What is the Right Travel Insurance for a Cruise? #amigo #travel

#cruise travel insurance
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Insuring Your Cruise

Travel insurance is particularly important for cruisers, because cruising carries its own unique set of concerns that may not be shared by the average traveler. For example, because of the nature of cruising, the possibility of missing some leg of your trip — such as the ship’s departure from one of its ports — is somewhat higher than it is when you take a non-stop flight from Point A to Point B. Getting appropriate medical care in an emergency at sea is also a consideration that needs to be factored into making decisions about insuring a cruise. These, among many others, make a good case for at least investigating travel insurance when you plan to take a cruise.

However, it’s important to be cautious about where you get that insurance. Typically, it’s most advisable to buy travel insurance for your cruise from a third party source — not from the cruise line itself or from a booking site. These types of travel insurance policies tend to be fairly limited in their coverage, may not contain important benefits you need for your individual comfort and safety, and often are written in a way that is more likely to benefit the cruise line than it is to benefit you. When you decide on a trusted third-party source for your insurance, make sure to find out what type of coverage is available to you for the following concerns:

Medical Care

If you should unexpectedly fall ill or become injured while you’re on your cruise, you’ll need some sort of medical insurance coverage to offset the expense of the medical care you receive. Many cruisers don’t know that their home medical insurance provider may not cover any care they receive outside of their home country, or may cover only a portion of the costs. Those on Medicare should be particularly concerned with this type of benefit, as Medicare does not cover any kind of medical care outside of the United States.

Emergency Medical Evacuation

While rare, emergency medical evacuations are a very real possibility for cruisers. Whether the emergency is severe enough to require an air rescue from the ship, or whether it involves emergency transport from the nearest port of call to an on-shore medical facility, the costs can be prohibitive if not covered by insurance. Those who are particularly concerned about the possible quality of medical care in an unknown area of the world may want to consider looking into the optional Hospital of Choice benefit as well.

Baggage Loss or Baggage Delay

Between airlines, ships, and ports of call, there are plenty of opportunities for cruisers to misplace personal items — or for those personal items to be delayed or lost in transit, or worse, stolen during the course of the cruise. Making sure you have baggage loss coverage to help you recover the costs of replacing your lost items, or baggage delay coverage to help you get the necessities covered while you wait for your bags, can greatly decrease the stress of losing your belongings.

Identity Theft

Losing personal documents such as passports is certainly a possibility when on a cruise. Identity Theft protection is a unique service offered by some travel insurance companies, which can help guide you through the process of minimizing any possible damage to your credit or financial reputation, while also taking care of important communications and monitoring for you and helping you to replace your documents as quickly as possible.

Financial Default

One important benefit that third-party insurance policies offer is possible coverage for financial default. In other words, if your cruise line or another travel supplier related to your cruise goes bankrupt, financial default coverage would allow you to potentially recover the money paid to that travel supplier, as long as you weren’t able to make suitable alternate arrangements. However, financial default coverage is a time-sensitive benefit, so be sure to look into purchasing your travel insurance as soon after you make your first trip payment as possible.

Hurricanes and other Inclement Weather

Cruise ships are obviously especially vulnerable to the effects of hurricanes or other severe weather. While travel insurance will not offer you any coverage if your cruise goes off as scheduled, but misses a few ports of call or has to re-route entirely due to bad weather, it can cover you if the cruise is cancelled or cut short. There are also important travel insurance benefits available that are related to bad weather that occurs at your home, or which impacts any portion of your trip, including air travel.





15/11/2017

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Virgin Travel Insurance – Annual Trip Discount Codes, Offers – Deals

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Active Virgin Money Travel Insurance – Annual Trip discount codes vouchers for December 2015

Get Single Trip or Annual Multi-Trip Insurance, 40 Adventure Sports Covered as Standard, Plus Kids are Covered Free (3 under 18s per insured adult).

Give yourself peace of mind on your holiday and get covered with this insurance package that covers you for your travel for an entire year. (45 days for silver, 90 days for gold and black and 31 days for 66 years plus.)

More information about Virgin Money Travel Insurance – Annual Trip

Anyone who has ever traveled by airplane for business or pleasure knows just how difficult, tiring and downright aggravating it can be. You have to pack your bags, fight traffic to reach your local airport, deal with crowds and delays when you get there, submit to an occasional body search and then, finally, board the plane to fly to your destination.

It is a lot to do and, if you are like most people, you almost certainly forget to buy travel insurance, an important component to any trip that puts you airborne. Well, now, you need never have to worry about overlooking or forgetting this important step again.

That is because before you board an airplane you can now visit an online insurance agent well in advance of your trip to buy the protection you need and want. The online destination is called Virgin Money Travel Insurance which sells travel insurance.

This is no fly-by-night online service. Virgin Money Travel Insurance is part of Virgin and you can go online anytime to receive an immediate quote for the insurance you want to buy.

So, next time you are planning a trip, take the step that will make sure you travel with insurance protection. Visit Virgin Money Travel Insurance for an immediate quote.

Example Vouchers

Here are a few of the offers promoted by Virgin Money Travel Insurance – Annual Trip in the past:

  • Kids Covered Free when Travelling with Paying Adults (3 under 18s per insured adult)
  • Exclusive Virgin Benefits available

These offers may have now expired but if you want the very latest offers, deals and discounts please make sure you check the listings at the top of this page. This online company prides itself on treating customers fairly and in providing quality protection at the best possible prices. Instant quotes are always available online.

How to Redeem a Voucher Code

If you’ve found a voucher code and would like to use to save money on holiday extra and travel insurance at top providers – such as Virgin Money Travel Insurance – Annual Trip, simply follow these super simple steps:

Some offers don’t actually require a discount code – if you see promotions labelled ‘Offer’ or ‘Sale’ all you need to do is click the green button and the discount will be shown on the page or applied at the checkout

FAQs

Will I get proof of coverage that I can carry with me when I begin my trip?





15/11/2017

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Visitor Medical Insurance – Comparison of buying from US vs Indian

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Comparison of Visitors Medical Insurance Coverage from Companies in the U.S. vs India

You can purchase visitors medical insurance from companies based in your home country (such as India) or from companies in the U.S. Generally, the cost of medical insurance from an American company is higher, although it is still the preferred insurance to purchase. As demonstrated in the comparisons below, American insurance has many advantages.

The following table provides a detailed comparison of the various issues involving insurance products available from companies in the U.S. and India. Please keep in mind that this is a generic discussion. There may be exceptions to the offerings of products in both countries (and all the products from a given country do not work the same way). You should review all the details of any insurance plan you are considering before purchasing it (i.e. any brochures, policy wording, comparisons between plans and information from your representative).

Most of the information below regarding Indian companies was taken from the Web sites of various companies, as it existed as of writing this, and it may change in the future in case any of the companies revise their products. The information is also based on our personal experiences in dealing with these companies on a trial basis during previous visits to India, professional experience dealing with many customers on a daily basis, and from reading the discussion forums and experiences section on this Web site. The information is not targeted towards any specific company or product.





15/11/2017

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USA Travel Insurance tips #travel #advice

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Travel Insurance

Visiting the USA can be an exciting and rewarding experience, but it can become very unpleasant and challenging when sickness or injury occurs and medical services or medical evacuation is needed. Medical care is excellent in most parts of the US, but it can be very expensive and even astronomical for cases of critical illness. Many travelers purchase supplementary international medical insurance or travel insurance to avoid the staggering costs that might result from serious sickness or injury on their trip.

When you are planning your trip, it is a good idea to contact your primary healthcare provider or insurer in your home country to determine if you are covered and under what circumstances and to what extent while traveling abroad. You may be surprised to find that your health care provider offers little or no protection while traveling in the USA. If this is the case, it might be wise to purchase international travel insurance.

Types of Insurance

Many people are familiar with flight accident insurance. which pays you a large sum of money if you are killed or seriously injured in an air accident. This type of insurance policy normally does not cover any medical expenses resulting from illness or other types of accidents while traveling.

Travel agencies frequently offer travel protection plans or trip cancellation insurance. These usually cover the cost of travel expenses should you be forced to cancel your vacation due to accident, illness or certain other causes. They often cover travel assistance services, protection for lost or damaged baggage and limited medical coverage. There may or may not be a deductible or co-pay for covered medical expenses.

International Medical Insurance is short or long term insurance designed to reimburse you for medical expenses incurred while traveling or living in a foreign country. Maximum policy coverage is usually large enough to cover major medical expenses such as emergency surgery and extended hospital stays. “American Style” of international medical insurance coverage is usually subject to a specified deductible and co-insurance or co-pay. Plans may include emergency evacuation, reunion, and repatriation benefits as well as other travel assistance services. The plan coverage may be single trip, multi-trip or renewable.

Definition of terms

Maximum Policy Coverage. The maximum amount of money that the insurance provider will pay for covered expenses. It may be an overall maximum or an amount for each accident or illness.

Deductible. (also known as excess ) This is the amount of medical costs that you must pay before the insurance provider starts paying. It may be an annual amount, an amount for the duration of the policy or an amount for each incident. Example: a $50 deductible would mean that you must pay the first $50 of medical expense before the insurer begins to pay.

Co-Insurance or Co-Pay. This is the percentage or amount of medical expense that you must pay after the deductible is paid. Example: a co-insurance of 20% or an 80/20 co-pay means that the insurance company will pay 80% of the charges and you will pay 20% of the charges after you have paid the deductible.

Exclusions. These are medical expenses that the insurance company will not pay. These usually include expenses arising from the illegal use of drugs, medical conditions that existed prior to the purchase of the insurance, and medical costs arising from participation in dangerous activities or high-risk sports.

Emergency Medical Evacuation. covering the expenses for sending an injured or ill person home or transporting him/her to a place where appropriate medical care can be obtained.

Emergency Reunion. covers the expenses of bringing a family member to the injured or ill person during a medical emergency.

Repatriation Benefits. cover the cost of returning a deceased traveler’s body to the homeland.

Single Trip Plans. cover one trip.

Annual/Multi-Trip Plans. cover all trips taken within one year.

Individual Plans. cover one person.

Family Plans. cover all members of a family traveling together.

Travel Insurance Online

There are many websites that offer travel insurance online. Most sites offer only one type of coverage – either a travel protection plan or international medical insurance – or they offer coverage to citizens of a particular country. Only a few insurers offer a variety of plans for travelers from all countries.

USATourist.com has affiliated with Travel Insurance Center to bring you a wide selection of travel protection plans and International Medical Insurance. Look at their web pages and check their prices. You can purchase your travel insurance on-line from their web pages.

Squaremouth is another website where you can compare hundreds of travel insurance plans from top providers and buy immediately. Compare travel insurance or use their comprehensive research features. They also have insurance for visitors to the USA, immigrants, US visa workers, and foreign students who study inside the US. Click here to purchase travel insurance!

Written by: Mike Leco

Top Photo Credit: © Mike Leco / USATourist.com

Photo Description: Memphis, Tennessee

Have a question? Post it on the USATourist Facebook Page .





15/11/2017

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USA Travel Insurance #book #airline #tickets

#travel insurance usa
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USA travel insurance

A country as vast and diverse as the USA has something for everyone. Whether your American adventure takes you on a coast-to-coast road trip, on a fun family holiday to Disneyland or to the bright lights of Vegas – you won’t be disappointed. Therefore, the last thing you want to be worrying about is travel insurance.

Get a new travel insurance quote now

What is the minimum level of cover I should go for?

Thinking about what could potentially go wrong is not likely to be top of your list when planning your trip to America. Unfortunately some things are beyond your control, and if they do go wrong, you need to make sure you’re fully prepared.

Travel insurance will give you peace of mind that you are covered for eventualities such as illness, lost baggage and stolen items – but it’s essential that you check the amount of cover your policy entitles you to.

Don’t make the mistake of thinking that you’ll automatically be covered for every eventuality – often things like baggage have to be added on to policies. Whatever you do, don’t scrimp on cover. You may have to pay a bit extra to have the added peace of mind a more comprehensive policy offers, but paying a few additional pounds now could save you thousands in the long run.

When travelling to the States it is imperative you check the amount of medical cover you get .This is because healthcare in America is notoriously expensive, so you’ll need to make sure the amount of cover the insurer offers is high enough.

For example, if you were you to fracture your hip while on the other side of the Atlantic, you could expect it to set you back an extortionate 22,000. Therefore make sure when you are choosing your policy that this is a priority. MoneySupermarket recommends medical cover of at least 2million.

What type of policy is best for the USA?

There are different types of policy so you’ll need to decide which is going to be the most useful for you. A single trip USA policy is recommended if you’re only likely to be taking one or two holidays in the year. But if you’re planning on more than this then an annual multi-trip could be more economical. It’s also useful if you’re someone who is likely to take advantage of last minute deals. You’ll be covered for 12 months and can take an often unlimited number of trips a year. Bear in mind that annual travel insurance can be European only or worldwide so make sure you have the right one for you.

There is also the option of family insurance which takes the hassle out of having to sort out separate policies for each person – the last thing you’ll have time for when trying to organise everyone ahead of your holiday. Some companies offer a ‘kids go free’ option so this is definitely worth looking into.

Tips for travelling with kids

Going away on a family holiday takes more planning than if you are alone or in a couple, especially if you have young children to keep entertained during a lengthy flight. Here are some tips to keep them occupied:

  • Don’t pay extra for a priority boarding option. If you’re not flying with an airline where you have designated seats, most will allow parents with children to get on to the plane first so you can sit together anyway. However, make sure you double check with your airline before setting off.
  • Flight times to the USA can be long – especially to the West coast. Therefore make sure you have plenty for the kids to do. Magnetic board games, colouring books and handheld computer games should help hold their interest. Make sure you bring snacks to have on the way – not only can in-flight food be expensive; it can also be quite limited.
  • Make sure your children are drinking plenty of water throughout the flight to prevent dehydration.
  • Even if your kids have started walking, bringing a buggy on holiday can help as you may under-estimate the amount of walking you’ll do, especially if you are going to theme parks and attractions. It also means you have somewhere for them to rest or sleep in if you are having long days.
  • For older children, suggest they do a holiday scrapbook diary so they can write about what they are doing each day and collect souvenirs/leaflets/tickets to stick in. It means they’ve got an activity to concentrate on at the end of the day – and you get some peace!
  • When going for days out, make sure at the beginning of the day you decide on a meeting point if anyone gets lost. With all the excitement and crowds at children’s attractions it’s a good preventative measure to have in place.
  • Remember to always make sure you and your children wear sun-cream when going out for the day. Some children’s sun-creams have in-built insect protection which offers further protection from things that could potentially ruin a day out.

How is it to find a policy with MoneySupermarket?

Finding a great deal on your USA travel insurance is easy with our comparison tool, just a couple easy steps and a few facts about your trip – such as the dates you will be travelling, where to and how many of you are travelling – and you’ll soon be receiving a variety of quotes from many UK insurers.

Click here to start comparing travel insurance for the USA





15/11/2017

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Travel Trailer Insurance #akbar #travels

#insurance travel
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Reality

Travel Trailer insurance coverage

Whether you’re just starting out with a brief trip, or a veteran full-timer taking all the amenities of home with you, you still want to know that you have comprehensive Travel Trailer insurance coverage in case something happens.

Our policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies. A Farmers travel trailer insurance policy can give you the coverage you want at a price that fits your budget.

Coverage included with your policy

Here are some of the travel trailer coverages we offer that aren’t included in a typical auto policy:

  • Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
  • Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

Optional coverage

Farmers offers optional coverage that lets you customize your policy. These are a few popular options:

  • Total Loss Replacement Coverage protects your travel trailer from the effects of depreciation. If your new-model travel trailer is destroyed within its first five model years, we’ll pay to replace it with a brand new one of similar kind and quality – no matter what it costs.
  • Emergency Expenses Coverage pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
  • Campsite/Vacation Liability Coverage when you are parked and using your travel trailer as a residence.
  • Replacement Cost Coverage on destroyed or stolen personal belongings.
  • TraveLineВ® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What’s more, your travel trailer – and your tow vehicle – are covered, regardless of who is driving!
  • Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are on the road, a Farmers Full-Timer policy covers you when you are parked and using your rig as a residence, too.
  • Stationary Travel Trailer Program gives you extensive comprehensive and contents coverage if you use your travel trailer as a seasonal or permanent residence. This includes liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowners policies may not extend coverage to you.

Discounts

Policy discounts vary by state and chances are one or more will apply to your policy. Contact a Farmers agent today for a Travel Trailer insurance quote and to see what specific discounts are available in your area.





14/11/2017

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Travel Medical Insurance Plans & Quotes #travel #now

#travel insurence
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Don’t forget to pack the right travel medical coverage

Per-Trip Plan 1

Ideal for occasional travellers!

  • You won’t have to deal with out of pocket costs – we’ll take care of upfront payments of eligible medical emergency expenses 2
  • For trips 212 days or less 3
  • Comprehensive medical emergency coverage up to $2 million

Annual Plan 1

55+ Extended Stay Plan 1

TD Travel Medical Insurance — plan ahead with the right coverage

How can we help?

8:00 a.m.-9:00 p.m. EST

TD Travel Medical Insurance is underwritten by TD Life Insurance Company. TD Trip Cancellation and Trip Interruption Insurance is underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Medical and claim assistance, claim payment and administration services under the Policy are provided by our Administrator.

1. Coverage may be subject to exclusions and limitations. Refer to your Certificate of Insurance for full details of coverage.

2. Eligible medical emergency expenses are defined in your Certificate of Insurance. Payment of eligible medical emergency expenses is subject to our Administrator’s approval.

3. Up to 212 days but not longer than the maximum number of days allowed under your Government Health Insurance Plan (GHIP) for travel outside of Canada.

4. Answering a health-related questionnaire is required to determine eligibility for this product. Depending on your eligibility, all pre-existing conditions will be covered.





13/11/2017

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Travel Medical Insurance – Travel Insurance Services #travel #companies

#medical travel insurance
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Flexible Travel Medical Insurance for Travel or Living Abroad

About WorldMed Travel Health Insurance

The WorldMed Travel Health Insurance plan is designed for individuals traveling outside their home country for an extended period of time and need worldwide travel insurance. This plan offers medical expense and emergency medical evacuation coverage while away from home in a foreign country.

WorldMed is the perfect solution for covering medical emergencies, evacuations, repatriations and more international health insurance coverage that your current group health policy may not provide. This plan offers excellent travel medical insurance coverage for business and leisure travelers, expatriates, work study programs, tourists, and church or missionary travelers.

Learn More About WorldMed Travel Health Insurance

Quickly compare your options, benefits and cost:

Services Provided By:

Insurance is underwritten by HCC Medical Insurance Services, LLC (HCCMIS), a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd s underwriting members of Lloyd s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.

The policy is designed and marketed by Travel Insurance Services, Columbus, OH, a provider of travel/health insurance since 1973.

WorldMed Insurance is also available through certain insurance agents and brokers throughout the U.S.

This insurance coverage, offered by HCC Medical Insurance Services, does not meet the minimum standards required by the health care reform law. The policy above contains the plan benefits, including a lifetime maximum. Please review your choices prior to purchasing to ensure that you have sufficient coverage to meet your medical needs.





13/11/2017

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Travel insurance #airplane #flights

#cheap travel insurance
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Travel insurance

Looking for a great deal on travel insurance. Here s our essential 11-point checklist to help you get the right cover at the right price.

1. Have you read our travel insurance guide . It s a great starting point if you re looking for travel insurance.

2. Do you need worldwide or European cover?

4. How much cover will the policy give you for your baggage, valuables and cash? Is it enough?

5. Will the policy give you compensation if your holiday is cancelled or cut short?

6. Have you declared any pre-existing medical conditions? (If you don’t declare any illnesses your claim could be rejected.)

7. Is the policy open to people of your age? If you re over 65, you may need to use a specialist travel insurer.

8. Is there anything that the policy doesn t cover? (Are there any exclusions?)

9. What’s the excess? (The excess is a set amount that you’ll have to pay if you make a claim. A higher excess will mean a cheaper policy.)

10. Does it cover you for all the activities you might want to do, like skiing, rafting or diving?

11. Have you shopped around? Don t just take the first quote you see use a price comparison site to make sure you re getting a competitive price.





13/11/2017

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Travel Major Medical Insurance Plans #hayes #travel

#major travel
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Travel Major Medical Plans

These plans are designed for travelers who are going abroad for at least 6 months and require more permanent insurance. These plans provide comprehensive medical protection including emergency medical treatment, wellness care and optional prescription drug coverage. Like most major medical Plans, these plans contain both in and out of network coverage, deductibles and co-payments and have the added travel benefits of accidental death and emergency medical evacuation protection.

Travel Major Medical insurance is offered by the following providers:

  1. HTH Worldwide Global Citizen Health Plans Check Availability Check Availability
    • International Medical Group Global Medical Insurance Check Availability
    • GeoBlue Xplorer Health Plans Check Availability Check Availability
    • GeoBlue Navigator Health Plan Check Availability Check Availability
  2. View the brochures for the plans available to you and select the plan the best fits your needs:
    1. HTH Worldwide Global Citizen Health Plans View Brochure
    2. International Medical Group Global Medical Insurance View Brochure
    3. GeoBlue Xplorer Health Plans View Brochure
    4. GeoBlue Navigator Health Plan View Brochure
  3. Print and complete the application





    13/11/2017

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Travel Insurance #cheap #tickets #and #hotel

#essential travel insurance
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Travel Insurance

It is a condition of booking with Explore that you have adequate valid travel insurance. It is your responsibility to arrange appropriate travel insurance and ensure you have read and understood the full terms and conditions of your travel insurance policy to ensure that you are covered for all activities you intend to undertake whilst on the tour, including all optional activities. Your Insurance Policy must fully cover you for medical expenses and emergency repatriation to your home country. Please ensure your policy includes medical emergency helicopter evacuation in the event of illness or injury and covers the entire duration of your holiday. If you are trekking at altitude please ensure that there is no upper altitude limit which may limit or exclude cover for your trip. Medical and repatriation insurance cover is not mandatory for UK residents who are travelling on trips within the United Kingdom.

Information regarding FREE travel insurance for all qualifying customers who booked an Explore holiday between 01 January 2015 and 31 August 2015.

Explore Free Travel insurance 2015 FAQs

How do I know if I am eligible to receive free travel insurance?

  • You must be under 70 years of age at time of booking with Explore.
  • You must be a resident of the UK or Ireland and have a permanent UK/Irish address from which your booking is made.
  • Your Explore holiday must have been confirmed by us between 01 January 2015 and 31 August 2015

Valid for all Explore holidays: Discovery Tours, Cycling, Walking and Trekking Adventures, Family Adventures, Tailormade, Self-Guided, Private Journeys and Polar Voyages. This offer does not apply to the Tours for Churches programme.

I have checked eligibility and I qualify for Explore’s free Travel insurance, what do I do next and what insurance documentation will I get?

If I am over 70 years old, how do I arrange travel insurance?

Please contact Campbell Irvine, tel: 0207938 1734 who may be able to assist you in purchasing appropriate cover for persons of any age.

If I have a pre-existing medical condition, can I receive the free travel insurance?

Please contact the Medical Screening Helpline tel: 01702 427 237 and quote reference CIAM15EXPL. The Medical Screening Helpline will be able to tell you if additional cover can be offered to include your disclosed medical condition(s) and if so whether a supplementary premium applies. Your failure to contact the Medical Screening Helpline and pay the quoted supplementary premium will mean any known medical conditions will be excluded from cover.

Please note that it is a condition of booking with Explore that any pre-existing medical conditions which you have must be fully covered before you travel with us.

If I do not qualify for Explore’s included travel insurance what should I do?

Travel insurance is mandatory for everyone travelling on an Explore tour. You will need to confirm to your Tour Leader that you are adequately covered by a travel insurance policy at the start of the tour.

Non qualifying customers must arrange their own insurance cover at their own expense. Please ensure the following:

  • Your insurance documentation must state that you are the named policyholder
  • Cover must be valid for the entire duration of your travels
  • You must be covered for Medical Expenses and Medical Emergency Repatriation in the event of illness or injury (including the deterioration of known medical conditions)
  • Your policy must cover you fully for all activities you’re planning on taking part in on your holiday (such as water-sports or trekking at altitude).
  • Your insurance documentation must indicate a 24-hour contact telephone number for your Insurance Company in case of an emergency.

If you are unable to confirm this information at the start of your tour, you will not be able to continue your trip with us.

What does the Explore Free of Charge insurance policy cover me for?

You are covered for cancellation or curtailment of your holiday up to £5,000 per person. Cancellation cover becomes active from the date your Explore holiday is confirmed by us. All other sections of cover including emergency medical and repatriation apply for the duration of your Explore holiday as stated on your Explore holiday documentation. Please read the policy document carefully. It is your responsibility to ensure the policy meets your personal requirements. If the Explore policy is not suitable for your needs, you must arrange alternative travel insurance at your own expense.

What if the value of my holiday is greater than £5,000 per person?

Please contact Campbell Irvine, tel: 0207938 1734 to arrange supplementary top up insurance to cover the entire value of your holiday. Please note, this will require you to pay them a supplementary premium directly. Alternatively, you can arrange insure your entire holiday elsewhere.

What if I have extended my Explore holiday to include independent travel before/after the Explore holiday?

Please contact Campbell Irvine, tel: 0207938 1734 to arrange supplementary top up insurance to cover your extended stay. Please note, this will require you to pay Campbell Irvine a supplementary premium directly. Alternatively, you can arrange insure your entire trip elsewhere.

Does the Free Explore policy cover me for all activities?

Any activity booked through or organised by Explore as part of your Explore tour will be automatically covered. If you intend to undertake any hazardous or adventurous activities that have not been pre-booked through or organised by Explore you must contact Campbell Irvine, tel: 0207938 1734 to arrange supplementary top up insurance to cover the activity. Please note, this will require you to pay them a supplementary premium directly. Alternatively, you can arrange insure your entire holiday elsewhere.

Is Winter Sports cover provided as part of the free of charge insurance policy?

Yes. Cover will automatically extend to include winter sports activities when booked and arranged by Explore as part of the pre-booked trip itinerary. Any winter sports activities booked independently of Explore would be excluded from cover unless referred to Campbell Irvine and supplementary cover purchased.

I already have adequate travel insurance elsewhere – can I receive a rebate for not taking the Explore included policy?

No. This is a specially arranged group policy which is non-refundable to individuals.

I already purchased travel insurance from Explore for this holiday – can I receive a refund for the premium I have paid?

You can only receive a refund of the premium you have already paid us for your Explore travel insurance if you are within the 14-day cooling off period and you are yet to travel and have not made a claim. Our Included travel insurance is a specially arranged group policy is for qualifying customers only who have booked between 01 January 2015 and 31 August 2015 is non-refundable to individuals.

I booked prior to January 2015 – can I have free insurance? How do I get insurance if not.

To qualify for our free Travel insurance offer your Explore holiday must be confirmed by us between 01 January 2015 and 31 August 2015. If not, you must arrange your own insurance cover at your own expense. You can contact Campbell Irvine, tel: 0207938 1734 to arrange insurance to cover your holiday. Please note, this will require you to pay them a premium directly. Alternatively, you can arrange to insure your holiday elsewhere.

I would prefer to have an Annual Multi Trip insurance policy – can I purchase this from Explore?

Please contact Campbell Irvine, tel: 0207938 1734 to obtain a quote.

Are Explore Regulated by the FCA?

Explore Worldwide Ltd are an Introducer Appointed Representative of Campbell Irvine Limited who are authorised and regulated by the Financial Conduct Authority. Their registration numbers can be checked by visiting the FCA’s website www.fca.org.uk or by contacting them on 0800 111 6768.





13/11/2017

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Travel Insurance #last #minute #travel

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Travel Insurance

However long your trip, don’t spend a lifetime paying for it.

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A medical emergency abroad can do you serious damage. Especially at home.

As a physician, you know the value of having the right protection when travelling – from anti-viral shots to stomach medication to sunscreen. But it’s just as critical to protect your finances, especially considering the staggering costs of a medical emergency outside your home province or your home country – expenses that can come home to haunt you for years to come.

That’s why travel insurance made available through OMA makes a world of sense for both you and your loved ones. After all, travel is meant to enhance your lifestyle, not drain the funds you rely on to maintain it.

Your travel essentials should include peace of mind.

Travel with the ease of knowing you’ll be covered. OMA members enjoy preferred pricing 1 and convenient access to a wide range of flexible solutions with a variety of features from OMA Travel Insurance

    Worldwide family coverage is in effect for the first 4, 9, 16, or 30 consecutive days of each trip, for an unlimited number of trips, for one entire year
  • Top up coverage is available should you decide to travel longer
  • Up to $5 million coverage in emergency medical benefits 2
  • No age limit for coverage
  • $0 deductible, so all eligible expenses of a claim are covered from the first dollar
  • 24/7, toll-free, multilingual assistance around the world
  • Access to Doctor-On-Call™ services

​Emergency Medical Benefits 2 ​





13/11/2017

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Travel Insurance #best #price #car #rental

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LOADS OF MONEY!

CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple travel insurance quotes, saving both time and money. Our travel insurance comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site.

CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation.

Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the travel insurance providers and ALL policy details should be verified with the insurance provider before you purchase.

This site links users to the website of the travel insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

We do not issue insurance. Users purchase directly from the travel insurance provider.

CoverDirect NZ takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the travel insurance providers who participate on this site and should be verified with the insurance provider before you purchase.

This site links users to the website of the travel insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

Switch to our full website for all contents and features.





13/11/2017

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Travel Insurance #dynasty #travel

#annual travel insurance comparison
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LOADS OF MONEY!

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.

Comparetravelinsurance.com.au is Australia’s leading comparison site solely focussed on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of the cover for a user.

Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, 1st for Women, American Express, Budget Direct, Citibank, Columbus Direct, DUinsure, Fastcover, Insure and Go, iTrek, Kango Cover, Online Travel Insurance, OnTour, Priceline Protects, Simply Travel Insurance, Ski Insurance, Southern Cross, Under 30, Virgin Money and Worldcare. The directors and shareholders are common with these companies i-Trek Pty Ltd, Kango Cover Pty Ltd, Under30 Pty Ltd and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance.

CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the them before you purchase.

This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

For further information view our FSG and Terms of Use

Switch to our full website for all contents and features.





13/11/2017

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Travel Insurance Quotes Canada #travel #to #mexico

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Snowbird Medical Insurance

2011 Seniors Medical Insurance

October 4, 2011 – Canadian seniors planning to travel south this winter are encountering numerous challenges. The Canadian dollar has plummeted 10% recently which makes traveling to the USA more expensive this year. The global economy continues to cause financial uncertainty. Unrest on the USA/Mexican border is making the border regions unsafe. We feel this is a good opportunity to revisit some good ways to ensure our senior travellers have adequate medical insurance coverage for this travel season.

Will I be covered for my pre-existing medical condition? This is the most asked question from our traveling senior customers. Seniors should carefully understand how pre-existing condition exclusion clauses work and how they apply to their in their travel insurance plan. . read more

Already covered by a multi-trip annual plan but planning a trip longer than the maximum number of coverage days allowed? Then you can use our quote system to get rates on top-up coverage that will cover the days that your multi-trip plan will not cover. . read more

In most cases, purchasing single trip coverage is the least expensive option but not always! If you are a Canadian snowbird who takes several more shorter trips through the remainder of the year it may be more economical to combine (or blend) a multi-trip plan plus extra top-up days to cover your long snowbird trip. Then once you return your annual plan will continue to cover you through the remainder of the year. . read more

In most cases, our powerful travel medical insurance quote system will find coverage for senior customers with pre-existing medical conditions. If you do no qualify for one of the plans available from our quote system then you may still be able to obtain coverage by completing a medical underwriting application. On request we can supply you the necessary applications. . read more

What happens if you decide to stay longer then expected? If you have not had a claim then most companies will extend your trip. Although some companies may not extend beyond a maximum trip length (normally 6 months). If you are delayed due to weather or transportation delays most medical insurance policies have an automatic grace period from 42-72 hours. Please check the policy booklets for more details.

If you purchase medical travel insurance and your trip gets cancelled prior to departure then you can apply for a refund of the premiums paid. There may be a nominal administrative fee applied to refunds. Please check you policy booklet for details.





13/11/2017

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Travel Insurance #traveling #nurse #jobs

#annual travel insurance comparison
#

LOADS OF MONEY!

CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple travel insurance quotes, saving both time and money. Our travel insurance comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site.

CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation.

Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the travel insurance providers and ALL policy details should be verified with the insurance provider before you purchase.

This site links users to the website of the travel insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

We do not issue insurance. Users purchase directly from the travel insurance provider.

CoverDirect NZ takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the travel insurance providers who participate on this site and should be verified with the insurance provider before you purchase.

This site links users to the website of the travel insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

Switch to our full website for all contents and features.





13/11/2017

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Travel Insurance Over 65 – Senior Travel Insurance – Club Direct

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Over 65’s Travel Insurance

It is not always easy finding travel insurance if you are over 65 as many companies will not cover you. At Club Direct we are proud to offer customers Single Trip Travel Insurance online up to the age of 79 with no compromise to cover; regardless of your age we will offer you the same benefits as for those under 65.

Customers who would like to purchase an Annual Multi Trip policy from Club Direct, have the choice of two different policies to suit your needs, the Silver Annual and the Gold Annual . both of which we are able to offer to customers up to the age of 74. All our policies allow European and Worldwide cover; see below for more benefits to help you choose a Club Direct Travel Insurance policy.

    Cover for many Pre-existing Medical Conditions* Up to 2,000 Baggage cover, up to 4,000 cancellation and up to 25,000 personal accident cover Single Trip cover for those up to 79 years old Annual Multi Trip cover for those up to 74 years old An array of sports and activities covered as standard Winter sports option available

Click here to see a summary of our single trip cover.

Click here to see a summary of our annual multi trip .

Sports activities

Continuing to stay active and leading a healthy lifestyle is a good way of staying fit and well. Going on holiday should not stop you being active and therefore at Club Direct we cover many sports and activities as standard and also offer top-up cover for a wide range of additional activities. Further information and details of those covered are available when you request a quote.

Our online Medical Screening system is quick and easy to use allowing us to generate a tailor made quote which can include many pre-existing medical conditions. Please click here for a quote. Or if you’d prefer you can call our Sales team on 0800 083 2455, who will take you through the quote and medical screening process.

Online quotes for customers up to 79 years old





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Travel Insurance #india #travel

#cheapest travel insurance
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Latest Travel Insurance News View all news

Travel Insurance – November 27th

Live last minute – getting travel insurance in a hurry

Lastminute.com.au is one of the Australian answers for spontaneous travellers, crisis travellers, and those who always leave arranging travel plans to the last minute. They advertise that they offer the lowest price on over 400,000 …

How do I know if I will get seasick on a cruise?

Heading overseas for schoolies?

Helpful Information

What is travel insurance?

Travel insurance is insurance cover for emergencies or accidents that might happen to you or your belongings while you are on a holiday away from home. Travel insurance will cover you for different things depending on whether you are taking a trip within Australia or overseas (see types of travel insurance).

Why do you need travel insurance?

A study by Expedia shows that a massive 83% of young Aussies aged 18-24 plan to take an international holiday in next 12 months. Travelling overseas has become more affordable, with Expedia?s data showing international air ticket prices have declined by 20% over the last three years, driven by increased competition among low-cost airlines. But could you afford it if something went wrong while you were in another country?

The Australian government?s Smart Traveller website recommends travel insurance for anyone taking a trip away from home, especially to overseas destinations. If you don?t have travel insurance and you lose your luggage or have an unexpected accident, medical emergency, or legal incident, you and your family will have to pay for all the costs on your own.

Things like changing flight plans can be expensive, but hospital bills are even worse. There?s no Medicare overseas, so a medical emergency can cost you thousands or even hundreds of thousands of dollars – and chances are you have not brought that much money with you on your trip.

If you have travel insurance, on the other hand, you can travel confidently knowing you can get financial help in an emergency.

What else should you do before you travel?

For overseas travellers, you should also check the Smart Traveller Travel Advice page to see what the risk of travelling to your chosen countries is. If a country is flagged as “do not travel” be aware that you may not be able to obtain insurance for the trip.

Next, you should register your travel plans with the Department of Foreign Affairs and Trade so that someone knows where you?ve gone and how to reach you in an emergency.

Also make sure you have a copy of all your documentation with you – and that you leave a copy of all your documentation with someone back home.

Also keep on hand the contact details of the Australian Embassy in your country of destination – just in case you need it.





13/11/2017

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Travel Insurance Quotes Canada #travel #asia

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Snowbird Medical Insurance

2011 Seniors Medical Insurance

October 4, 2011 – Canadian seniors planning to travel south this winter are encountering numerous challenges. The Canadian dollar has plummeted 10% recently which makes traveling to the USA more expensive this year. The global economy continues to cause financial uncertainty. Unrest on the USA/Mexican border is making the border regions unsafe. We feel this is a good opportunity to revisit some good ways to ensure our senior travellers have adequate medical insurance coverage for this travel season.

Will I be covered for my pre-existing medical condition? This is the most asked question from our traveling senior customers. Seniors should carefully understand how pre-existing condition exclusion clauses work and how they apply to their in their travel insurance plan. . read more

Already covered by a multi-trip annual plan but planning a trip longer than the maximum number of coverage days allowed? Then you can use our quote system to get rates on top-up coverage that will cover the days that your multi-trip plan will not cover. . read more

In most cases, purchasing single trip coverage is the least expensive option but not always! If you are a Canadian snowbird who takes several more shorter trips through the remainder of the year it may be more economical to combine (or blend) a multi-trip plan plus extra top-up days to cover your long snowbird trip. Then once you return your annual plan will continue to cover you through the remainder of the year. . read more

In most cases, our powerful travel medical insurance quote system will find coverage for senior customers with pre-existing medical conditions. If you do no qualify for one of the plans available from our quote system then you may still be able to obtain coverage by completing a medical underwriting application. On request we can supply you the necessary applications. . read more

What happens if you decide to stay longer then expected? If you have not had a claim then most companies will extend your trip. Although some companies may not extend beyond a maximum trip length (normally 6 months). If you are delayed due to weather or transportation delays most medical insurance policies have an automatic grace period from 42-72 hours. Please check the policy booklets for more details.

If you purchase medical travel insurance and your trip gets cancelled prior to departure then you can apply for a refund of the premiums paid. There may be a nominal administrative fee applied to refunds. Please check you policy booklet for details.





13/11/2017

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Travel insurance comparison sites – Travel insurance Quotes #travel #insureance

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Traveling to another Country. Research providers of travel insurance in the sea of choice. Many Credit cards now days offer great travel insurance which is included in their yearly fee. If you travel frequently this is a great way to save on insurance rather that having to buy separately on every trip you go on.

1. Compare Travel Insurance – Review Cheap Travel Insurance.

Compare travel insurance makes it easy to find the best deals around. Our travel insurance comparison will save you time, worry, and loads of money.

(http://www.comparetravelinsurance.com.au/)

2. Travel Insurance | Compare Cheap Holiday Insurance.

Compare travel insurance quotes from just ВЈ3.50 with MoneySupermarket, Britain’s no1 comparison site. Search over 450 policies and buy your cover online.

(http://www.moneysupermarket.com/travel-insurance/)

3. Buying a used or new car -car loans and other ways to pay

Some finance companies offer loans or finance that are leasing agreements in disguise. The contract includes other costs in the loan repayment, like servicing, registration and insurance. Compare the repayment amounts wi.





13/11/2017

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Travel insurance with medical conditions #search #airline #tickets

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Buy travel insurance and get 2 for 1 cinema tickets

Every Tuesday and Wednesday for a whole year with MEERKAT MOVIES

Comparing pre-existing medical condition travel insurance

If you have a medical condition, you may have found that it pushes up the price of your travel insurance or that it’s difficult to find the cover you need.

The reason is that some health issues make it more likely that you might need medical assistance on holiday. While in the UK we’re lucky to benefit from free medical care, overseas we would usually be charged, and the price of even pretty standard procedures can run into thousands of pounds.

That’s why insurers may not cover you or charge higher premiums if they do, to help cover the cost of these expensive claims.

But that doesn’t mean you shouldn’t shop around for cover. compare themarket .com can help you quickly compare prices across different providers, so that you can see if you could save money on your travel insurance with a medical condition.

What does travel insurance cover?

Holiday insurance not only covers you for cost of medical treatment abroad, it could also pay for you to get home in an emergency. Often you’re covered for a friend or relative staying with you during treatment, or flying out to support you if needed.

Travel policies also cover you if you lose your luggage or other possessions, or if they get stolen. Often you can get your money back if the trip has to be cancelled or cut short for some reason too.

Always declare your medical condition

When you compare and buy travel insurance, you’ll be asked about any health issues. It’s important that you do list any medical conditions and give insurers all the information they need because, if not, you might be charged more by your insurer or not be covered. If your insurer discovers that the medical emergency on your trip was linked to a condition you already had, they could refuse to pay your bills or add a cost.

So while it might be tempting not to mention things like high blood pressure or diabetes in your quote, you might be risking thousands of pounds. To get you a list of quotes, we’ll ask you a few questions about your health and get you to add in the names of any medical conditions. Not all of them will affect your premium.

Something to think about is whether you should buy an annual policy or single trip travel insurance. Often, if you take more than one holiday in a year, it is cheaper to buy annual travel insurance. But the best way to find out what would work best for you is to run a travel insurance comparison.

Where are you going?

When you compare travel insurance you first need to decide if your policy needs to cover you just for the UK, or for Europe, or the USA, Canada and Caribbean. If you’re going to the USA, Canada or Caribbean, or anywhere further beyond you’ll need additional cover. So if you will be going somewhere exotic, you should check that destination is covered.

By the way, your travel insurance won’t cover you if you are travelling to a country that the Foreign Commonwealth Office (FCO) doesn’t consider to be safe. If you’re not sure, check the FCO website.

Some people think that they don’t need travel insurance if they have a European Health Insurance Card (EHIC). While travelling within many European countries, the EHIC means you can get treatment at the same rate as people who live in that country. However, it will be on the basis you get taken to a public not private hospital. In the event of an emergency you will be taken to the nearest hospital. Also some policies will waive your excess if you have one.

But the EHIC isn’t a substitute for travel cover. It wouldn’t pay for getting you home or other costs linked to your medical emergency. They are also date-specific, so check the expiry on your card before you travel. Be aware too, that not all European countries recognise the EHIC.

Of course there’s no EHIC outside the EU, so in other countries it might be more expensive again to get medical support.

What will you be doing?

If you’re going skiing or snowboarding, or taking a cruise, or your trip is for business, not all travel insurance with medical condition policies will cover you. With winter sports you have a greater risk of injury, while on a cruise you might need specific cover like confinement to your cabin, or an emergency airlift to hospital. If you’re travelling on business not every policy will cover you.

Compare and save!

Next you’ll get a page full of travel insurance quotes. These are listed in price order with the cheapest travel insurance at the top.

You can also see all the main details of each policy – how well it’s rated by Defaqto, the amounts of medical, baggage and cancellation cover and how much excess you would pay if you did make a claim. You can filter your results to only show those over a certain limit, if you like.

To find out more about what is and isn’t included in the policies, click each one for more details.

Once you have found a travel insurance quote that suits you, click the button to go through and buy. But do make sure you read all the details. We hope you never need to claim, but you should make sure you have the right cover, just in case.

Don’t forget, if you buy your travel insurance policy through us, you will benefit from the fabulous Meerkat Movies! You can get 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week for a whole year*. A great reason to choose us for your holiday insurance.





13/11/2017

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Travel Insurance to USA: Travelers – Visitors to America Compare Shop

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Buy Travel Insurance to USA

Why US Travel Insurance?

» Prevent financial strain paying for medical bills.

» Cover unexpected medical expenses due to sudden accidents, illness, or tragedy while staying overseas.

Plans By

Benefits of travel health insurance in USA

Visitors to USA and non US residents visiting USA are advised to be covered by travel insurance to prevent large bills related to the treatment of unexpected illnesses and injuries. The benefits would include the following:

  • Hospital, Clinical, and Doctor s fees
  • Dental Fees
  • Costs of Prescription Drugs
  • Emergency Medical Need/Ambulance Services
  • Repatriation of Mortal Remains
  • Accidental Death and Dismemberment

These insurance plans for USA travelers and non-US residents visiting USA can be bought prior to or after the start of travel. They can be bought for a period of time anywhere between five days to three years. Most of our plans for US coverage feature direct payments to certain hospitals and doctors. Many allow you to choose deductibles ranging from $0 to $2500.

Companies offering US travel Insurance

Our plans for US travelers going overseas, and non-US residents visiting America are underwritten by some of the best insurance carriers which have high A.M. ratings; such companies include AIG, Nationwide, and Lloyds. A.M. ratings are provided by A.M. Best, an independent company.

With claims being settled in USA itself, non-US residents and citizens visiting USA have much to benefit by being covered by travel insurance in USA. Our claims and customer support teams also have noteworthy experience servicing visitors.





13/11/2017

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Travel Insurance Select Overview #first #class #travel

#travel insurance cancel for any reason
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Travel Insurance Select

Trip Cancellation Coverage

ARE YOU PUTTING THE TRIP OF A LIFETIME AT RISK?

You’ve dreamed of this trip for months or years – maybe even a lifetime – but life can be extremely unpredictable. Anything from terrible weather or a family emergency can ruin all your careful planning and bring your trip to an end before it even begins. And what happens if you fall ill while you’re away form home – will you have the medical coverage you need? Will you lose the money you invested if your trip gets cut short? With Travel Insurance Select on your side, you can worry a lot less.

In fact, Travel Insurance Services has been helping people just like you protect their travel plans for over 30 years. With one of our travel insurance plans you can focus on what really matters – making sure your trip is everything you dreamed of – while we help protect your investment.

Best of all, Travel Insurance Select offers three difference levels of coverage so you can choose the righ plan for your unique needs and budget. Additional Travel Insurance Select benefits include:

  • Protection for trip cancellation – regain up to 100% of the money you invested in your trip.
  • Protection for trip interruption – Recover up to 150% of your costs depending on the coverage you choose.
  • 24-hour access to emergency assistance services – so no matter where you are, you have help when you need it.

Don’t let all the time you’ve spent saving and planning go to waste – get your complimentary, no-obligation quote and purchase your Travel Insurance Select coverage today. Because you deserve to travel knowing the trip of your dreams is well protected.





13/11/2017

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Travel Insurance in the US Market Research #pavlus #travel

#travel market
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Travel Insurance in the US: Market Research Report

Market Research • Market Size • Industry Statistics • Industry Analysis • Industry Trends

Travel Insurance Market Research Report | Advisory & Financial Services | Specialist Insurance Lines | Mar 2015

Taking off: Travel insurance revenue will rise as operators expand to niche markets

Industry Analysis & Industry Trends

Travel insurers faced steep revenue declines during the recession. Declining consumer disposable income meant fewer people were traveling and purchasing travel insurance. However, the industry returned to growth in 2010 as consumers became more sensitive to the potential losses associated with airline delays and cancellations, prompting them to buy travel insurance. The industry is expected to continue growing over the next five years and expand into niche markets catering to students and business travelers. purchase to read more

The Travel Insurance industry is in the mature stage of its life cycle, illustrated by continuous consolidation and widespread market acceptance of travel insurance. Industry value added (IVA), or contribution to the overall economy, is forecast to rise at an annualized rate of 1.2% over the 10 years to 2020. Similarly, US GDP is projected to grow at an average annual rate of 2.5% over the same period. This indicates that the industry is expanding roughly in line with the economy.

The number of industry operators is forecast to fall at an annualized rate of 1.6% over the five years to 2015. This follows a decade of consolidation, in which enterprise numbers declined even during years of revenue growth. purchase to read more

What is the Travel Insurance Industry?





13/11/2017

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Travel Insurance in Singapore – ACE Insurance #travel #money #card

#ntuc travel insurance
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ACE Travel Insurance

Whether you are on a family adventure, a quick getaway across the border, or an extended journey across the globe, make travel insurance part of your travel plans. A perfect trip can be ruined by travel inconveniences such as loss of personal belongings, flight delays, or if someone falls ill. Enjoy coverage for what is most important to you by being insured with ACE.

ACE offers a range of travel insurance plans, specially designed to cater to different coverage needs and budgets.

2 types of policies to choose from:

  • Single trip: You are only allowed to make a single journey (maximum 183 days) to the selected region during your period of insurance
  • Annual plan: You can make unlimited number of journeys (maximum 90 days per journey) to the selected region of travel during the period of insurance

If you travel frequently, you should consider purchasing an annual travel insurance plan. Besides cost saving, it saves you the hassle of buying an individual plan travel insurance plan every time you travel.

Geographical coverage

ASEAN: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam

Asia: Australia, New Zealand, China, Taiwan, Hong Kong, Macau, Mongolia, Japan, Korea, India, Sri Lanka, Timor-Leste and countries in the ASEAN region

Worldwide: Includes any country outside Singapore, except Cuba

What is covered?

  • Luggage and travel documents cover
  • Journey cancellation and curtailment cover
  • Protection against fraudulent use of credit card
  • Coverage for home contents while you are away
  • Natural disasters cover
  • Full terrorism cover
  • Overseas medical expenses cover
  • 24-hour emergency phone assistance

Choose from a range of comprehensive plans, providing the right coverage for just when you need them. Truly enjoy a relaxing vacation knowing that ACE will be there to help you in your travel disruptions. Travel smarter with ACE.





13/11/2017

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Travel Insurance Archives – My Virgin Money #where #to #get #cheap

#virgin money travel insurance
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Tag Archives: Travel Insurance

Treble Cash Cover for those already in Greece and those travelling to Greece

Amy June 30, 2015 Latest News. Travel Insurance Comments Off on Treble Cash Cover for those already in Greece and those travelling to Greece

The news coverage around the current financial situation in Greece has led to our customers checking with us to see what cover they have with regard to cash under their Virgin Money Travel Insurance policy. This also follows advice issued to travellers recommending that they increase the amount of cash they take to Greece, in case ATMs and banks cannot be.

Play: Suitcase Sling from Virgin Travel Insurance

Nothing in this content constitutes legal, financial or other professional advice and readers should obtain their own professional guidance on the suitability of any featured products or services.

The opinions and comments expressed by contributors are not necessarily those of Virgin Money

Virgin Money Registered office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Registered in England and Wales number 6952311. Financial Services Register number 503963.





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Travel Insurance Medical Conditions #las #vegas #travel

#travel ins
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Holiday Insurance for Pre-Existing

leading specialists.

Buying the right policy

Compare travel insurance for pre existing medical conditions

If you are one of the many who have a pre-existing medical condition then you will be aware of just how difficult it is to find the right travel insurance policy for you at the cheapest possible price.

Fortunately MoneySupermarket.com has teamed up with the top specialist travel insurance companies to offer you just that. Using our comparison tool you will now be able to compare travel insurance companies that cover medical conditions as part of their policies.

More about travel insurance with medical conditions included

Medical claims and emergencies abroad are one of the biggest costs to insurance companies. This is why some insurers will offer millions of pounds worth of cover to pay for things like hospital treatment, emergency repatriation and travel expenses associated with having to stay abroad longer due to a medical emergency.

This is why people who have a greater risk of claiming are forced to pay more for their insurance premiums. Whether you have experience of a serious condition such as cancer or something quite minor that occurred years ago, then you will need to disclose this to your insurer.

Even those who have been cured from a medical condition may still have to declare this to their insurer. For example, a person who has been completely cured of cancer may still face higher insurance premiums.

Travel insurance for people with existing medical conditions is designed so that if you were to fall ill whilst abroad due to your medical condition, then your health care costs will be covered which can run into the thousands. This will give you the peace of mind to know that everything will be taken care of should the worst happen.

Medical screening and risk factor

When searching for an insurance company that covers pre-existing medical conditions you will be often asked a number of in-depth questions and will be required to submit detailed and sometimes very personal answers. You will be asked about a range of conditions both physical and mental such as depression and anxiety.

Whilst this can be a frustrating process it is necessary so that the insurance company can tailor your policy to your specific needs and determine any risk you may impose.

Failure to declare a medical condition to an insurer could result in any claim being rejected and force you to cover any medical costs yourself. It may be tempting to withhold certain information in order to obtain a cheaper premium, but in the event of a claim the insurance company can access your medical records.

No matter how minor a medical condition may be it is always worth declaring this to the insurer just to be sure that you are fully covered.

Once you have answered all relevant questions there are a number of potential outcomes, these are:

  • Offer a standard travel insurance policy depending on the severity or type of condition
  • Exclude medical cover for certain pre-existing conditions
  • Offer the insurance to you but at a much higher price
  • Refuse to insure you at all
  • Impose certain restrictions, exclusions, special terms or higher excess payments

Depending on where in the world you are travelling could also have a large impact on your policy. For example, the United States, the Caribbean, Canada, Spain and Cyprus have some of the most expensive medical care in the world and this could determine whether you are offered travel insurance or not.

Our comparison tool will take you through a number of pre-determined questions to help you find the cheapest travel insurance quote that includes cover for pre-existing medical conditions.

Faqs

Questions our customers often ask us about travel insurance

Q. Why do I need cover for my existing medical condition?





13/11/2017

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Travel Insurance Canada #cheap #flights #tickets

#travel ins
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Travel at ease with the right travel insurance plan for you

Travel Insurance Options

Choose the travel insurance coverage that caters to your needs.

  1. Do you travel out of province or country multiple times a year?

Yes No

  • Travel Coverage – which of the following coverage’s are you interested in?
    • Emergency Medical

    Emergency Medical Insurance – A medical emergency can be stressful at any time, let alone while you’re on vacation and away from home. However, your Platinum Card membership can provide you coverage when you need it most. Provides coverage for eligible emergency medical expenses incurred while travelling outside your Canadian province or territory of residence, for the first 15 consecutive days of each trip for all insured persons under the age of 65.

    Trip Cancellation Insurance – Provides coverage for the reimbursement of the non-refundable pre-paid travel arrangements up to $1,500 per insured person to a maximum coverage up to $3,000 for all insured persons combined when you cancel a trip for a covered reason.

    Trip Interruption Insurance – Provides coverage for the non-refundable unused portion of your prepaid travel arrangements, as well as transportation up to $1,500 per trip per insured person up to a maximum of $6,000 for all insured persons combined should your trip be interrupted or delayed for a covered reason.

    Baggage Loss and Delay Insurance – When you fully charge your airline tickets to your Platinum Card you can receive up to $1,000 coverage for loss or damage to your luggage or personal effects while in transit. Book a flight with your Platinum Card and receive up to $1,000 coverage (aggregate maximum with Flight Delay Insurance) for all immediate daily reasonable and necessary emergency purchases, made within four days, for essential clothing and sundry items when your baggage on your outbound trip is delayed by six or more hours.

    Travel Accident Insurance – A benefit is payable under the Policy if the Covered Person sustains Injury as a result of an accident which occurs while riding solely as a passenger in or boarding or alighting from a Common Carrier Conveyance or being struck by such Common Carrier Conveyance on a Covered Trip. Please review the certificate of insurance for full coverage details, limitations and exclusions.





    12/11/2017

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  • Travel Insurance Center – The Travel Insurance Experts! #adventure #travel #company

    #travel insurace
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    Travel Insurance Center Travel Agent Blog

    Three Planes and a War – Why Accidental Death Insurance is Important

    Published:Tue, 29 Jul 2014 06:00:00 GMT

    A recent spate of international plane crashes has many people thinking about their own mortality and what they would want to happen for their loved ones. People purchase accidental death insurance to assure their loved ones will be taken care of financially should the unthinkable happen.

    According to the US Travel Insurance Association (USTIA), Many travelers mistakenly believe that their health insurance plan or the U.S. government will provide assistance in the event of a medical emergency. This can be a very expensive mistake, as these organizations may only provide the most basic medical referrals, and they may not pay for the expenses associated with a medical emergency, which can easily approach $100,000 for a serious medical problem.

    To help you sort through the myriad plans offered by Travel Insurance Center. we ve compiled the best-sellers by category for the first quarter of 2014. Keep these in mind when you re searching for the best policy for your clients.

    Political unrest. Civil disorder. Act of war.

    These words are frequently found in the exclusion clauses of a travel insurance policy. And they re hot topics in today s news, whether about Ukraine, Syria or other places where your clients are traveling.

    With all the weather issues this year, there have been many vacations cancelled, cruises missed and flights cancelled, resulting in delays of two or three days. I couldn t help but think of the term The Luck of the Irish, which can mean good luck if you re Irish or bad luck if you re not. But where was it for those unlucky Irish souls who were caught in these situations?

    Many people (your clients) are busy making vacation arrangements right now. That means there s an opportunity for you to earn a few extra dollars. For example, take a quote I gave this weekend to a couple in their 80s. If you d sold them the quoted travel insurance plan for their 71-day Africa/Europe cruise beginning in March 2015, I d line your pockets with a little more than $2,500 bucks in commission.

    When events like terrorism threaten travel plans, your role as an insurance agent puts you in the easy seat to help your client and make a sale even if travel insurance isn t your bread and butter. The recent government-issued travel warnings in the final weeks before the Feb. 7th kickoff of the Sochi Olympics present a prime example.





    12/11/2017

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    Travel insurance – International travel health and life insurance quotes made

    #travel life insurance
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    International Trip, Travel, Medical Life Insurance

    We offer the Web’s ONLY Intuitive Plan Comparison Tool

    I have used other major quoting sites online to research what programs are available to my situation. eTravelInsuranceQuotes.com is the ONLY site that, in my opion, quickly and easily displayed a simple cross section of insurance programs by simply answering a few online questions –WOW, how simple! It made me feel secure in knowing I wouldn’t select the wrong program for my needs. All the extra nonesense plans were eliminated, making it easier to compare just a few top options compared to 100’s. the site is awesome !

    — Bernadette Meyers, Ocala FL

    Our eGlobal IQ Tool TM is NOT just a Quoting Engine that regurgitates 100’s of potentially unrelated plan results.

    We devised a tool that asks a few critical questions and then suggests the TOP 5 plans that are logical, appropriate choices !

    We present the results to you, our client, knowing we have pre-qualified your specific needs based on actual eligibility and certain underwriting guidelines.

    Comparing plans between carriers is never truely an apple to apple comparison. This is why we feel confident you’ll find the eTravel IQ approach to researching insurance programs on the Web the best approach.

    Additionally. we are standing by to assist by phone, email or LiveChat.

    Extraordinary Global Service is our Goal TM





    12/11/2017

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    Travel Insurance – Travel Insurance Services #uk #travel #agents

    #travel ins
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    Travel Insurance Products for Students, Families, Groups, and Businesses

    Get Travelers Insurance that Fits Your Needs

    If you’re traveling for business, studying abroad, or going on a trip with friends and family, you need travel insurance. As an industry leader that has been designing products for all types of travelers for over 30 years, our trip insurance plans fit the needs of students, tourists, families, and worldwide travelers. Choose your travel insurance for trip coverage, medical evacuation, student enrollment, and more.

    Travel Insurance for Student Travelers

    If you’re a student studying abroad or a parent of a student traveling to a foreign country, don’t wait until the last minute to purchase student travel insurance. Study USA-Healthcare makes it easy for you to buy online. renew your coverage online. receive immediate proof of coverage, and even have your school forms filled out within one business day! Accepted by many major colleges and universities, Study USA-Healthcare is a cost-effective way to get the travelers insurance you need, and can be renewed for up to three years.

    Travel Insurance for Trip Cancellation, Trip Delay, and Baggage Loss

    You don’t expect to cancel your trip or to have a medical emergency while traveling. Be prepared with Travel Insurance Select . Choose the benefits you want and need and enjoy the flexibility of being able to change your trip plans with the popular Cancel for Any Reason benefit.

    Travel Insurance for Emergencies Away From Home

    Our products for student travelers, frequent travelers, and international visitors provide coverage for both common and unlikely situations. Our International Medical Insurance plans include prescription drug coverage, physical therapy, emergency medical evacuation, travel medical assistance, and security evacuation.





    12/11/2017

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    Travel Health Insurance: International Travel Medical Insurance, HTH Worldwide Travel Insurance

    #travel insuranc
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    Trusted Name in Travel Health Insurance

    HTH Travel Insurance is operated by Worldwide Insurance Services, LLC (WIS). Founded in 1997, WIS offers competitive health insurance protection and technology-powered assistance services to global travelers, students and expatriates. WIS brings to the U.S. market a variety of travel medical insurance products under leading brands. WIS and its parent company, Highway to Health Inc. (HTH) collectively serve more than 1M travelers and expatriates each year.

    WIS products are sold via licensed insurance brokers and provide the following

    • “A-rated” coverage underwritten by licensed and admitted insurers in the United States.
    • Superior benefits and services not available elsewhere.
    • Unparalleled access to leading doctors and hospitals, who contract with us and bill us for their services.

    WIS also delivers exceptional service via toll-free multi-lingual customer support and its proprietary web-based administrative capabilities. WIS administers its insurance products and delivers emergency medical assistance services in cooperation with air ambulance partners

    Copyright 1998 – 2015, Highway to Health, Inc.





    12/11/2017

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    Travel insurance – Compare cheap quotes. #cheap #travel #deals

    #travel insurace
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    We compare up to 46 trusted travel brands to find you the best deals.

    Let us help you compare travel insurance

    At Confused.com, we compare up to 46 travel insurance providers to help you find the policy that suits you best.

    Whether you’re looking for a single or annual trip policy, backpackers insurance, cover for over 50s or p re-existing medical conditions. policies can be compared in minutes and you could have your documents emailed to you within an hour .

    To help you further, when you get a quote, we show Defaqto star ratings (a rating by the independent financial researcher) next to each provider, which could help you make a more informed decision, quickly.

    • Looking for family travel insurance? We’ve got you covered. Compare single trip, annual and backpacker policies covering up to two adults and eight children under the age of 18. Once you’ve started a quote, simply select ‘family’, adjust the party size and add everyone’s date of birth:

    %img src=”http://www.confused.com/%3C/p%3E%0D%0A%3Cp%3E/media/product/travel-insurance/family-travel-options.png?la=en-GB h=132 w=420″ /%

  • Going on a group holiday? Get a quote for multiple individuals in one go, even if you’re not related – it’s that easy!
  • What is covered?

    • Emergency medical expense

    If you fall ill on holiday and need to seek medical assistance, travel insurance could cover the cost of treatments as well as transportation back to the UK if needed.

  • Baggage and personal possessions

    Most policies offer a 24-hour helpline that provides worldwide support and advice to help you deal with your emergency.





    12/11/2017

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  • Travel Insurance – Annual – Single Trip Holiday Insurance – Club

    #direct travel insurance
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    High Quality Travel Insurance

    Club Direct has a sound reputation for highly competitive prices as well as an unparalleled level of personal service.

    Club Direct Travel Insurance policies offer highly competitive levels of cover; here are some of the benefits you can enjoy from a Club Direct Travel Insurance policy:

      Medical cover of up to 10 million

    Cover for many pre-existing medical conditions*

    Winter Sports cover option, on and off piste.

    Single Trip cover for customers up to the age of 79

    Our travel insurance policies also provide cover for your belongings, holiday cancellations, delays and numerous other risks that can occur during your trip abroad.

    We can provide Annual Multi Trip Travel Insurance up to the age of 74 and Single Trip Travel Insurance up to the age of 79 online. In addition, Club Direct has an online medical screening system which allows us to quote you for many pre-existing medical conditions. Alternatively if you’d prefer to speak to one of our team they can take you through the screening process over the phone, just call 0800 083 2455 for a quote.

    Club Direct provides a fast and efficient service, low prices and exceptional comprehensive travel insurance packages to customers across the UK. This makes Club Direct your first choice for competitively priced travel insurance. Simply click below for an instant quote or call 0800 083 2455.

    For further details and information regarding the different travel insurance products we have available at Club Direct, simply click on the left hand navigations, where you will discover a whole host of options open to you, whether it be Annual Multi Trip, Wintersports coverage or specialist medical conditions, to name but a few!

    *subject to our online or phone based medical screening system.

    CLUB DIRECT (UK) LIMITED. Reg. No. 4573579.

    Registered in England and Wales. Reg. Add: Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU.

    Club Direct is authorised and regulated by the Financial Conduct Authority under registration number 311886.

    This site is only available to United Kingdom residents.

    The Underwriters of the scheme, Optimum Underwriting Limited are Underwriting Agents for Ageas Insurance Limited and are

    authorised and regulated by the Financial Conduct Authority, Registered number 308047. For more information you may visit www.fca.org.uk .

    Optimum Underwriting Ltd, Registered in England: No. 3805719 Registered Office: Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. Ageas Insurance Limited, Registered in England: No. 995253, are authorised and regulated by the Financial Conduct Authority, and are a member of the Association of British Insurers.





    12/11/2017

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    Travel Insurance – Compare and Buy Trip Insurance Online #travel #agent

    #travel insurace
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    Sep 21 2015

    TESTIMONIALS

    Your site is very useful! I compared about 20 plans from 5 companies and ended up paying a lot less for travel insurance than I expected. Buying through your site was easy and quick (got my policy via email). Thanks for the help!

    Kimberly (Rochester, NY)

    I found the comparison and filters to be really helpful when looking at trip insurance policies on your site. I found the one with the right amount of medical coverage and bought it online. Received my confirmation of coverage quickly. Thanks!

    Courtney (Mankato, MN)

    Instead of buying the one policy served to me on the airline website, I used your site to compare and find the best one. Your checkout process was very fast and easy.

    Sarah (Keene, NH)

    I compared about 15 policies from different companies and found the one that had the amount of coverage that I needed. Purchasing online through your website was easy. I appreciate your service and would shop here again.

    Shep (Salt Lake City, UT)

    Thanks. Your service helped me compare policies online. I purchased through your site and received my coverage documents via email promptly. Very happy customer.

    Don (Carlsbad, CA)

    I bought my travel insurance plan through TravelInsurance.com and had a great experience. The quote and checkout process are very easy to use. I got my policy via email in a few short minutes. Will shop for insurance here again.

    Michelle (Garner, NC)

    Thanks for the help. I saved a lot of time using your site and found the perfect policy for our upcoming vacation. I would definitely use your site again!

    Stan (Brooklyn, NY)

    After searching a few sites on the Internet, I came across TravelInsurance.com and was glad I did! I searched various travel insurance plans and quickly found the right policy for my daughter s summer trip. Very easy to use!





    12/11/2017

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    Travel Guard – Why Buy Travel Insurance? #best #travel #sites

    #buy travel insurance
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    Why buy travel insurance through Travel Guard?

    Because not all travel insurance is the same!

    With travel insurance through Travel Guard you’ll have valuable coverage that travels with you and your family. We’re America’s leading provider of travel insurance plans and assistance programs and we’re here to help you 24 hours a day, 7 days a week.

    How can my travel insurance plan cover my vacation investment in the event of a hurricane or other unforeseen severe weather?

    Travel insurance plans offered by Travel Guard provide you with insurance coverage for your travel investment if unforeseen weather conditions cause a delay or cancellation of your trip. If the weather or other covered reason forces you to cancel your trip, you can be reimbursed for your nonrefundable expenses, up to the amount of coverage you purchase. If bad weather or other covered reasons delay your trip you can be reimbursed for reasonable, additional accommodations and traveling expenses until travel is possible.

    Click here for more questions related to Hurricanes Travel Insurance.

    What would you do?

    You’re involved in an accident while on a summer trip to Europe with your family and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation? With travel insurance coverage through Travel Guard, you can be prepared. Plans can include coverage for medical expenses, trip interruption and more and include emergency travel services so you can be sure that Travel Guard has an insurance plan that meets your traveling needs. We’re here to help you and your family 24 hours a day.

    Click here for more real life situations where Travel Guard may assist you.

    Certain restrictions apply.





    12/11/2017

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    Travel – Holiday Insurance Online Quote #cheapest #car #rentals

    #travel insurance quote
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    Travel insurance quote

    It only takes a few minutes to get a quote for travel insurance online. You can then decide whether to apply for cover straightaway. Before you start, please look at the What you should know before you apply section below.

    What you should know before you apply

    In order to apply you and anyone covered on your policy must be:

    • Permanent residents of the United Kingdom
    • Travelling from and returning to the United Kingdom
    • Not travelling already
    • Registered with a GP in the United Kingdom

    Annual multi-trip age limit 80 (70 if travelling to the USA, Canada or Caribbean Islands). Single trip no age limit (except 80 if travelling to USA, Canada or Caribbean Islands).

    Medical conditions

    We’ll also ask you a few questions about any existing medical conditions you, or anyone travelling with you, may have. We’ll tell you if we can provide cover for these conditions – and if we’ll charge an extra premium. Then you can decide whether you want your policy to include them.

    What you’ll be asked for

    • Your main destination and the regions you want your policy to cover
    • The name and date of birth of every adult and child you want your policy to include
    • Your email address, home address and postcode
    • Your card details if you decide to buy. You can pay using an M S Credit Card, M S Debit Card, M S Chargecard, Maestro, Visa, Visa Debit or MasterCard

    Online discount

    The 15% online discount is available when you buy a new policy online (excludes renewals). You can also receive this discount each time you take out a new single trip policy.

    Important information

    We’ve carefully selected AXA Insurance UK plc to underwrite this quality travel insurance. Terms, conditions, exclusions and limitations apply. In addition there are important conditions relating to health which may affect your cover.

    It’s important to consider any other travel insurance you or any other traveller may have when deciding to purchase this product as you will only be able to claim against one policy.

    Before you start your quote, read our important information about travel insurance.

    By clicking ‘Start your quote’ you confirm that you have read and accepted the Policy Booklet. Please take care to answer all of the questions honestly and ensure that your answers are accurate and complete. If you don’t, it may mean that we are not able to deal with your claim or your policy may be cancelled.





    10/11/2017

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    Travel AD&D and Specific Loss Insurance #weather #travel

    #travel life insurance
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    Don’t Get Tripped Up – Get Travel Accident Insurance

    Whether you’re headed out for a simple weekend getaway or a 10-day luxury cruise, an accident or injury could really derail your plans – and the expenses can add up quickly.

    Nationwide Travel Accident Insurance can help you financially protect yourself and your family (including your spouse and children) against the following results of travel-related accidents:

    • Death
    • Specific loss (such as a limb, eyesight or hearing)

    Plus, no matter how you travel to your destination, you’re covered with Nationwide travel accident insurance, whether you’re a:

    • Pedestrian
    • Driver or passenger in a private automobile
    • Fare-paying rider on a taxicab, bus, streetcar, subway, train, powerboat or ocean liner
    • Fare-paying passenger on a commercial aircraft 

    Get the coverage you need for less than a penny a day

    On top of these great benefits, the coverage is extremely affordable. For less than a penny a day, you and your family can be protected for a full year – however you choose to get where you need to go.





    10/11/2017

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    The 4 Best Travel Medical Insurance Companies of 2015. #travel #rep

    #medical travel insurance
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    The 4 Best Travel Medical Insurance Companies

    Latest Update November 11, 2015

    Like MH Ross, CSA Travel Protection insures you for up to $250,000 of emergency medical costs resulting from treatment you receive during your trip. This includes coverage for any surgeries, medications, and doctor visits you need. You also receive $1,000,000 of emergency medical transportation coverage. Not only does this cover things like ambulance transportation, but also the return of remains and bedside visits. If you’re traveling with young children and end up in the hospital, CSA Travel Protection also helps make sure your children get home safely. Pre-existing conditions are only covered under the Custom Luxe plan, however, so keep this in mind if you’re considering CSA Travel Protection.

    Editorial Note: The editorial content on this page is not provided by our advertisers. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.





    10/11/2017

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    Student Travel Insurance #travelling #europe

    #student travel insurance
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    Student Travel Insurance

    Name

    Mobile No.

    Email Id

    I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to contact me. It will override my registry on the DNCR. Read more

    Calculate Travel Insurance Premium

    We would like to inform you that the service tax has been revised to 14.5% W.E.F 15th November, 2015. This change will be applicable on all our Travel insurance products mentioned in the brochure. We are working on the revised Travel insurance brochures and they will be put up soon.

    Why do I Need Student Travel Insurance?

    Studying abroad in a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. A student living alone outside India might also need visits from family or other back-ups if something goes wrong. Our travel policy covers you for all such eventualities for just a fraction of the amount you would otherwise need.

    • Covers expenses of hospitalization, loss of baggage, accident to sponsor, family visit and other incidental expenses
    • Covers you against bail bonds and tuition fee*
    • Covers you against loss of passport**
    • Covers you for emergency dental pain relief***
    • Quick disbursement of claims
    • Global expertise matched with local knowledge
    • Innovative packages to match individual needs
    • Innovative packages to match individual needs
    • Only insurance company with in-house international toll-free numbers and fax numbers

    *Offered only with Student Elite,

    Scholars Guide and Brilliant Minds





    09/11/2017

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    SportsCover Direct • Sports Insurance Specialists: SportsCover Direct Insurance #orbit #travel

    #direct travel insurance
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    Sports Travel Insurance

    Provides single trip or annual multi trip cover for holidays that involve taking part in sports. Benefits include medical expenses, personal liability, cancellation, baggage cover and emergency repatriation.

    Activity TopUp Insurance

    If you already have travel insurance but need to cover an activity during a trip that is excluded by your existing policy then Activity TopUp can be used to cover you during that excluded activity. Benefits include medical expenses, repatriation and search and rescue.

    Sports Accident Insurance

    Protects you whilst taking part in sport or activities within your home country. Cover includes income replacement, personal liability protection; personal accident benefits as well as rehabilitation cover. Insurance is provided on a one day, multi day or annual basis.

    Children’s Sports Accident Insurance

    Available to children under the age of 19 years whilst taking part in sport, activities or competitions in your home country. Cover includes broken bone benefits, personal liability protection, personal accident benefits as well as rehabilitation cover. Insurance is provided on a one day, multi day or annual basis.

    Sports Team Insurance

    Provides sports personal accident to teams. Cover includes income replacement, personal liability protection, personal accident benefits as well as rehabilitation cover.

    Bicycle Insurance

    Welcome to SportsCover Direct

    We specialise in sports insurance

    Whether you need to protect your income, are travelling abroad or wanting protection at home, we cover for most eventualities. Our products are tailored to amateurs or semi-professionals (earning less than 4,000 per year through their sport) taking part in sports and activities including competitions. Get instant quotes and buy online today.

    Trainers, clubs, coaches and sports businesses





    09/11/2017

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    Should You Buy Travel Insurance? #best #price #rental #cars

    #buy travel insurance
    #

    Should You Buy Travel Insurance?

    Thinkstock

    By Jessica L. Anderson | From Kiplinger’s Personal Finance, August 2013

    Vacation protection can make sense, but know what it does and doesn’t cover.

    Hurricane season is upon us, which means a tropical storm could be brewing just as you’re about to leave on vacation. Is travel insurance the solution?

    See Also: Are You Covered?

    Probably not. Unforeseen events are typically covered, but foreseen (or foreseeable) ones are usually not. A tropical storm being tracked is a foreseen event. So if you cancel your trip to Puerto Rico because you’re worried the storm could turn into a hurricane as it blows through San Juan, you won’t be reimbursed.

    Advertisement

    Commonly covered reasons for cancellation include death or illness (yours or a close family member’s, as long as you have a doctor’s note or death certificate), a layoff at work, a terrorist incident in your city or destination, storm damage that makes your destination uninhabitable, and bankruptcy of a travel supplier. Pre­existing medical conditions are covered if you buy coverage within a week or two of booking your trip. After that, they’re considered a foreseen illness and excluded.

    You will be reimbursed only for nonrefundable expenses. If the airline rebooks you at no charge or the cruise operator gives you a voucher for a canceled trip, you won’t be reimbursed. Save your receipts and any documentation of the reason for canceling; you will need backup when you make a claim.

    Reasons to Buy

    If you understand what is and isn’t covered, you can insure your nonrefundable costs so that you can afford to reschedule. You can compare dozens of policies at InsureMyTrip.com and SquareMouth.com. Package policies, which run about 4% to 8% of the cost of your trip, include coverage for trip cancellation and delay, interruption (in case you get sick while traveling and have to return home suddenly), medical costs, and lost or delayed baggage. They also include 24-hour phone service to help you find a medical facility or rearrange travel plans.

    Even if you think cancellation is unlikely, insuring yourself for medical issues is a good idea, especially if you’re traveling abroad. U.S. insurance is typically not accepted abroad (and Medicare is rarely accepted). Even if you’re planning travel within the U.S. your insurance may have large deductibles or co-payments for care outside your home area. Medical evacuation to get you to a treatment facility from a remote area or to airlift you home can cost upward of $100,000.

    A package policy includes medical and medevac coverage. You can also purchase travel medical insurance separately. The cost is based on your age, preexisting conditions and the length of your trip. For example, a 50-year-old traveling for two weeks can get $50,000 of medical coverage and $300,000 of medical evacuation coverage for about $40. Look for policies that offer primary coverage; otherwise, the insurance won’t kick in until your medical plan has processed a claim.

    Be wary of the offerings from airlines and cruise lines. Airline policies typically offer less coverage for the same price as a third-party package plan, and cruise insurance may offer vouchers for future travel instead of reimbursement. Also, their policies don’t cover their own financial default, so if they go under, you’re out of luck. Policies sold by travel sites are also less comprehensive.

    Many companies now allow you to add riders that let you cancel for any reason. Say you’re worried about political unrest in the region you’re visiting, or you think you may have to attend a funeral during your trip. You can pay extra and cover every eventuality. The surcharge is 50% to 60% of your base premium, and about 75% of your costs will be reimbursed if you cancel (some companies offer up to 90% reimbursement). The catch? You still must cancel at least two days before your trip.





    08/11/2017

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    Qantas Travel Insurance #kenya #travel

    #domestic travel insurance
    #

    Travel Insurance

    Qantas Frequent Flyer members can earn Qantas Points on selected purchases +

    QBE Insurance (Australia) offers a wide range of policies to suit your travel requirements. Plus, Qantas Frequent Flyer members who are Australian residents can now redeem points on QBE Travel Insurance when booking a domestic or international flight departing from Australia at qantas.com.

    Purchase your travel insurance policy by 31 December 2015 and you could win $5,000 in Qantas flight vouchers. Find out more .

    Travel safe with QBE Insurance’s range of policies to cover you in case of trip cancellation, medical expenses, loss of valuables, baggage delay and more. Get an instant, free online quote now to ensure you are protected from the moment you book your trip. Available to New Zealand residents and citizens.

    Travel safe with QBE Insurance’s range of policies to cover you in case of trip cancellation, medical expenses, loss of valuables, baggage delay and more. Get an instant, free online quote now to ensure you are protected from the moment you book your trip. Available to United Kingdom residents and citizens 65 years of age or under.

    Travel safe with QBE Insurance’s range of policies to cover you in case of trip cancellation, medical expenses, loss of valuables, baggage delay and more. Get an instant, free online quote now to ensure you are protected from the moment you book your trip. Available to Singapore residents and citizens.

    Purchase your travel insurance policy by 15 December 2015 to earn double Qantas Points. Find out more.

    Travel safe with QBE Insurance’s range of policies to cover you in case of trip cancellation, medical expenses, loss of valuables, baggage delay and more. Get an instant, free online quote now to ensure you are protected from the moment you book your trip.

    Purchase your travel insurance policy by 15 December and you could win a AU$500 Qantas Unique Experience voucher. Find out more .





    06/11/2017

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    One Way Travel Insurance #student #travel #insurance

    #one way travel insurance
    #

    One Way Travel Insurance

    Travel insurance is not just for holidays or business trips abroad. Some of the more inventive and, dare we say it, better companies offer a range of policies for all travelling scenarios, including domestic insurance, frequent traveller, and one way travel insurance.

    But why travel one way you might ask? A one-way policy is perfect for those heading abroad who intend to return to New Zealand, but don’t have firm return dates or flights planned. Downunder Insurance offers two one way travel insurance policies; our Plan F policy covers non-residents heading off on a one way trip to their home country while the Plan G policy covers residents currently overseas but heading back home.

    Click above for your One Way Travel Insurance quote

    What Does One Way Travel Insurance Cover?

    Travellers often question why they need travel insurance when their ultimate destination is often back to their homeland. Once home, they will then be able to access medical treatment and health care without it costing a cent, so they shouldn t really need to be insured for this trip. Or should they?

    Many travellers forget the huge range of cover that a travel insurance policy offers. While medical insurance and repatriation is top of the list of priorities when travelling in strange countries, don t forget that companies like Downunder, who specialise in travel insurance, are well aware that travel plans don t always run smoothly, and being experienced travellers themselves have created a policy to cover all niggles and mishaps that can mar your journey.

    Cover for Belongings, Valuables and Documentation

    Cover for cancellation fees and lost deposits starts as soon as the policy is issued while cover for all other policy sections will begin on the day of departure. Cover ends once the journey is completed.

    As well as covering cancellation fees and lost deposits, non-resident insurance provides essential cover for loss or theft of luggage and personal effects. It also covers delays of these items and loss or theft of travel documents, traveller s cheques and credit cards and any expenses incurred due to travel plans being delayed, including alternative travel expenses. In the case of an incident relating to a third party, where accidental damage occurs, personal liability cover is a must.

    New Zealand In-Bound Travel

    Cover for this sort of journey can be purchased overseas and Downunder have offices in several countries as well as easy access online. Policies include the same cover as non-resident travel insurance except for the period within a waiting date of seven days from the start date, during which time cover is not available for some aspects of the policy including medical expenses, cancellation fees, and lost deposits. Cover ends when the journey has been completed or on the end date on the insurance certificate, whichever happens first.





    05/11/2017

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    Online Travel Insurance #irish #travel #agents

    #online travel insurance
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    I would really like to Thank BTW Visa services for all the assistance provided. The entire process held was really quick and very much in time and appropriate.The information provided by you was very much helpful and I was able to hold a clear picture of the entire process.Thanks once again. I ap.

    Sayali Divekar

    Really Nice work.Applied for Australian tourist visa for my wife. that time I have been some other places also but they were not confident about visa approval and process time,so I was worried. But then I have got reference of deep from one of my family fiends, he has given information of docum.

    I would really like to Thank BTW Visa services for all the assistance provided. The entire process held was really quick and very much in time and appropriate.The information provided by you was very much helpful and I was able to hold a clear picture of the entire process.Thanks once again. I ap.

    Sayali Divekar

    Really Nice work.Applied for Australian tourist visa for my wife. that time I have been some other places also but they were not confident about visa approval and process time,so I was worried. But then I have got reference of deep from one of my family fiends, he has given information of docum.





    05/11/2017

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    One Way Trip Travel Insurance #travel #agent

    #one way travel insurance
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    One Way Trip Travel Insurance

    One Way Trip Travel Insurance

    One Way Trip Travel Insurance covers you for an unlimited amount of time before you arrive at your final destination, if you have decided to emigrate to a new country or return to your country of origin.

    JS Travel Insurance can provide cover if you wish to stop off somewhere else on the way to your destination country.

    The Travel Insurance cover ends as soon as you reach your final destination.

    There is No Age Limit restriction and we can provide cover for pre-existing medical conditions as well.

    To get a quote by telephone, contact us on 0800 047 5065 (FREE) or 01273 773 017 or by email:

    Popular countries for Emigration include:

    There are many different types of Visas available to suit the amount of time you want to spend away and the activities you will be doing. These include:

    • Working Visa
    • Holiday Visa
    • Working-travelling Visa

    If you have a job offer in another country, then you can apply for a Working Visa. The means you will be allowed to enter and stay in another country on the condition that you have a firm job offer and you remain employed in that position.

    Usually if you wanted to change jobs, your new employer would have to go through a thorough interview process to ensure that there were no native workers more suited to the position and confirm this with the immigration authorities.

    A Holiday Visa means you can go away to another country for long periods of time without having to have a job waiting for you. This is often a popular choice for gap year students who wish to spend a significant amount of time travelling round a particular country such as Australia and Thailand.

    A Working Travelling Visa combines both of the above. This is for people who wish to spend time in another country, aim to do some travelling but would also like to be able to work. You do not need a job offer to apply for this type of visa, but you are allowed to apply for work once you have arrived.

    Visa applications for countries such as Canada, Australia, South Africa and New Zealand will usually require the following:

    • Proof of address
    • Copy of passport
    • Police certificate
    • Proof of funds
    • Medical declaration

    Some countries such as the USA will require you to attend a face to face interview at the US embassy to assess your suitability.





    05/11/2017

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    One Way Travel Insurance #annual #travel #insurance #comparison

    #one way travel insurance
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    One Way Travel Insurance

    Those individuals intending on staying in a foreign country long-term will usually find that it makes sense for them to purchase one-way travel insurance. Their needs will differ from those of the average tourist, so it is important that the policy they choose reflect this. One-way travel insurance is also sometimes referred to as expat travel insurance. Down Under Insurance provides a policy that will work well for those people who intend to move abroad long-term.

    Click below for your One Way Travel Insurance quote

    What to Expect with One Way Travel Insurance

    One-way travel insurance is named from the fact that those looking for this type of policy will typically be purchasing a one-way ticket to their destination. This individual may be moving abroad long term, or they may just be going on a long holiday abroad without any plans for when they will be returning. If this person were to buy a basic travel insurance policy, it would likely be unsuitable for their needs. This type of policy will cover such things as:

    • emergency medical assistance
    • emergency medical and hospital expenses
    • personal liability coverage
    • personal luggage coverage
    • luggage delay coverage
    • coverage in the case of death
    • repatriation if required in the event of an emergency
    • coverage for stolen money
    • cancellation, curtailment trip interruption

    The fact that this is one-way coverage brings some important additional benefits such as:

    • i f you need to make a claim on this policy, you will be able to do this in your destination country rather than coming back to Australia to make a claim.

    Do You Need One-Way Travel Insurance?

    The one-way travel insurance policy will be suitable for a number of different types of individual, including:

    • Australians who are going abroad and have no real plans for when they will be returning home again
    • Australians who are returning home after a long period of being away
    • Australians who plan to go travelling for an indefinite time in Africa, the Americas, Asia, South East Asia, or Europe.

    When it comes to purchasing travel insurance, it is always going to be important to find the policy that is most suitable for your needs.





    05/11/2017

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    Nationwide Travel Insurance Essential – Compare & Buy #cheap #car #rental

    #essential travel insurance
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    Nationwide Essential

    The Nationwide Essential plan is a good option if you are planning a trip on a budget, but don’t want to sacrifice coverage.

    With coverages like trip cancellation, trip interruption and baggage protection, this plan includes the standard comprehensive travel insurance coverages. It also features some additional options. You can add the optional coverages for rental car collision if you are planning on using a rental car during your trip. Be sure to call your rental car company to verify if they will honor this coverage.

    If you purchase the plan within 10 days of your initial trip payment; insure the full pre-paid, non-refundable cost of the trip; and meet all the eligibility requirements you could qualify for additional time sensitive benefits, such as financial default coverage and the pre-existing conditions exclusions waiver.

    This plan also includes medical coverage for unexpected medical and dental emergencies. If you qualify for the pre-existing conditions exclusions waiver. you could receive treatment for illness or injury associated with that pre-existing condition, regardless of the lookback period. The plan also includes emergency medical evacuation if the attending physician recommends that your condition warrants transportation to another medical facility.





    05/11/2017

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    Young Drivers – Car Insurance #young #driver #car #insurance, #young #driver


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    Young Drivers Car Insurance

    You ll find great deals on young drivers insurance at 4 Young Drivers. We specialise in finding cheap car insurance for learner drivers, students and drivers with convictions, with or without no claims bonus.

    Still on a provisional driving licence? Not a problem! Get your first insurance through us for great cover.

    Learner Driver Insurance

    Looking for temporary learner driver insurance? If you re gaining experience in your own or a family member s car outside your professional driving lessons, this is a great policy for you.

    • Comprehensive cover for 17 to 21 year-olds
    • Flexible short-term cover from 7 days up to 6 months
    • Affordable insurance in your own name
    • Covers your own car or a car owned by a parent or friend
    • No risk to parent or friend s no claims bonus

    New Driver Insurance

    Affordable black box insurance for new and first time drivers with some great features to save you money on your premium.

    • For full or provisional licence holders
    • Available to 17 to 24 year olds
    • Premium won t increase after you pass your test
    • No restrictive night-time curfews
    • Instant cover don t wait for the black box to be fitted

    Student Car Insurance

    Affordable short-term car insurance for students to drive a parent s or a friend s car, with no risk to their no claims bonus!

    • Available to 18 to 27 year old students with full licence
    • Flexible cover available from 7 to 28 days
    • No risk to owner s no claim bonus
    • Instant comprehensive cover

    Don t want a black box policy?

    We understand that a black box / telematics policy isn t for everyone. So if you re looking for competitively priced young driver insurance without a black box, we can help. We work with a range of specialist young driver insurers, offering affordable insurance you can rely on.

    Convicted driver insurance

    It can be difficult for young drivers with convictions to find car insurance. We specialise in getting the best deals for hard-to-cover young drivers, so if you have motoring or non-motoring convictions, let us help.

    Sports Car Insurance

    Are you a young driver with a fast car? We re specialists in both, so enquiries for sports car insurance and high performance cars aren t a problem, even if you re under 25.

    Popular Insurance Links

    What our customers say about 4 Young Drivers

    Great and quick customer service, my case was not very straight forward but it all was sorted in a timely manner. So thank you, will definitely recommend you.

    You always brought my policies down yearly without me having to question that and you have always been very efficient in the handling of documentation. Thank you.

    Every time I have contacted you, you have been extremely polite and very efficient and taken care of my problems. Very impressed thank you very much.

    The staff I have spoken with have been very, very good, very informative and very helpful.

    Latest News from 4 Young Drivers

    Government responds to young drivers’ pleas for cheaper car insurance

    Changes to the mobile phone law – what drivers need to know

    What are the consequences of fronting?


    04/11/2017

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    Extended Warranty #warranty #insurance #for #cars


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    Extended Warranty

    Volvo can offer the option to extend the period and mileage limit of the standard 3 year/60,000 mile warranty. This enables customers, who intend keeping their Volvo beyond the manufacturer warranty period, to enjoy a similar level of protection for an extended period.

    Main Features and Benefits
    Cover option 1 – Extends your current 3 year/60,000 mile manufacturer warranty to 4 year/60,000 miles, whichever comes sooner.
    Cover option 2 – Extends your current 3 year/60,000 mile manufacturer warranty to 4 year/80,000 miles, whichever comes sooner.

    All cover options include the following features:
    All major mechanical and electrical parts cover we list parts that are not covered, you are covered for everything else.
    Full parts and labour cover we pay the full costs of genuine Volvo parts and labour time required to fit them.
    Claim limit is unlimited the only limit to the amount you can claim is the price you paid for the vehicle.
    Available at any time up till 3 years/60,000 miles if you choose not to buy at time of purchase of new vehicle, you can purchase later but prices may vary.

    All cover options include the following additional benefits:
    Recovery charges covers costs attached to recovering your vehicle to the nearest authorised repairer.
    Replacement vehicle keeping you mobile in a ‘like for like’ vehicle.
    Overnight hotel expenses helping with unexpected expenses.
    Emergency travel helping you to get to your final destination.
    Continental use ensures you are covered whilst travelling in Europe.
    Consequential damage helping cover costs on non-covered items and personal possessions.

    For more information and prices, please contact your Volvo Dealer .

    Volvo Car UK Limited authorised and regulated by the Financial Conduct Authority under firm reference number 678616 for credit broking. Copyright 2017 Volvo Car Corporation (or its affiliates or licensors).

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    17/10/2017

    Posted In: NEWS

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