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What Does Travel Insurance Cover For You?

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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.

Trip cancellation:

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.

Trip interruption:

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.

Health emergencies:

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:

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.

Delayed flights:

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.

Emergency evacuation:

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.

Cole is one half of New Zealand's leading adventure travel blogging couple who have been wearing out their jandals around the world since 2009. He loves any adventure activities and anything to do with the water whether it is Surfing, Diving, Swimming, Snorkeling or just lounging nearby on the beach. You can follow Cole on Google+. Or consider following us via RSS Feed, Twitter, Facebook and subscribe to our Newsletter.

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Travel Tips

Dogger-Lust: Finding Places to Stay for You and Your Dog

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Travelling with your pets is rewarding but like all adventures, can be an expedition into the unknown. Whether it’s navigating quarantine laws or finding a pet sitter for a night out, getting sorted with a pet in tow on the road, air or ocean can take time. However, the good news is that as the digital economy matures there are countless resources to assist you. Pet sitters? Plan ahead and Skype interview them for piece of mind before you arrive at your destination. Need a recommendation on pet friendly dining options? Most review sites will have a selection of places for you and pup to frequent. And perhaps most importantly, there is the ability to locate online the closest (and open) veterinary clinic. This can be vital in an emergency situation.

But what about accommodation? Some hotels are finally cottoning on the burgeoning market of travelling with pets and some accommodation sites are adding ‘pet-friendly’ filters to their search criteria. Of course, good old fashioned word-of-mouth and online reviews will also enable you to find less obvious pet friendly lodgings as well. However, we have had the most success by finding our ideal accommodation and then contacting the owner/management to make our case for allowing a pet to stay. In this case, developing a slick looking Pet CV may seem a tad twee, but it is generally only seen in the case of long term rentals – rather than travellers and those on holidays – so it’s worth a shot. It’s also worth noting that in dire circumstances many private or hotels will allow pets – at a price. 

For the ultimate in pet friendly accommodation, there are several destinations that should be on bucket-list. In Europe, see Le Bristol in Paris and The Hoxton in Amsterdam. Dogs even stay for free at the Hotel Beau Rivage in Geneva. Leading the way in Asia is Japan’s KAI Kinugawa, a sumptuous onsen lodging with a Japanese-style pet friendly room. If you’re heading Down Under, check out The Langham in Sydney and Somerset on Elizabeth in Melbourne who both willingly welcome your pets. Worldwide, large chains such as Four Seasons Hotels and Resorts, Best Westerns, Fairmont Hotels and Ace Hotels (selected properties) all offer pet friendly accommodation of luxurious quality and an array of services from doggy spas to fine dining pet menus. 

Another way to ensure you and your dog are always welcome is to take your home with you – wherever you go. While Tiny Homes are making their mark in sustainable living, the humble caravan is ultimately more portable and your ticket to travelling with pets. 

Best of all, when you’re back on home turf, just park your caravan and protect it until you’re ready for your next adventure. We recommend the Adco motorhome cover for its durability and zippered panels meaning you don’t have to completely remove it to get your vehicle. Bonus points for breathable, premium fabric that filters 99.8% of UV rays that over time damages your caravan’s paintwork. Happy travelling! 

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Travel Tips

6 Tips to Choose a Good Tent and More [Infographic]

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Probably one of the best ways to get away from it all is to return to a simpler existence, with just a handful of needs to cover. If you are looking for something like that, outdoor life and camping can be a good option, whether in a campsite or in the countryside.

If you need to buy a tent for the first time or if it has been a long time since the outdoor experiences, you should take into account some basic concepts due to the large number of models and new materials. The following are some tips that will help you in the choice.

>> Camping essential – a personal GPS tracking device that would work without cell service.

1. How many people will sleep in the tent?

Although normally each model of tent indicates the maximum occupancy that it tolerates, this number does not take into account the storage of equipment, the size of people, pets or the sleeping habits of each, for example, if they move or turn much. Then it is not bad to consider the team as an extra person and if you want to be standing inside it you will have to find out the maximum height.

2. Do you have to transport it long distances?

Not all tents are designed to be super light and, at the same time, shelter six people with all their equipment. If you are going to carry it in a backpack, you are clearly looking for the first, a small tent, with limited capacity and made with lightweight fabrics, but if you are looking for the second, then you should focus on heavier fabrics and materials that allow larger spaces.

The backpackers’ tents are less spacious than the family ones that are normally transported by car and usually offer very little height.

3. The weather should not be set aside

In the case of strong winds, freezing rain, excessive sunlight or insects and bugs that bite the best will be a good and solid tent. That means polyester / nylon and mesh panels to provide protection and ventilation. Water resistance is indicated by a number that ranges between 400 and 2,000 (2,000 is the most waterproof).

Anyway do not overdo it, it is not the same an expedition to Aconcagua than a weekend a couple of hours from home. For a summer camp with 400 it will be fine.

4. With or without rooms?

Some tents offer divisions to create separate “rooms” inside, which is ideal for families with children. There is also the option of a porch area with waterproof windows that allow you to create an indoor / outdoor space in a tent, which helps keep annoying insects at bay and prevent entry with wet or muddy slippers. It is best to have an eave or apse, something very useful for storing equipment, cooking, changing wet clothes.

5. With a roof – much better

Tents that have an over-roof to the floor retain heat better and protect more from rain. It is important to keep in mind that a light color of the over-roof absorbs less solar radiation and warms its interior less, although it has a disadvantage that it allows the light to pass through a lot. On the other hand, if it is dark, and the tent is located in the shade, it will be cooler and less bright.

6. What material?

A minor aspect is the fabric. It must have cross ventilation so that condensation does not occur. The rips top or anti-tear fabrics are better than those of aluminized nylon and, obviously, those of common nylon since they are lighter and do not wear out.

The following infographic gives more tips for camping tent, including preparation, how to pitch a tent, pest control, etc.

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Travel Tips

Here’s What Your Travel First Aid Kit Should Look Like

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first aid kit

If you have heard it once, you have heard it a million times: do not travel away from home without at least a basic first aid kit. That is good advice. And if you frequently travel to remote locations where emergency help is hard to find, you might need more than just a basic kit. Plan to take a few more items with you – just in case.

As a benefit to readers, this post will explain just what a basic travel first aid kit should look like. It will also explain how to use your kit should you ever find yourself in an emergency situation. It goes without saying that first aid is often the determining factor in how well a patient recovers from accident related injuries.

Contents of a Good Kit

Basic, travel approved first aid kits are pretty common. You can buy them online and in all sorts of brick-and-mortar stores. A good kit suitable for a couple of days of hiking or camping in an area fairly close to civilized society would include all of the items listed below:

  • Strip Bandages – These are small, adhesive bandages ideal for small cuts and lacerations. They are also great for blisters and boils. Covering a small wound with a bandage helps keep out dirt and prevent infection.
  • Gauze Bandages – Whether your kit has gauze patches or a roll of gauze strips, this material is suitable for deeper wounds. Gauze is a material designed to absorb blood and promote clotting simultaneously.
  • Medical Tape – Gauze pads and strips are more easily held in place when you have medical tape. A high-quality medical tape will hold up even under wet conditions. It resists perspiration as well.
  • Antibiotic Ointment – Preventing a wound from getting infected is the purpose of antibiotic ointment. A decent tube of ointment can be very helpful without taking up a lot of space in your kit.
  • Pain Medication – A bottle of over-the-counter pain medication goes a long way toward making an injured patient more comfortable. Aspirin, acetaminophen, and ibuprofen are all good choices for pain relief.
  • Scissors – A good pair of scissors will be useful for cutting medical tape, trimming gauze pads, and safely removing skin from an open wound.
  • Tweezers – You might need a pair of tweezers to deal with splinters and small objects embedded in open wounds.
  • Thermal Blanket – It is a good idea to include a thermal blanket in your travel first aid kit. Though a lot of similar articles don’t mention the blanket, the need for one becomes obvious when you understand how easily shock can set in following an accident. A thermal blanket is critical to keeping someone who is in shock warm.

The items listed here are the starting point for a basic first aid kit. If you plan to travel into remote areas for any length of time, you might want to consider some additional items such as water purification tablets, antidiarrheal medicine, rehydration salts, butterfly bandages, and a quick clot medication.

How to Use Your First Aid Kit

By now you should understand just how important it is to have a first aid kit with you when you travel. But there is more to first aid than simply assembling the supplies you need. You also have to know how to use them. There is no better source of knowledge than a first aid class offered by a qualified organisation.

Anyone who travels away from home regularly could benefit from taking a first aid class. A typical class teaches basic first aid techniques including wound dressing, stabilising fractured bones, performing CPR, and even dealing with a variety of animal and insect bites.

One of the things you quickly learn in first aid class is that the care you provide to an injured patient is not intended to be a substitute for comprehensive medical care. First aid is really just to stabilise an injured person until he or she can be transported to a medical facility.

The take-away here is that it is a good idea to learn how to use the supplies in your first aid kit to render emergency care for the purposes of stabilising an accident victim. If you do not know how to properly dress an open wound, for example, your patient could end up with a serious infection before he or she ever makes it to the hospital.

A travel first aid kit, even if it is just a basic kit, should be non-negotiable for people who frequently travel away from home. Good first aid kits can be found online and at brick-and-mortar retailers. You can make your own kit as well, by starting with a weatherproof container and filling it with the sorts of things listed in this post.

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Meet Cole and Adela

Cole and AdelaWe 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...

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