Preparing your travelling adventure can take months of careful planning, endless lists, painstaking schedules and flight management but are you ever really ready? With so much to plan and take into consideration it’s more than likely that you might forget something!
Well, don’t worry, here you’ll find a checklist of things you might have forgotten to sort or arrange before your big adventure.
Travelling without insurance is a big no, no. You need to be covered for every eventuality. You need to find yourself a reputable provider like safetrip and take out a policy that covers all the bases. So regardless of where you are in the world, what has happened or how far you are from medical assistance, your travel medical insurance will give you peace of mind.
Visit your GP
Getting a clean bill of health before you travel will fill you with confidence before you set foot on that plane. It’ll also get chance to speak with your doctor about any medical concerns you might have. That niggling cough, a rash that keeps flaring up, or a pain in your ankle that comes back sporadically – they’re all things you could bring up. Get your prescriptions up to date, as well as any vaccinations you might need for your travels. You might want to discuss your contraception options while you’re there.
Speak to your credit card provider
Firstly, make sure that your credit card will work at your chosen destination and make a note of all the available banks and ATMs you can use. It’s also wise to speak to your credit card provider and let them know that you’ll be accessing your account whilst abroad. This will stop them potentially blocking your card if they see money being withdrawn in Cambodia and you’re from Stoke.
Many people like the romance of not planning their journey or activities and going with the flow. But you never know what once in a lifetime events you might be missing out on if you don’t do a little research before you travel. A world famous fiesta, or carnival, ceremonies or even rare natural events could be happening, and you might not know. When people ask you where you were when so and so happened, you want to say you were right at the heart of it, not taking photos of your food in a café somewhere.
Speak to your mobile provider
Most phone contracts come with some kind of free access and (un)limited access to the internet in foreign countries, it all depends what you signed up for at the time. If you’re unsure of the details of your contract or what you’ll have access to, then speak to your mobile phone provider before you go. If possible, go into a store and ask them to demonstrate how to activate and set up your phone for use abroad. You don’t want to reach your destination and find that it doesn’t work!
What Does Travel Insurance Cover For You?
Many people in India underestimate travel insurance for no reason in particular. They are of the mindset that travel insurance is an unnecessary investment and can be avoided easily. If you also believe the same, then you are completely wrong!
Travel insurance is as important as health or any other kind of insurance. Travelling is a part of human life. There are hardly any people who do not travel to new places either for work purposes or for vacations. And when you travel, you obviously need safety, right? And safety comes from buying a travel insurance policy.
There are many insurance companies in the market that are providing with different kinds of travel insurance policies. You need to choose the best amongst them as per your priorities and budget. Try to strike a balance between these two aspects (affordability and requirements) as it will help you benefit more. Compromising on your needs or going way beyond the range of your budget will lead you in trouble at a later stage.
Travel Insurance policy provides you a sense of security whenever you are not at home. Apart from you, it also keeps your family members satisfied whenever you are not with them. In this way, you can enjoy your trip in a better manner with complete safety, be it financially or physically.
But before buying the policy, you should be aware with what it covers for you, right? Below mentioned are few points that will guide you regarding the same. Just have a look at them!
Travel insurance provides coverage against the following.
A much awaited trip is what a person waits for to explore, relax and it provides a break from the hectic life, which is quite common these days. The major sadness strikes when the travel plans gets cancelled. Few reasons for the cancellation may be:
- You may fall sick or face illness before the travel date.
- You may face injury which restricts you from travelling.
- Weather conditions are not good for travelling.
- A terrorist attack may strike at your destination.
- An emergency work or situation may rise which makes you cancel your travel plans.
Travelling requires a lot of preparation and planning in advance before you leave towards your destination. It involves pre-booking of hotels, flight, trains etc. and a fair amount of money is always spent on these things which can be non-refundable. If a situation arises in which a person has to cancel his or her trip with the money already paid as advance, then there is quite a chance that he or she will have to face these expenses without any reason.
To save you from facing such financial loss travel insurance comes into play.
Travel insurance cover provides reimbursement to these non-refundable costs incurred by you prior to your travel.
In order to purchase the trip cancellation cover one must insure some or all of your trip expenses.
In addition to the trip cancellation policy one gets a benefit named as trip interruption cover.
A situation may arise when you are required to travel back home in between your trip. But it is obvious that you must have made the arrangements in advance for the whole trip.
Trip interruption plays the role of refunding you the amount of all the unused expenses. These unutilized expenses can be the amount paid for hotel bookings, travel etc.
Trip interruption protects a person from facing unnecessary expense.
No one is immune to health problems and diseases and they can strike you anytime and anywhere without any notice. You don’t want them to ruin your travel plans but it is not in your hand.
In the situation of these medical emergencies the patient requires proper treatment on time. Treatment in many countries can be a costly affair and no one will want to think and worry about the costs at this situation.
People believe that domestic health coverages will work in abroad too. But this is completely wrong as one needs to purchase a separate health insurance cover while travelling abroad.
Travel insurance cover will reimburse you with all the expenses incurred by the insured for the complete treatment. These expenses may include the consultancy charges, ambulance charges, treatment cost and so on.
Medical evacuation isalso known as medevac cover and it goes along with the medical emergency cover.
In case medical emergency strikes at the time of travel this cover provides you with ambulance facility to the nearest hospital and can bring you home if hospital determines that it is necessary in your situation.
You may also choose the hospital which suits you. Along with Sthis the cover provides you with on vehicle medical assistance till the time you reach the hospital.
Lost baggage or passport cover:
Travel insurance cover also deals with lost baggage or important documents like Visa or Passport.
This type of cover is helpful in securing your belongings at the time of travel. One may face a situation like theft or damage which may lead to loss of any important possession. In this situation, this insurance cover will pay you for the loss of your belongings.
You must be aware of the fact that passport is one of the most important document a person requires to travel as no country will allow you to enter without it. If a person loses the passport due to any reason then the travel insurance company will make arrangements for a temporary passport so that the insured does not face any problem and stays tension free.
In case there is baggage delay the insurance company pays you for the basic amenities like clothes and toiletry kit. This is done so that you have required things till the delayed baggage arrives.
Flights only take off when the situations are suitable. With situations we mean weather conditions or mechanical welfare.
Under unsuitable conditions the flights can be delayed or even cancelled.
Delays and cancellations are common in air travel as good conditions required to take off are not in the hand of people. For example: there is a fault in airplanes turbine or stormy weather.
This delay or cancellation may lead to financial loss to the travelers as they might have made pre-bookings at their destination and have paid them already.
Along with paying for the medical expenses or loss of luggage they also provide reimbursement for the loss incurred by the insured person due to delay or cancellation of flight.
It is often heard that he or she missed the flight as he or she didn’t arrive at the airport on time. There can be many reasons behind this like traffic, weather conditions etc. Whatever the reason is, the airline company will not return your money in such a case, which will eventually lead to your loss.
For this purpose missed connection benefit comes as a savior for travelers who are delayed, and incur additional costs to catch up to their trip.
The actual reason for the delay should be mentioned in your policy in order to receive the benefits from this cover.
Everyone thinks of having a good time while they are travelling. But one should know that uncertainties may arise at any moment without any notice.
Situations like natural calamity, serious health problem or a terrorist attack may be the reasons for emergency evacuations. No person will want to be stuck in such a situation in order to be safe and sound.
If you get stuck in this situation in order to reach a safe place or hospital you will have to pay a large amount of money in transportation. Benefits of purchasing this coverage is that it will pay for all the evacuation expenses like airlift, transportation cost to reach hospital.
Worldwide phone assistance:
This cover can be really very beneficial for you at the time of medical emergency, loss of luggage or passport or cancelled flights. It provides you with worldwide coverage and phone assistance so that you can make a call if you face these types of situations.
Along with this they also offer you 24/7 travel assistance service. This cover will provide you with both medical and non-medical benefits like:
- Provide transportation to the hospital.
- Provides proper treatment.
- Free choice to choose your hospital.
- Assistance in case of lost passport or documents.
- Help in locating lost luggage.
Travelling without purchasing a good travel insurance cover in not an option one should prefer. Looking at the possibilities of facing any major or minor uncertainty one must surely purchase a travel insurance cover before travelling abroad as no one knows when it may come to use.
Planning to Study Abroad? Don’t forget to Buy Student Travel Insurance Policy
Going abroad for higher education may seem to be a thrilling experience, but a little carelessness in the planning can run this otherwise pleasant trip into hot weathers. When planning for the admission process, managing the finances, procuring documents – tickets, currency exchange, visa, passport, etc., the one thing that’s often sidelined in the entire drill is travel insurance. But it should be on top of one’s priority list.
Undoubtedly, getting admission in a foreign university could easily be a lifetime opportunity and a dream come true for any student. As lucrative as it may sound, going to study abroad might impose a lot of risk, especially if you don’t have an adequate student travel insurance cover.
Why is Student Travel Insurance Important?
Any unexpected illness or medical expenses on foreign soil can easily make a dent in your savings. Huge disparity in currency makes it even more exorbitant. If you are planning to go to a foreign country without an adequate insurance policy in hand, then you need to rethink. Even working professionals cannot imagine meeting hefty medical expenses on their own in a foreign country just think how exhausting would it be for a student, with limited budget, travelling to pursue education.
Ever thought, how will a student manage alone during any unforeseen circumstances away from family? If you have student travel insurance handy, you will be covered against any loss or damage arising due to personal and medical emergencies. This is the reason why we recommended student travel insurance to you in first place.
Have a Quick Rundown of Some of the Crucial Coverages Offered by Student Travel Insurance Policies:
In India, it might not be that costly, but medical treatment overseas is highly expensive. Why repent later, when you have the option to protect yourself against such unforeseen situation with a good student travel insurance policy. All you need to pay is a small sum of premium once a year and you’ll get all the benefits in return.
Here are just some of the many benefits offered by student travel insurance policies:
- Coverage for Lost Passport – What will you do in case your passport is lost or misplaced? Yes, it can be as daunting as it sounds, but if you have your travel insurance policy in place, your insurer will assist you in acquiring a duplicate passport and will help you arrange important travel documents.
- Hospitalization Cover – In case, there is any medical emergency arising in between your semester, your insurer will recompense or settle your tuition fee that has already been paid by you for that particular semester. The student insurance will reimburse for interruption of studies due to emergency hospitalization or permanent disability or any fatal injury caused to the insured student. However, the claim amount should be within the policy limit.
- Accidental Death or Disability Coverage – In case your sponsor succumbs to an accidental death or permanent disability, then the insurer would compensate the remaining school fees. The claim amount will be based on the sum assured. Unfortunate events like accidental injuries and death are also covered. Any impairment or damage to eyes or limbs resulting from any of such incident, within duration of 1 year from the event or travel date, will be take care off.
- Emergency Evacuation – Imagine a situation, where you have fallen sick, or you meet with serious accidental injuries that requires compassionate visit by one of your family members – parents, spouse, children or in laws. The cost of the flights will be an added burden. And if you have student travel insurance handy, the flight costs (economy class) will be borne by the insurer.
- Coverage for Detention on Foreign Soil – Every year, a number of cases are registered with international universities, where students are detained for inadvertently breaking the law. However, if you have secured yourself with a student travel insurance plan, the bail amount will be compensated. Though any criminal act or deliberate over speeding of the vehicle, will not be considered.
- Dental Treatment Coverage – Getting a dental treatment overseas can cost you a fortune. But if you were smart enough to get yourself covered, your expenses on dental treatment will be reimbursed by your travel insurance company.
Some of the Features of Student Travel Insurance That You Should Not Miss –
- You can enjoy your peace of mind, as you are not required to run from pillar to post in case of an emergency situation, that too in a foreign country.
- You do not need to face any hassle of getting complex paperwork
- You can customize these travel insurance plans as per the duration of your studies or the courses you are planning to undertake.
- Usually, the claims are settled in a convenient and timely manner.
- You can easily purchase your policy online and even pay though online mediums using net banking, debit or credit cards as per your convenience.
We are sure, you must be wondering about the numerous benefits that you can get if only you are insured and how you will be calling for troubles, if you happen to give it a miss.
Studying abroad requires your fulltime involvement. If you want to achieve your goals, it’s imperative that you do not let any unforeseen health or travel related troubles interrupt your academic schedule. Student travel insurance sorts all this and much more for you, and helps you focus on your studies by keeping all the worries and woes at bay.
Dogs – The Best Travel Companion You Can Have
Here is a fact that most people can agree on: dogs make the best traveling companions ever. The loyal creatures get excited at the mere presence of you after you’re gone for just half an hour from their sight. Taking them with you on a trip will be a whole new adventure in their eyes. Wherever you are making a road trip or just going on a vacation, your dog will be happy to go with you.
Taking your dog on an extended vacation is never out of the question, but it’s not something that you should do without taking some precautions. You can make things manageable for them by “training” them to take their time out of the house and relax in different places. Let them find home is anywhere with you. Take him to short trips first, make sure to let explore his surroundings and get familiar with them every time he goes out. Dog training like this is extremely important for you little buddy to feel at home.
Once you are sure that your pooch can handle travel, you certainly will enjoy more of your time with him. If you are still on the fence about taking your dog for a ride, here are some solid reasons why they are the best travel companions you will ever have.
They will Make Even the Longest Trip Amusing
If you have never traveled with a dog on a car, take a moment to see a few videos on YouTube. They are some of funniest companions you can keep at your side. If you like to travel with music, they may even “sing” with you (they growl as my terrible music taste). They will get excited over anything that gets their attention, and they will remain in their side of the seat most of the time.
Dogs Travel Light
When you take a road trip with a partner, the hassle of baggage comes with them, namely in the form of large suitcases that take a lot of space. Dogs don’t need any luggage. If they do, it’s because you as their owner need to provide them with something (a little toy, a pillow, etc.) plus the only space the dog takes is the seat he rides on and that’s it.
They Don’t Complain
You are on the road, and you find traffic. You are likely to curse and keep going. Your dog? He won’t even care. You make a stop to get some gas, or pick up a meal. The dog sits tight in the car with his little dog collar while you do your business. Starts to rain? The dog won’t even flinch. Also, the dog won’t bother you with the old classic “are we there yet?” a thousand times over.
Dogs Make the Trip Enjoyable
If you are going to bring your pet dog to a nature-themed trip, they will be the ones pointing out the things worth looking at for you. If you are visiting the countryside, the mountain or the beach, they are the ones that will enjoy the open space and make you realize of much you can enjoy nature yourself. They will smell the flowers, walk through narrow paths with diligence to guide you, and bathe on the shores with you. They will run around and get the most of the experience. It’s very likely that you will get tired before they do.
Dogs are Very Photogenic
Your trip won’t be complete without some mementos to remember the occasion. One of the best thing about dogs is that they are born models, and they always look good in pictures. Make sure to take as many as you can. We can’t say for sure why this happens, but they seem to know when they are having their photo taken, and they will gladly pose for you. You probably will even get a glimpse at how your dog smiles in one of them!
Their Social Skills Are Probably Better than Yours
Ever noticed how the people in the park with dogs always get approached by other to socialize? Dogs can’t talk, but they sure are some of the best icebreakers when it comes to helping you get to know new people. Their friendly nature can be beneficial on a trip, especially if you have problems to talk to other people out of the blue.
Meet Cole and Adela
We have been wearing out our jandals (Kiwi for flip-flops) on our travel adventures around the world since 2009. We think our blog is thought provoking and a little witty. But we have been proven wrong before. Find out more about us here...
New on Four Jandals
- What Does Travel Insurance Cover For You? November 22, 2018
- Planning to Study Abroad? Don’t forget to Buy Student Travel Insurance Policy November 22, 2018
- Dogs – The Best Travel Companion You Can Have November 20, 2018
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