the Television because they also carry all the important information that can affect travelers in the aviation industry. 2013-06-08T01:37:56+00:00