Travel Insurance

Basics

You Need to Know

Before You Travel

TRAVEL INSURANCE BASICS YOU

NEED TO KNOW BEFORE

YOU TRAVEL

T raveling abroad has many perks.

For one, you get to see spectacular

sights you don’t normally see everyday.

Apart from that, you also get to meet new

people, experience different culture, and

learn about so many valuable things

including a place’s history and heritage.

Moreover, during a vacation, you will not

only get the relaxation that you need, you

also get to do different kinds of activities

that will give you a rush like no other. It is

for these reasons why people constantly

have that inherent urge to go places.

Now before you pack your bags and get

on to the next flight available, you have to

remember that traveling is not all about fun

and excitement. It also requires careful

planning and preparation if you want your

journey to be a safe and successful one.

One of the things that you would definitely

need to plan for is the travel insurance.

Travel insurance is like a financial “safety

net” that protects you from various kinds

of adverse scenarios that can happen

during your trip.

Travel Insurance Coverage

A good travel insurance policy will

cover all sorts of misfortunes ranging from

minor ones like minor illnesses, insect

bites, mild injuries to major catastrophes

like broken limbs, serious accidents,

medical bills, and emergency evacuation.

Apart from illnesses and accidents, a

policy should also cover lost baggage,

delayed flights, cancelled flights, and so

on. The policy should compensate for

whatever monetary loss, inconvenience,

pain and suffering that you have endured

because of these circumstances.

Exclusions in the Coverage

Insurance coverage differs per policy.

But usually, insurance don’t cover

chemical attacks, injuries caused acts of

terrorism, civil war, or commotion,

illnesses due to alcohol or illegal drug use,

injuries caused by dangerous or extreme

sports, attacks from pre-existing medical

records such as diabetes or hypertension.

Insurance Travel Tips

Purchase travel insurance prior to your

trip. It is always best to buy insurance

before you even book your vacation. This

way, you can be covered for any possible

unfortunate event that may arise even

before you vacation begins.

Study your options. There are many

kinds of travel insurance, which include

but are not limited to international

student insurance, visitor health

insurance, family holiday insurance,

insurance for senior citizen, insurance

for people with pre-existing medical

conditions, and so on. It is important

that you study all the options available

along with the costs and inclusions so

you can choose the policy appropriate

for you.

Keep a photocopy of all your travel

insurance documents when you travel.

In the event of a medical emergency or

accident, you need to submit the

following information to the insurance

company: police reports, medical bills,

doctors’ reports, boarding passes and

tickets, and so on.

See to it that you have the necessary

travel insurance company information

with you before you travel. You should

have the number to the company’s

24-hour emergency hotline.

These are just few of the many things that

you need to know about travel insurance.

Make sure that you thoroughly study about

it before you go on with your trip.

SAFETY TIPS FOR

TRAVELING ABROAD

A re you going to travel abroad? Then

you must know that a good travel

experience revolves around safety and

precaution. Do not leave home without

carrying these safety tips with you. This

way, you can assure of a fun and at the

same time, safe journey to your

destination.

Safety Tip # 1 – Don’t Act like a Tourist

Tourists always stand out in the crowd

simply because they do not belong. Before

you head to your destination, find out what

the locals wear and how they act so you

can blend accordingly. Avoid taking out

your map and holding it in broad daylight.

It is not a good idea to stare in awe at the

attractions or look as if you are lost and

confused. Moreover, keep your camera

inside your messenger’s bag instead of

hanging it around your neck. Be discreet so

you do not attract criminals who are

always on the lookout for unsuspecting

Be discreet so you do not attract

criminals who are always on the lookout

for unsuspecting tourists.

Safety Tip # 2 – Study and Plan Your

Trip Properly

Read up about the country or city of

your destination. Do not only learn about

the popular tourist attractions but also be in

the know when it comes to customs,

traditions, tourist traps, warnings, off-the-

beaten-path spots, and language. Learning

important phrases of the native language

can come in handy during emergencies.

Extensive knowledge about the place will

contribute to your safety.

Safety Tip # 3 – Avoid Shady Hotels

Go for reputable hotels that are located

closely to tourist attractions. This is

important not only for your convenience

but also to ensure that the hotel is located

in a safe neighborhood or vicinity. See to it

that prior to booking with a hotel, you read

plenty of online reviews about it so you

know what you are getting yourself into.

Safety Tip # 4 – Buy Travel Insurance

Travel insurance can protect you from a

wide array of unfortunate scenarios

including medical emergencies, accidents,

lost baggage, and delayed trips or

cancelled flights.

There are many types of travel

insurance coverage such as general travel

insurance, visitors health insurance,

travel insurance for senior citizens, and

family holiday travel insurance, among

many others. See to it that you purchase a

policy that is appropriate for the kind of

trip that you will be having. For example,

if you are not planning on staying long in

your destination, a short-term health

insurance makes sense.

Safety Tip # 5 – Get Vaccinated

This is particularly important for people

traveling to remote or far-flung

destinations. Vaccinations are crucial to

protect you from certain kinds of illnesses

that you may catch during your trip.

A trip to the doctor prior to your

vacation should be in order.

Safety Tip # 6 – Secure your Belongings

Always secure your belongings,

especially your valuables during your

vacation. Keep your travel documents like

passport and visa with you wherever you

go. It would be best not to bring any

jewelry during the trip. As for cash, it

would be a smart idea to rely on traveler’s

checks instead of cash and credit cards.

Keep it safe while you are on

vacation with these simple tips to keep

in mind.

For more information about health insurance for international

students and

international student insurance, please check out

www.zinternationalstudent.com