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Travel Medical Insurance – Patriot Trip

May 19th, 2018 Comments off

Patriot Trip – Travel insurance comes into use if the pre-planned trip gets canceled in the middle due to unforeseen circumstances. This popular trip cancellation insurance plan covers a wide range of benefits like expenses incurred for advance booking of travel and other reservations during the trip, emergency reunion, personal baggage loss, repatriation of mortal remains, travel delays, emergency evacuation and medical expenses incurred including any requirement for dental surgeries due to an accident during the trip.

The patriot trip insurance coverage benefit helps you recover non-refundable payments and deposits or any un-utilized payments during the planned travel.

To be eligible for this travel health insurance policy which includes trip cancellation coverage benefits, the minimum cost incurred by the traveler for the trip should be $500, the destination should be at least 120 miles away from the point of start and the duration of travel should not exceed 30 consecutive days.

The trip cancellation benefits become effective from the midnight of receiving payment and the completed application form. Other coverage benefits of this travel medical insurance policy become valid right from the departure date of the insured.

The Patriot Trip – Travel insurance would end upon the date of return of the insured from the trip, or the planned return date in case of no interruption or cancellation, or end of coverage period as indicated in the policy or cancellation of the planned trip that is covered (whichever is earliest).

The Patriot Trip – Travel medical insurance plan offers full refund of charges if the travel insurance policy certificate is returned within 10 days of receipt and the insured has not departed for travel within these 10 days and no claims have been made so far under the purchased insurance plan.

The premiums rates of this travel insurance plan varies between every individual and the calculation is based on certain factors like total cost of trip, age of the individual and the other travelers accompanying the insured during the trip.

The pre-existing medical conditions are waived off for travelers who are less than 70 years old and have purchased this travel medical insurance plan within 14 days of paying the initial deposit to the travel agent. In addition, the insured individuals should be declared medically fit to travel on the date of applying for the Patriot Trip – Travel medical insurance plan.

Ray Sondeo often writes about travel insurance.

Travel Medical Insurance – Atlas International Policy

April 27th, 2018 Comments off

Falling sick while traveling to another country is a real concern for many travelers. To allay those fears, Atlas Travel Health Insurance offers short-term plans that are especially beneficial for those on holidays, business trips, and student exchange or similar programs.

With the Atlas international travel insurance plan, the plan holder receives medical benefits for inpatient and outpatient treatment. The plan includes ambulance charges and hospital coverage up to $100 per night at the hospital, and physical therapy. Coverage includes emergency dental treatment, and the cost of evacuation for emergency medical treatment. The hazardous sports coverage covers the cost of medical treatment if the insured gets injured when performing adventurous sports such as mountaineering.

Seniors often struggle with the terms of travel insurance because it excludes diseases previously detected. With the Atlas international travel insurance plan, those under 70 can still get such conditions covered in case of their acute recurrence. Also, if hospitalization results in an unattended child under 18, the plan covers the minor’s return home.

In keeping with the times, the plan also offers coverage for injuries resulting from acts of terrorism and natural disasters, and costs related to political evacuation. If an international trip is interrupted due to a catastrophic event that damages the home of the insured, the Atlas International insurance plan will cover his/her trip back home. In the unfortunate event of the death of the insured, the plan covers the cost of sending the remains home.

The plan not just covers travel, but also temporary trips home during the plan period, for up to a maximum of 15 days in 3 months. The Atlas insurance plan eases the transition on return by offering medical coverage for 30 days in the home country.

The travel health insurance plan also offers non-medical benefits such as lost baggage tracking and help with finding doctors and lawyers in case of need. The plan covers treatment (after the deductible) by U.S. doctors and hospitals that are part of the PPO network.

Applicants to the Atlas international travel insurance plan must be at least 14 days old. Plans can be for a minimum of 5 days and a maximum of 12 months, with options for extension. An Web-based client zone helps plan holders work with and perform tasks associated with the plan. Round-the-clock, round-the-world customer service is available through toll-free phone numbers.

Benefits of the Atlas international travel insurance plan range from $50,000 to 1,000,000. The premium varies with the age of the insured, maximum medical coverage and deductible. The addition of the sports rider will increase the premium.

Ray Sondeo often writes about travel insurance.

The Most Popular Annual Travel Insurance Plans

April 23rd, 2018 Comments off

Medical expenses in a foreign country can cost a lot and as such, any person who is planning a trip abroad is usually advised to purchase a Travel Medical Insurance which offers several benefits to a traveler when compared to just a domestic insurance which hardly includes any features for such trips.

Travel Medical Insurance usually covers several aspects like – emergency evacuation, accidental death or injury, trip cancellation, trip interruption, delayed departure, loss or theft of valuables, overseas funeral expenses, delayed baggage and legal assistance and medical expenses.

We can choose from the several travel insurance plans available, a plan that suits our requirements and covers all the necessary aspects.

For people who keep traveling abroad on a regular basis like businessmen, it is preferable to opt for an multi trip travel insurance instead of buying individual travel insurance plans for every individual trip.

The Annual Travel Insurance plan offers to cover our entire family for multiple trips abroad, with some limitations on the duration of each trip. It is also mandatory in most cases, to have a health insurance in one?s own country before applying for this insurance plan.

One of the most popular annual travel insurance plans is The Patriot Executive Plan. This plan offers comprehensive medical benefits. This plan can be purchased by any person who is below the age of 76. It offers coverage in all parts of the world except the insured?s country of citizenship for 1 year. All trips under the limit of 30 days are covered by this plan. The plan covers eligible sicknesses, injuries, accidental death and trip interruptions.

The Patriot Executive Plan is a good choice for people who want to access more features than what are provided in the regular travel insurance plans. This multi trip travel insurance plan covers a wide range of risks and can be taken by anyone below the age of 76. However, it does not offer coverage in the insured?s native country and also does not cover trips that extend for more than 90 days.

Apart from medical expenses and medical evacuation coverage the plan also offers coverage for hotel overbooking, collision damage protection for rental cars, credit card protection, trip cancellation and trip interruption. Annual travel health insurance plans are a great choice for frequent travelers offering them a peace of mind when they travel abroad.

Ray Sondeo often writes about travel insurance.

Importance of Comprehensive Health Insurance for Travel and its Coverage

November 24th, 2016 Comments off

We all have to travel, either for business or for pleasure. Whatever may be the purpose, we expose ourselves to a lot of risks while traveling. We all feel that we are quite healthy. However, accidents don?t come with warnings. Travel insurance can make a big difference simply by covering the various unforeseen expenses you incur during your travel.

It is always advisable that you keep yourself protected instead of crying later over spilt milk. Spending on your travel insurance online might seem like an added financial burden. But consider this fact that when you have secured your future against unexpected losses you will be able to enjoy your travel a lot better.

Did you know that a night spent in the hospital can cost you as much as $2500? Needless to mention, the heart surgery; which can cost you as much as $100,000. Don?t you think that travel medical insurance is the best way of covering yourself against these heavy unforeseen expenses?

Travel insurance provides you with cover for personal accident, ambulance cost, hospitalization, loss of baggage/passport, home burglary etc. Although, medical insurance for travelers provides the coverage during medical emergencies, it is always safe to have a policy that can provide maximum cover.

The amount allowed for medical coverage varies greatly amongst the travel insurance companies. Mostly young people are allowed to purchase policies of over 500,000. However, things change when it comes to the elderly people. Most of the travelers? medical insurance allows elder members to purchase policies ranging between $50,000 and $100,000. Most companies offer travel insurance comparison online for the elder members.

However, if you are going for fixed benefit travel insurance policies then it will not cover all your expenses. Limitations are there for every kind of expense. Suppose you meet with a personal accident then your policy of $100K might cover something around $20K. However, if it is a mere dental expense then your policy might cover you for only $500. The exact amount obviously varies from company to company. If you incur any accident related expenditure beyond this ceiling then you will have to bear that on your own.

Furthermore, there is a deductible levied for certain expenses. The deductible is an amount pre-determined between you and the travel insurance company; it is a fixed amount, decided at the time of purchasing the policy. This is the amount that you pay towards your medical expenses before the insurance company will start their coverage. Typically, the higher the deductible you pay, the lower is your premium.

Travel insurance covers losses other than medical expenses. The medical insurance for travel company will also provide you coverage against repatriation costs, loss of personal belongings, medical evacuation, etc. Isn?t it really a wise decision to secure yourself against such unforeseen financial expenses?

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Advantages To Buying Cars Online

September 8th, 2014 Comments off

Deciding to buy a car is a major decision, given that the purchase itself is such a major one. Buying a car online has many advantages. There are many car sites available such as http://www.buyyourcar.co.uk. Sites such as this one will give you many choices without having to go to a number of different dealerships, which can take a lot of time. But buying a car online can seem risky to some and there are often many questions associated with making this kind of purchase online.

The first thing many people want to know when buying a car online is how these websites work. Websites that sell and advertise cars online work as middlemen between the consumer and the dealership selling or advertising the car. Because they have market leverage, they can often negotiate a better price for the car than you could by yourself. The website will then advertise and sell you the car for less than you could obtain the car for direct; the car will be cheaper than buying directly from a dealer. These websites than either charge the dealer per sale or a set advertising cost, either way you can save loads of money.

Because there are so many online websites out there, it’s possible to buy a car from somewhere that is not in your local area. Sometimes, this may mean buying a car that is from the other side of the country. There are many companies that will be glad to deliver the car to you and sometimes this is a service that the online dealers will provide free of charge.

However, you can also search for cars within a certain area. This is another advantage to buying cars online. Doing this is not only easy but it is also very quick. The search will narrow down for you the type and model of cars that you are looking for and will let you know which ones are available in your area. This can quickly narrow down your search, taking the time and hassle out of buying your car.

Another advantage to buying your car online is you can often register at the online sites. Registering usually requires some very basic information and this allows for the company to not only find out what kind of car you are looking for but they will also often send you email updates when a new listing comes in on a car of your choice. This can help the consumer get a better deal faster.

There are numerous advantages to buying a car online. It saves the consumer from being pressured into high sales tactics while giving them more time to find exactly the car that they are looking for. Searching online for a car also gives one opportunity to look at cars from different areas, broadening their search and making sure that they really are getting the best deal available.

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