Travel medical insurance is an insurance package that offers certain medical coverage while traveling. These plans are similar to that of normal health insurance policies, but are associated with traveling. Travel medical plans consist mainly of one of two types of policies, namely temporary travel medical plan and permanent travel insurance program.

To acquire travel insurance, an individual needs to pay a monthly premium to the insurance company through a travel agent. The company then pays for all medical care required by the customer while traveling.

International travelers, who travel frequently, mainly require this type of insurance. There are various choices to be made amongst travel health insurers, which offer help to numerous traveling people. If travelers develop some medical troubles outside their country, these travel programs provide them with all the necessary medical assistance and protection.

These travel health insurance scheme provides hospital security benefit of $100 or more per night, for travelers going outside the US. They also provide $15,000 and more to cover suitable medical expenses for previous health conditions. These are the most attractive feature of these travel plans.

Reasons To Get Travel Insurance:

Is travel medical insurance necessary or waste of money? This is a common question arising in the minds of many people, when they think of a travel insurance program. There are certain reasons that show how important travel health coverage can be to a traveler.

While seeking an affordable travel package, people need to pay attention to its price structure. Most of the available travel medical plans are of low cost. The traveler is ready to spend the vacation money for fun, but chances of medical complications can add extra money. To avoid this, it is very necessary to buy a cheap travel health insurance package.

Most medical policies provide health care assurance all around the world. However, they do not offer full amount as per the coverage. For instance, if a person is traveling on a cruise ship, the basic health insurance plan will cover only 50 percent of the doctor's visits on the ship.

However, the medical travel package covers the full amount and sometimes more. Therefore, travel insurance programs are the best choice for international travelers to protect themselves while relaxing.

Many travel medical insurers offer policies, without a medical or health examination. The package takes care of all the medical expenses associated with any medical crisis, while traveling.

Final Advice:

Travel medical insurance provides peace of mind, during your entire trip. To make the vacation more enjoyable without any hassles, it is very important to have travel medical insurance. For those travelers, who have previous medical history this is even more important.

Travelers with previous history have a high risk of medical complications during traveling and there is no chance of extra expense, if they already have travel coverage. You really don't want to take the risk of not having it.

A travel agent generally offers the travel health insurance when making bookings, and a large number of travel agents, who provides these policies, are available online. To conclude, travel health coverage provides an extra level of comfort and deals with all the medical complications get a quote below.

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When in Sucre cheesy as the 'dino mobile' looks a trip to the dinosaur footprints will exceed your expectations.  The cost of a visit is cheap and the prints are extensive - it's just such a shame & quite unbelievable that such a treasure is still part of a working quarry.  The prints scale a sheer rock face which shakes with dynamite explosions from the base even as you watch - let's hope that UNESCO win their battle and these footprints are preserved for future generations.

Do not miss the world wonder which is the salt flats of Uyuni.  There are 2 choices of trip - either a 1 day trip out to the salt flats & back or a 3 day trip across the salt flats and on in to San Pedro De Atacama - Chile.  If Chile is on your travel path then this is probably the best trip to take as you will see all the attractions of the salt flats along with the red & green lagoons & flamingos.  The 1 day trip will however cover the salt flats element and from Uyuni you can get an overnight train down to the border with Argentina.  These trains do not leave every day though so worth checking before you arrive to avoid a prolonged stay in Uyuni.  Once in Uyuni every shop is a travel agent and trying to choose who to go with blows your mind - all offer pretty much the same thing the decider needs to be how good their English is and the state of their vehicles.  All operators have books with reviews from previous travellers so have a read of these before you decide. 

La Paz is the unofficial capital of Bolivia and  the biggest city at high altitude in the world.  It´s a fascinating city, full of markets .. including the notorious witches market where Bolivians buy llama foetuses which hang in the doorways of all the shops - they´re believed to bring good luck if placed in the foundations of a building. For all those that have read ´Marching powder´ - yes the prison is still there but unfortunately when we were there nosy backpackers were no longer permitted access (although in Bolivia money talks so if you're feeling brave it could be worth a try!).

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If you open your passport to page two, you will see a warning that says that anyone who is considering foreign travel should find out what travel medical health insurance coverage, they will require while they are outside the United States. For any US citizen going abroad, Medicare does not cover the medical care costs outside the US and US territories, except in rare cases in Canada and Mexico.

In fact, it might surprise you to learn that many international travelers travel without appropriate and adequate insurance protection. US Government sponsored health insurance programs, like Medicare, are highly unlikely to cover any emergency medical care that you may have to receive in a foreign country.

Even employer sponsored plans usually have limited overseas coverage, for emergency care only, provided you can prove the emergency. Whether you are traveling on business or for pleasure, you probably have gaps in your travel medical coverage that you are not even aware of.

Always remember that adequate travel medical insurance is critical for any international travel. Getting good healthcare may be a tricky business in itself in some parts of the world.

Some hospitals, the world over do not provide treatment or allow a discharge until they receive a guarantee of payment. In most cases, such a guarantee can most easily be provided by your travel medical insurer.

So, if you don't have adequate cover, you may have to pay in thousands of dollars advance, with your credit card, provided the hospital accepts a foreign credit card, which many don't.

In addition, in that pinch situation, your card must also have a large enough credit limit to cover the estimated cost of medical care.

Also, getting sudden medical evacuation, to return to the US, where the healthcare is of a known level and your regular insurance is good enough, can be even trickier.

Local authorities usually have tie-ups with certain evacuation companies, which may not recognize either your credit card or your domestic insurance.

Most of the travel medical insurance plans, however, include medical assistance benefit giving you 24/7 access to a creditable evacuation company or will actually arrange for an evacuation through their own medical personnel.

If you have medical insurance cover in the US, assess the plan that you have. Check with your insurance provider and determine exactly what kind of coverage you have, under the existing policy.

If you feel that the provided cover is not enough, have your travel medical insurance cover increased before you ever leave home. If you don't already have insurance, you know how difficult things can sometimes get. Think about how much worse it can be in a foreign and unfamiliar country.

There are three major types of travel medical insurance coverage to be considered before you leave. Most reputed travel insurance products will offer either all three of these, or, at least two of them:

- Supplemental medical and accident insurance pays for the doctor and the hospital bills. May sometimes include dental care as well as medications. Does not cover preventive care, including annual physicals.

- Medical Evacuation plans take care of expensive evacuations which can cost as much as $50,000. In addition to the insurance cover, they should provide assistance in arranging the evacuation.

- Trip cancellation or interruption plans cover you financially in case you suddenly need to cancel or interrupt your trip for a medical reason. If you can't take the vacation because of a personal or family illness, the insurance will reimburse you for the non-refundable parts of the trip.

Find and purchase a comprehensive, secure and worldwide travel medical insurance plan. Don't leave home without it.

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Book ahead

It is tempting to turn up at a town and find a place to stay once you arrive, but it does pay to book your accommodation ahead - if your transport is delayed, you could arrive at a new destination in the middle of the night, and the last thing you want is to be running around, looking for a hotel! If you are intending to travel to a place in peak season or during a festival, booking ahead may be essential for you to find anywhere to stay.

Buy your travel insurance...

Given how easily you can buy cheap travel insurance online, there's really no excuse for travelling uninsured. If you are a frequent traveller and you are concerned about price, consider investing in annual travel insurance - the savings can be considerable.

...and read the policy!

Don't just buy the first cheap travel insurance policy you find and leave it at that. Make sure your travel insurance will cover you for any activities you are going to take part in (especially any dangerous sports), and make sure you read up on any exclusions in the insurance. Thinking you are insured when you are not can lead to some very expensive holiday mistakes!

Watch out for conmen

In many countries, tourists are common targets for conmen and pickpockets. Travel insurance can help replace any items that you lose as a result of theft, but by keeping your eyes open and your wits about you, such problems can be prevented. Conmen often work in teams, so if a stranger bumps into you or spills something on you, don't let yourself be distracted - watch out for their partner who may be trying to rifle through your valuables!

Don't flash your valuables

Another way to avoid attracting conmen is to not show them anything valuable in the first place. Be careful about displaying jewellery, digital cameras, expensive watches, and other valuables while you are aboard, especially if you are in marketplaces or in poorer areas. Make sure you ask permission before you photograph any locals, and be especially careful about photographing near military installations or airports - in some countries this is regarded as espionage!

Email your details

The internet isn't just a good place to pick up cheap travel insurance online - it can also be used to store vital information that you can access anywhere. Email any essential information to yourself before you go, including any details of flights, credit card numbers, passport numbers, insurance information, helplines, embassy information and so on. If you lose any crucial documents, all you have to do is check your email and you'll have the full details you need.

Copy your documents

Make multiple copies of all your essential documents, including your passport, flight details, any booking confirmations, and travel insurance policy. Leave one copy with friends or family at home, and take another copy with you on holiday (keep your copies separate from the original documents!)

Be careful with your cards

If you are relying mainly on cards to withdraw cash, try and take more than one card (a debit card and a credit card). Keep one of them on your person and the other hidden away in your room or in a safe, so that you have access to funds in an emergency.

Spread your cash around

Don't carry all of your money in one place. Carry a "mugger's wallet" with a small amount of cash and no vital cards or documents in it, so that you can surrender it if necessary. Take a mixture of cash and travellers cheques on holiday with you; the latter can be replaced if they are stolen.

Use the hotel safe

It's an obvious facility that a surprising number of people don't use - the hotel safe is the perfect place to store your valuable and irreplaceable items.

Some holiday disasters can be avoided, others are just down to plain bad luck. But running into trouble doesn't have to ruin your holiday - by taking a few precautions (and of course, by taking out some good quality travel insurance!) you can make sure that you have a relaxing and stress free holiday.

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Travel insurance policies are a great way for travelers to protect their investment and cover themselves financially while away on vacation or a business trip. Both travel and demand for travel insurance are ever increasing and cover is now available through many different insurers. This article will discuss a number of ways to save money on travel insurance which all you should know about if you are looking for a policy.

Start with a Basic Plan and Go from There

One of the first ways in which you can save money on your travel insurance policy premium is to start with a basic insurance plan and work your way up from there. Many insurance providers will offer basic travel plans and then provide options for adding on other types of coverage. For example, a basic insurance plan for travel needs may include trip cancellation protection and cover for lost or stolen luggage but the individual will have to add on additional facets of coverage such as medical expense reimbursement and personal effects coverage. By starting with a basic plan, you are able to pick and choose which additional benefits suit you. This will save you money in the end by keeping off benefits and features which are unnecessary for you.

Forgo Deductibles

Some insurance companies will have an excess or deductible amount attached to the policy in addition to the set premium. This is something which can cost the individual more should they need to make a claim on their insurance for some reason or another. Not all insurers will have an excess, therefore it is a good idea to shop around and look for policies with minimal or no excess for claims.

Consider Annual Travel Insurance Plans

Travel insurance policies come in many different forms. Some are single-trip policies whereas others will provide benefits and cover for an entire year. Although annual travel insurance plans are more expensive than single-trip travel insurance plans, they may save the insured money in the long run.

If the individual travels on a frequent basis, buying an annual insurance plan will often be in their best interest as it will cover them the entire year for all of the trips which they embark on. When comparing that to the price of paying for individual policies each and every time you travel, obtaining an annual travel insurance policy will often be the best way to save a lot of money and have peace of mind knowing that year-round coverage is present.

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Holiday Insurance is a necessity especially for people who loves to enjoy great things in life. Holiday Insurance is identical to travel insurance. It consist of trip or outing such as traveling in other places, attending sports like skiing, snowboarding or chilling out in the beach.

Holiday Insurance could help you when financial problems might occur. It protects the person in the contract and his/her family from minor problems such as delays of tour, damage or loss of belongings, cancellations of flight, accident and medical costs to natural disasters. This contract covers the entire period of their holiday.

Listed Below are the remarkably holiday insurance one can choose from:

1. Single Trip Holiday Insurance

The most accepted type of holiday insurance. It is very supple in catering all the demands of the travelers. It only comprises insurance for one-off trips for the period she/he is away.

2. Back Packer Travel Insurance

An economy travel insurance for those who likes traveling Europe or crossing around the world. The trip is either for work affair or just a simple escapade that she/he is dreaming of, this insurance gives her/him a complete deal at very low price fit for 12months, no matter what he/she is doing while away.

3. Annual Holiday Insurance

This insurance covers the entire holiday whole year round. This appropriate to all those people who really loves taking a vacation, traveling abroad, having fun through out the year in one low payment.

4. Ski Holiday Insurance

This is a distinct type of insurance, which can provide readiness in any threat or danger with ski holidays. It includes mountain rescue, helicopter revival, and air ambulance so one will feel secured when skiing and fully aware that she/he is cover when an accident occurs.

5. Snow Boarding Holiday Insurance
This Holiday Insurance is much similar with the Ski Holiday Insurance which deals with the helicopter revival, mountain rescue and air ambulance. One is guarantee for a safe holiday in having a snow boarding adventure.

Tips in securing holiday insurance

Before acquiring for Holiday insurance, one must have a wide knowledge about the do's and don'ts, the policies, and the itinerary that the insurance covers.
She/he must consider all the sensible threat that may occur.

1. Understand carefully what was on the policy and coverage of the insurance. One should ask all the queries on her/his mind before signing the contract or buying the insurance.

2. Take into account the medical coverage that the insurance offers. This is important especially when one is in unindustrialized country wherein medical resources are restricted. Think about the charge when one needed to be transport for help.

3. The year round policies for frequent travelers that should be consider. This cheap insurance covers a period.

4. Do not depend on the travel agent. Most of the agent does not really have the wide knowledge when it comes to insurance and the policies it has. They are only proficient in travel documentation but not with the assurance of holiday trips.

5. Purchase insurance to a reliable source. Remember that one must know the history of where she/he will buy the holiday insurance to avoid any dilemma of acquiring the wrong cover.

Upon acquiring this entitlement, one must secure the knowledge of knowing procedures in this matter.

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While I do daily searches on this hot topic, it seems it's fizzling out pretty fast on the major travel forums and press.

What am I talking about? Well recently Cuba announced that anyone entering their country as a tourist and other means I will not talk about here, it's now mandatory that you carry travel medical insurance coverage prior to entering Cuba!

Over the past couple of months the Cuban Government issued a list of authorized travel insurance providers, and to my current knowledge, if your insurance company is not on their list, it will not be valid.

What Happens If My Travel Insurance Coverage Is Not On Cuba's List?

If your preferred travel insurer is not on the list, then you do have the options to purchase any of the white listed insurance companies, or you can opt to purchase medical insurance in the airport the moment you arrive in Cuba. However, we hope to have more information and details on the cost and coverage they will be offering, because at this time it seems to be somewhat vague.

Will This Impact Tourism To Cuba From Confused Angry Canadians?

There's no question that as each Canadian listens to this controversial story, no one really understands the true nature behind it! As a travel professional I have been selling my clients travel medical insurance to all destinations outside Canada, including Cuba, and have always expressed the importance of this coverage when visiting countries outside of Canada.

To my knowledge, I was not aware that Cuba's medical services were being offered to foreign travellers for free, and in my opinion, I don't know of any country that would be able to do such a service without losing a ton of money in the process.

The question on my mind and I'm sure on many others throughout the travel industry will be; how is this going to impact tourism to Cuba? My guess is for travellers that love to visit Cuba year after year this is not going to affect them. But for vacationers that are planning to get away next winter may re-think going to Cuba and may select another vacation spot, such as the Dominican, Mexico, and Jamaica to name only a few.

I'm thinking anyone that's undecided and had Cuba on their list, will be looking at the pro's and con's. I would be almost certain any traveller that snubbed or made an effort to rebel against medical coverage this would be a major deciding factor for them.

Let's Get To The Real Issue At Hand About Travel Insurance!

You see, in my opinion it doesn't matter to me whether a country such as Cuba issues a mandatory statement to carry medical insurance or not. I have been telling my clients for years that travel medical along with sufficient cancellation & interruption coverage is crucial for anyone travelling outside of their country.

It's not just about the country you're visiting! I love to give people true scenarios and occurrences that paint the reality of what could happen at any moment during or after a vacation.

One example I talk about with passion is when a traveller decides to visit a Caribbean Island, and we will use Cuba. Let's say you made the choice to not purchase a preferred Canadian travel medical policy and decided to go with Cuba's local coverage.

Now you're having a great time in Cuba, and then all of a sudden you start feeling extremely sharp pains. You contact the insurance company from the policy you just purchased, and you pray that the person on the other end speaks English. Okay they do speak English and the next step they recommend make arrangements to get you to the nearest Cuban hospital.

After all the tests are done, they claim it's your appendix and it has serious damage. The hospital provides you medication and sends you on your way.

Let's fast forward. You were extremely happy that you purchased the Cuban medical coverage, and your tests and medication was covered. Your trip is over and you're about to board the plane to arrive back into Canada.

Here's Where The Proper Travel Insurance Coverage Makes A Difference!

You're sitting on the plane thinking about your close call at the Cuban hospital, and feeling very lucky with your choice. Then all of a sudden, you start getting extremely jolting pains that feel that someone knifed you repeatedly.

At this very moment the pain is so excruciating that you yell for the flight attendant to help you, and at that moment the pain is so bad that you are virtually passing out. Good thing the flight attendant is recognizing your signs, and realizes that you may have experienced a burst appendix.

Having to make a quick decision, the pilots flying the charter flight back to Canada announce that due to the serious nature of the situation, they're going to have to land in the closest available city, guess where?

You guessed it! These pilots now have to land in the closest city which happens to be the United States. Wow, who would have expected this to happen? Probably no one, yet this is an occurrence that has happened before, and can easily happen again.

The fact that you're now admitted to a United States hospital changes everything. Does the Cuban medical coverage provide protection anywhere outside your country, more than likely not. Do you now have medical insurance to cover your surgery costs and the days you may need to recover in the U.S. hospital, nope!

With no medical insurance coverage, you will now be responsible for paying full medical costs, less what your province of residence may or may not cover. Less than 30% off the top of my head, and of course there will be restrictions to what is covered.

Let's say you were in the hospital for 4 days, which includes the surgery. Do the math, because to knowledge some hospitals in the United States charge somewhere between $2000 per day and up, and that doesn't include the surgery costs. I'm thinking that before you walk out the hospital door, your bill is going to humongous!

The moral of the story here is that no matter if a destination country now requires mandatory medical insurance or not, it's always in your best interest to find the best coverage that not only will protect you at the destination you're visiting, but also anywhere in the world, just in case something unexpected happens that's totally out of your control.

As you can see in my example, you made the smart choice to purchase the Cuban medical coverage, but was it the smartest choice? I leave that up to you to decide.

Remember, we offer the best coverage in the travel industry to date, and guess what? It's on the Cuban approval list!

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