Cheap Travel Insurance

Adventure Travel Insurance

olivia — Fri, 05 Apr 2013 18:33:22 +0000

If you’re an active and adventurous traveler who likes to do things like bungee jump, skydive, mountain bike, or any other number of adrenaline fueled activities, you’re going to need to look deeper into the various policies on offer.

We recommend iHi Bupa Travel for adventurous travelers.

But we know that everyone has different needs, and our online insurance guide compares several different companies and offers you a way to quickly compare different policy options and select the one that’s best for you. Our travel experts are also available to help answer any questions you might have about the always exciting world of travel insurance.

Some want to add trip protection in case of any unforeseen problems with things like flights and lost luggage, especially if you’re traveling with expensive gear

Travel Medical Insurance

admin — Sat, 21 Nov 2009 12:25:33 +0000

Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

		International citizens	US citizens		Great for Adventure Travelers!
Plan Name	World Nomads	Patriot America	Patriot International	Travel Select	ihi Bupa Single Trip or Annual Travel Insurance
Company	World Nomads Travel Insurance	International Medical Group	International Medical Group	Travelex Insurance Services	ihi Bupa Travel
Best for	Backpackers and families	Over 65	Over 65		Adventure travelers
Purchase
Underwriter	A Rated insurers including Jefferson or BCS Insurance Company, depending on your state, Arch Capital Group, ihi BUPA, certain underwriters at Lloyds or Chartis depending on your country of residence.	Sirius International – Rated A (excellent) by A.M. Best	Sirius International – Rated A (excellent) by A.M. Best	Stonebridge Casualty Insurance Company – AM Best Rating A- (Excellent)	ihi Bupa Travel, a member of Bupa Group, rating Api
Available To	International citizens traveling outside home country, USA residents traveling over 100 miles from home & Canadian residents traveling out of province.	International citizens traveling outside home country	US citizens – traveling abroad	US Residents	All Nationalities
Medical Expenses	$100,000 to unlimited coverage depending on country of residence	$50,000 up to $1,000,000 Per Person age 70 – 79 $50,000 Maximum age 80+ $10,000 Maximum	$50,000 up to $2,000,000 Per Person age 70 – 79 $50,000 Maximum age 80+ $10,000 Maximum	$50,000 per person	Unlimited coverage More coverage details
Pre-existing Conditions	No Coverage	No Coverage	$15,000 Medical/$25,000 Evacuation coverage for sudden recurrence of a Pre-exisitng condition when outside US	Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions	Pre-existing medical conditions are excluded – However, a pre-existing conditions application is available to send in for underwriting review and possible approval.
Emergency Evacuation Learn more	$500,000 to unlimited coverage, depending on your country of residence	Up to Policy Maximum when coordinated through IMG	Up to Policy Maximum when coordinated through plan administrator	$500,000 per person	Unlimited coverage
Repatriation of Remains	$10,000 to unlimited coverage depending on your country of residence	Up to $50,000 – when coordinated through plan administrator	Up to $50,000 – when coordinated through plan administrator	Included in Emergency Evacuation	Unlimited coverage
Emergency Reunion	Cover for a relative or friend to visit you in hospital or accompany you home. Limits depend on your country of residence and the circumstances.	$15,000 – maximum 15 days for friend or relative’s travel expenses should you require Emergency Medical Evacuation	$15,000 – maximum 15 days for friend or relative’s travel expenses should you require Emergency Medical Evacuation	If traveling alone and hospitalized 7 days or more. Provides transportation for friend or relative to be with you	Compassionate Emergency Visit coverage
Accidental Death & Dismemberment Learn more	$10,000 to $75,000 depending on your country of residence	$25,000 Per Person Optional increase of $100,000 to $400,000 available	$25,000 Per Person Optional increase of $100,000 to $400,000 available	$25,000 per person	No coverage
Flight Accident	Included in medical and accidental death benefit limits	$50,000 (included in Common Carrier)	$50,000 (included in Common Carrier)	Upgrade available in Optional “Transportation Pak” – $200,000 per person ($1 Million maximum plan limit) – as confirmed on your confirmation of coverage letter	No coverage
Trip Cancellation	Up to $10,000 depending on your country of residence	No Coverage	No Coverage	100% Trip Cost	No coverage
Trip Interruption	Up to $10,000 depending on your country of residence	Up to $5,000 for economy return ticket for death of your immediate family member while traveling	Up to $5,000 for economy return ticket for death of your immediate family member while traveling	150% of Trip Cost $1,000 Per Person for $0.00 Trip Cost Insured / Post Departure Coverage	No coverage
Trip Delay	Policy conditions depend on your country of residence	No Coverage	No Coverage	$750 Per Person – if delayed 5 hours or more	No coverage
Sports & Hazardous Activities	Cover for wide range of Adventure Sports	Leisure Sports Rider avialable Extreme Sports Rider available	Leisure Sports Rider avialable Extreme Sports Rider available	Available in Optional “Active Family Pak” or “Adventurer Plus Pak”	No coverage
Lost Baggage	Up to $2500 depending on your country of residence	$50 per item up to $250 maximum (while in the possesion of a Common Carrier)	$50 per bag up to $250 maximum (while in the possesion of a Common Carrier)	$1,000 per person / up to $300 per article	No coverage
Baggage Delay	No Coverage	No Coverage	No Coverage	$250 – 12 hour minimum delay for lost or misdirected baggage	No coverage
Supplier Bankruptcy/Default	No Coverage	No Coverage	No Coverage	Coverage begins 14 days after policy effective date.	No coverage
Labor Strike	No Coverage	No Coverage	No Coverage	Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hours	No coverage
Terrorism	Policy conditions depend on your country of residence	Included – up to $50,000	Terrorism rider available for 25% additional premium (medical coverage only)	This benefit only applies if the plan has been purchased within twenty-one (21) days of your initial trip payment or deposit.	Accidents from Terrorist Acts are covered. War Risk coverage for Iraq and Afghanistan available. Please call for details.
Rental Car Insurance	No Coverage	No Coverage	No Coverage	Available in Optional “Transportation Pak” – up to $35,000 damage protection	No coverage
Travel Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance	Included	24-hour emergency service: IHI Assist.
Special Features	* Buy, extend and claim online from anywhere in the world * Purchase whilst away from home * Free specialist safety alerts and advice, travel Q&A service, travels journals and language guides	Home Country Coverage available for International Citizens visiting their home country (select Patriot Return Rider)	Instant on-line fullfillment	Children under age 21 can be protected at no additional cost when accompanied by a covered adult family member. Maximum trip cost $10,000.	A Pre-existing conditions application is available to submit to underwriting for possible approval
Length Of Coverage	2 days up to 12 months, depending on country of residence. Unlimited extensions.	10 days to 12 months	10 days to 12 months	Max trip length: 180 days	up to 365 days
Over 65 Travel Insurance	No	Yes	Yes	Yes	No
Purchase

Trip Protection Insurance

admin — Sat, 21 Nov 2009 12:20:51 +0000

Trip Protection plans typically reimburse your non-refundable travel expenses if an unexpected crises
(e.g., death, sickness, airline strike, travel company bankruptcy, among other crises) occurs before or during your trip causing it to be canceled, interrupted or delayed. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

Compare plan benefits
Plan Name	Travel Guard – Basic	Travel Basic	Travel Guard – Great Outdoors – (US & CA)
Company	Travel Guard Chartis	Travelex Insurance Services	Travel Guard Chartis
Purchase
Underwriter	American Home Assurance Company, member of — A.M. Best Rating A++	Stonebridge Casualty Insurance Company – AM Best Rating A- (Excellent)	National Union Fire Ins Co Pittsburgh PA A.M. Best Rating – “A” (Excellent)
Available To	US & Canadian Residents	US Residents	US Residents
Coverage Area	Worldwide	Worldwide	Worldwide
Individual Pricing*	from $75	from $68
Family Pricing**	from $178	from $102
Trip Investment Coverage
Plan Name	Travel Guard – Basic	Travel Basic	Travel Guard – Great Outdoors – (US & CA)
Trip Cancellation	100% of the Trip Cost	100% of Trip Cost	100% of Trip Cost
Trip Interruption	Up to 100% of the Trip Cost. $0.00 Trip Cost = $500 Return Air Only (Forfeited, non-refundable, unused prepaid trip payments are covered)	100% of Trip Cost	100% of Trip Cost
Trip Delay	$500 per person – $100 per day – Covered after 12 hour delay Missed connection not covered (after 24 hours)	$500 Per Person – if delayed 5 hours or more	$1500 Per Person – $150 per day per individual – if delayed 5 hours or more
Terrorism	Covered if a terrorist incident occurs in a City listed on the insured’s itinerary within 30 days of the insured’s scheduled arrival.	Trip Cancellation or Interruption due to a Terrorist Event is not covered	Covered if a terrorist incident occurs in a City listed on the insured’s itinerary within 30 days of the insured’s scheduled arrival.
Supplier Bankruptcy/Default	No Coverage Provided, See Policy Details	Coverage begins 14 days after policy effective date.	This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit 14 day waiting period.
Hurricane/Weather	Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours Purchase must occur BEFORE storm is named.	This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit 14 day waiting period	Inclement weather causing delay or cancellation of travel – Purchase must occur BEFORE storm is named.
Labor Strike	Strike resulting in complete cessation of travel services at the point of departure and destination	Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hours	Strike resulting in complete cessation of travel services at the point of departure and destination.
Purchase
Health Coverage
Plan Name	Travel Guard – Basic	Travel Basic	Travel Guard – Great Outdoors – (US & CA)
Medical Expenses	$10,000 per person – Additional $20,000 added if Optional Benefit Upgrade is selected at purchase – secondary coverage pays after other Primary Collectible Insurance has paid	$15,000 Sickness Expenses and $15,000 Accident Expenses – Primary Coverage	$25,000 per person – Primary Coverage – $50,000 if Medical Upgrade is selected at time of purchase
Deductible	$50 deductible	$50 Deductible	None
Coinsurance	None	None	None
Emergency Evacuation	$100,000 per person – Evacuation to nearest adequate medical facility or home if medically required	$100,000 Per Person	$500,000 per person – Primary Coverage – $1,000,000 per person when Medical Upgrade option is selected at time of purchase.
Emergency Dental	$500 – Emergency Dental Treatment	Up to $750 – accidental injury to sound natural teeth	$500 – Emergency Dental Treatment
Sports & Hazardous Activities	Medical coverage for participation in amateur organized sports is included – (professional sports, motor sports, motor racing, and mountain climbing are excluded)	Bodily contact sports, hazardous sports and participation as a professional in athletics excluded. Exclusion does not apply to trip cancellation. See plan details	No Exclusions for Hazardous Sporting Activities.
Pre-existing Conditions	Subject to 180 day look back period	No Coverage – Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions.	Subject to 180 day look back period. Pre existing condition “Waiver” applies if this insurance is purchased within 15 calendar days of the “initial trip payment” and full pre-paid trip cost is insured.
Repatriation of Remains	Included in Emergency Evacuation	Included in Emergency Evacuation	Included in Emergency Evacuation
Emergency Reunion	No Coverage Provided, See Policy Details	No coverage	Round-trip Economy Transportation for a person of your choice to visit you if you are traveling alone and hospitalized more than 7 days.
Purchase
Property Coverage
Plan Name	Travel Guard – Basic	Travel Basic	Travel Guard – Great Outdoors – (US & CA)
Lost Baggage	$500 per person-includes lost, stolen, or damaged luggage or travel documents – $50 deductible applies	$500 per person / $300 per article	$2,500 – Covers Your Sports Equipment and Personal Effects – See Policy for Details
Baggage Delay	$100 per person – if baggage is delayed or misdirected for more than 24hrs	$100 if baggage is delayed or misdirected for more than 12 hours	$1,500 Per Person – Sportsman Equipment delayed or misdirected for more than 12 hrs.
Rental Car Protection	No Coverage	Transportation Pak upgrade available – as confirmed on your confirmation of coverage letter	Optional Car Rental Collision Coverage – Available at time of purchase. $35,000 Coverage – $250 deductible
Purchase
Accidental Death Coverage
Plan Name	Travel Guard – Basic	Travel Basic	Travel Guard – Great Outdoors – (US & CA)
Accidental Death & Dismemberment	No Coverage	No coverage	$10,000 Per Person
Flight Accident	No Coverage	Upgrade available in Optional Transportation Pak $200,000 – as confirmed on your confirmation of coverage letter	Optional coverage may be selected at time of purchase. Up to $500,000 per person available.
Common Carrier Accident	No Coverage	No coverage	$10,000 included in regular AD&D Benefit
Purchase
Additional Plan Features
Plan Name	Travel Guard – Basic	Travel Basic	Travel Guard – Great Outdoors – (US & CA)
24-Hour Emergency Assistance	24-Hour “Live Travel” Assistance	Included	24-Hour “Live Travel” Assistance
Special Features	Lower cost plan equals lower benefits. No pre-existing medical condition waiver available, no bankruptcy protection.	Children under 18 are covered at no additional cost. Children must be related to the primary insured. Exclusions for Pre-Existing Conditions do not apply to Non Traveling Family Members	Sports Equipment Delay – $1,500 Per Person – if equipment is delayed or misdirected for more than 24hrs.
Length Of Coverage	Maximum Trip Length 365 Days	30 days	Maximum Trip Length 365 Days
Administration Fee	$6.00	$8.00	$6.00
Money Back Guarantee	15 days	10 days after purchase	15 free look period. Non-refundable after 15 days.
Credit Cards Accepted	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover
Purchase

*Individual price quotes based on one US resident under 30-year-old traveler on a $2,500 2-week vacation with no additional add-on coverage, March 2010.
**Family price quotes based on two US resident 40-year old travelers & two under 17 travelers on a $5,000 2-week vacation with no additional add-on coverage, March 2010.

Emergency Evacuation Insurance

admin — Sat, 21 Nov 2009 12:03:25 +0000

Not all medical facilities were created equal. Depending on the plan, Emergency Medical Evacuation insurance covers the cost of transporting a seriously injured or ill person. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

Plan Name	MEDJET Assistance	TravelGap Voyager
Company	MEDJET Assistance	HTH Worldwide
Purchase
Underwriter	Lloyd’s of London	HM Life Insurance Company, Pittsburgh, PA – AM Best Rating A- (Excellent)
Available To	US and Canadian residents and expatriates	US Residents (available in 37 States + DC) age 74 and younger
Medical Expenses	Not Covered	Max $1,000,000 through age 74
Pre-existing Conditions	NOT Excluded	Unstable Pre-existing conditons are not covered. Subject to a 180 lookback period. Pre-Existing Conditions are covered under the Medical Evacuation Benefit, the Repatriation of Remains Benefit and the Bedside Visit Benefit
Emergency Evacuation	Unlimited transport to the hospital of your choice	$500,000
Repatriation of Remains	No Maximum. Remains returned to member’s place of residence	$25,000
Emergency Reunion	Travel companions may accompany member on MEDJET flights	Bedside Visit: $1500
Accidental Death & Dismemberment	None	$25,000 – 24 hour while on a covered trip
Flight Accident	N/A	$25,000 – 24 hour while on a covered trip
Trip Cancellation	Not Covered	N/A
Trip Interruption	Not Covered	N/A
Trip Delay	Not Covered	N/A
Sports & Hazardous Activities	See Details	$10,000 Max for downhill (alpine) skiing and scuba diving
Lost Baggage	Not Covered	N/A
Baggage Delay	Not Covered	N/A
Supplier Bankruptcy/Default	Not Covered	N/A
Labor Strike	Not Covered	N/A
Terrorism	Not Excluded	Medical coverage for injury due to terrorist act
Rental Car Insurance	Not Covered	N/A
Travel Assistance	Not Included	24 Hour Emergency Medical Assistance
Special Features	MEDJET will fly you to the hospital of your choice at no charge	Worldlwide Elite Doctor Network, City Health Profiles & Prescription Drug Translation Guide
Length Of Coverage	Maximum Trip Length 365 Days	7 days to 6 months New policy may be purchased after 6 months subject to new deductibles and pre-existing conditions.
Purchase

Accidental Death Insurance

admin — Sat, 21 Nov 2009 12:01:02 +0000

Accidental death and dismemberment insurance, known as AD&D insurance, pays you, or your beneficiary (or your estate if you do not name a beneficiary) a lump sum benefit (e.g., $500,000) when an accident results in your death or the loss of a limb or the loss of your eyesight. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

Plan Name	Annual Travel Accident Elite	Single Trip Travel Accident Elite
Company	Insuractive	Insuractive
Purchase
Underwriter	UNITED STATES FIRE INSURANCE COMPANY Rated A Excellent by AM BEST	UNITED STATES FIRE INSURANCE COMPANY Rated A Excellent by AM BEST
Available To	US Residents Only	US Residents Only
Medical Expenses	Not Covered	Not Covered
Pre-existing Conditions	Not Covered	Not Covered
Emergency Evacuation	$10,000	$10,000
Repatriation of Remains	$10,000	$10,00
Emergency Reunion	N/A	Not Covered
Accidental Death & Dismemberment	Up to US$1 Million (Common Carrier Only)	Up to US$1 Million (Common Carrier Only)
Flight Accident	Up to US$1 Million	Up to US$1 Million
Trip Cancellation	Not Covered	Not Covered
Trip Interruption	Not Covered	Not Covered
Trip Delay	Not Covered	Not Covered
Sports & Hazardous Activities	Not Covered	Not Covered
Lost Baggage	Not Covered	Not Covered
Baggage Delay	Not Covered	Not Covered
Supplier Bankruptcy/Default	Not Covered	Not Covered
Labor Strike	Not Covered	Not Covered
Terrorism	Covered unless weapons of mass destruction are used	Covered unless weapons of mass destruction are used
Rental Car Insurance	Not Covered	Not Covered
Travel Assistance	24 Hour Worldwide Travel Assistance	24 Hour Worldwide Travel Assistance
Special Features	For all ages 18 and over	For all ages 18 and over
Length Of Coverage	Annual coverage for unlimited trips up to 185 days	Single round-trip up to 185 days
Purchase

Expat Insurance – Global Insurance Benefits

admin — Sat, 21 Nov 2009 12:00:37 +0000

If you plan on living abroad for a certain length of time, then your needs are different from backpackers or families.

We recommend Global Insurance Benefits, which cover individual expatriates and their families, as well as employees working abroad on assignment, international organizations, missionaries, and others living or traveling internationally who need annually renewable insurance. US citizens must reside abroad for at least 6 months out of the year to be eligible.

Compare the different expatriate plans available via the matrix below and use the links at the bottom to check prices.

Plan Name	Silver Global Medical Insurance	Gold Global Medical Insurance	Platinum Global Medical Insurance
Company	International Medical Group	International Medical Group	International Medical Group
Purchase
Underwriter	Sirius International – Rated A (excellent) by A.M. Best	Sirius International – Rated A (excellent) by A.M. Best	Sirius International – Rated A (excellent) by A.M. Best
Available To	All Nationalities. U.S. citizens must reside abroad for at least six months	All Nationalities. U.S. citizens must reside abroad for at least six months	All Nationalities. U.S. citizens must reside abroad for at least six months
Medical Expenses	$5 Million (lifetime) Hospitalization = $600 per day (maximum of 240 consecutive days per covered event) ICU = $1,500 per day (maximum of 180 consecutive days per covered event)	$5 Million lifetime per individual	$8 Million lifetime per individual
Pre-existing Conditions	$5,000 per period of coverage up to $50,000 lifetime – Available after 24 months of continuous coverage	$5,000 per period of coverage up to $50,000 lifetime – Available after 24 months of continuous coverage	Covered same as any illness
Emergency Evacuation	$50,000 per period of coverage – not subject to deductible or coinsurance	Limited to policy maximum – not subject to deductible or coinsurance	Limited to policy maximum – not subject to deductible or coinsurance. Political Evacuation is also covered but limited to $10,000 lifetime maximum
Repatriation of Remains	$25,000 – not subject to deductible or coinsurance	$25,000 – not subject to deductible or coinsurance	$50,000 lifetime maximum per insured – not subject to deductible or coinsurance
Emergency Reunion	Not Covered	$10,000 – lifetime maximum	$10,000 lifetime maximum
Accidental Death & Dismemberment	Global Term Life Insurance is available with no additional underwriting	Global Term Life Insurance is available with no additional underwriting	Global Term Life Insurance is available with no additional underwriting
Flight Accident	Not Covered	Not Covered	Not Covered
Sports & Hazardous Activities	Amateur, Professional, or Hazardous Sports excluded – Recreational Scuba and Skiing are covered – See Policy Details	Amateur, Professional, or Hazardous Sports excluded – Recreational Scuba and Skiing are covered – See Policy Details	Amateur, Professional, or Hazardous Sports excluded – Recreational Scuba and Skiing are covered – See Policy Details
Terrorism	Not Covered	Not Covered	Not Covered
Travel Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance
Special Features	Extended Care – limited to first 30 days of confinement Radiation Treatment – URC Home Nursing Care – limited 30 days per covered event Hospice Care – limited 30 days per covered event Prosthetic Devices – all URC	$1 million (lifetime) for transplants / $50,000 (lifetime) for maternity after 12 months of continuous coverage has past	Vision coverage included – Exams – up to $100 per 24 months Materials – up to $150 per 24 months
Length Of Coverage	365 days (annually renewable)	365 days (annually renewable)	365 days (annually renewable)
Purchase

For more on becoming an expat, check out the following articles:

Backpacker Travel Insurance

admin — Sat, 21 Nov 2009 10:45:23 +0000

If you’re a backpacker, we’ve made it easy for you to find the travel insurance plan that is right for you. Tops on our list of recommendations for backpackers is World Nomads. You can use the quick quote calculator for World Nomads travel insurance below.

Most backpackers are on a budget, so they must decide which policies are worth it and how much risk they are willing to take. Some only get a policy that has emergency medical service for worst case scenarios. Some want to add trip protection in case of any unforeseen problems with things like flights and lost luggage, especially if you’re traveling with expensive gear (World Nomads has a trip protection policy built into their medical insurance). If you’re a backpacker who is also into adventure sports, check out our Adventure Traveler Insurance page.

Travel has risks, and everyone has their own opinions on how much risk they are willing to take. It’s important to educate yourself before making your decision and look into all your options, no matter if you’re going on a one week backpacking trip or a multi-year round the world adventure.

If you want more in depth information about travel insurance, check out the following articles:

Buy Backpacker Travel Insurance

ihi Bupa International Travel Insurance

admin — Sat, 21 Nov 2009 10:39:14 +0000

Unlimited medical and evacuation coverage for travel outside of your resident country. This plan also provides coverage if you are mountain climbing, trekking above 4500 meters, participating in professional or amature athletics, bungee jumping, scuba diving, ATVs, Mopeds, Minibikes or anything else you might think of. The only exclusion is motor racing.

ihi Bupa International Travel Insurance	USD	EUR	CHF	GBP
Maximum cover per person per trip	Unlimited	Unlimited	Unlimited	Unlimited
Hospitalisation	100%	100%	100%	100%
Outpatient treatment by a doctor/specialist	100%	100%	100%	100%
Prescribed medicines	100%	100%	100%	100%
Prescribed treatment by a physiotherapist/chiropractor	2,500	2,000	3,400	1,375
Provisional pain-stilling dental treatment	200	165	270	110
Ambulance transportation	100%	100%	100%	100%
Medical Evacuation/Repatriation	100%	100%	100%	100%
Return Trip	100%	100%	100%	100%
Compassionate Emergency Repatriation	100%	100%	100%	100%
Next-of-Kin Accompaniment	100%	100%	100%	100%
Compassionate Emergency Visit	100%	100%	100%	100%
Board, lodging and local transport for a person summoned or accompanying the insured, per person per day	300	250	400	165
Statutory arrangements in case of death	100%	100%	100%	100%
Home transportation of the deceased	100%	100%	100%	100%

ihi Bupa Travel Insurance. You will feel safe when travelling.

You’ll get unlimited cover for treatment of illness and home transportation as well as a team of professionals who are always there to help you – regardless of where you are in the world. For over 30 years international health and travel insurance has been ihi Bupa’a specialty.

Our medical consultants and nurses are always at your disposal via e-mail, telephone or Webchat. ihi Bupa Travel Insurance offers the best possible protection if you have a sudden, unexpected illness or injury when travelling. In case you need to see a doctor, or if you are hospitalized, ihi Bupa will help you in any way possible.

ihi Bupa is one of the leading health and travel insurance companies in the world. Its own emergency service, ihi Bupa Assist, is open 24 hours a day – 365 days a year and is always there to give you professional advice and assistance – no matter where you are.

You can choose a travel insurance which covers one single trip – ihi Bupa Single Trip – or you can choose to be covered all year round on all your trips abroad, for up to one month per trip, with ihi Bupa Annual Travel. In both cases, with an ihi Bupa Travel Insurance plan in your pocket, you are guaranteed the following advantages:

ihi Bupa’s own Medical Centre (24-hour emergency service).
Direct payment of all hospital bills.
Free choice of doctors and hospitals.
Access to ihiBupa’s medical consultants.
Free cover of children under the age of two.
24-hour emergency service.
Professional and efficient reimbursement service.
Worldwide cover during all types of travel: leisure, study and business.
No restrictions on hazardous sports or occupations (except motorsports)
Even accidents resulting from terrorist acts are covered.
With the annual travel option you get access to your personal website myPage on ihi Bupa website where you will find your policy documents, recent claims and health and wellbeing services.
Click here for pre-existing medical conditions review application

War Zone coverage is accepted as long as your not an active participant in the War. Faxed applications and company approval needed for coverage in Iraq or Afghanistan. 300% premium loading will apply for those countries. Click here for application. Fax to +1-402-343-9959

Eligibility
Citizenship: All Nationalities
Coverage Area – Outside of your resident country
Age: Up to 79
Max Trip Length: 365 days

Family Travel Insurance

admin — Sat, 21 Nov 2009 10:30:25 +0000

For traveling families, we have made it easy to try and choose the best travel insurance plan that will protect you and your loved ones from any unexpected event or accident. Out of the companies we have worked with, we recommend World Nomads for families. You can use the quick quote calculator for World Nomads travel insurance below.

We realize that everyone has different needs, so we built this online insurance guide that offers you a way to quickly compare different policy options and to select the one that’s best for you. Our travel experts are also available to help answer any questions you might have.

We all know travel has risks, from missed or canceled flights to lost luggage, which is why trip protection exists separately from travel medical insurance (World Nomads has a trip protection policy in their medical insurance option). There are lots of different policies out there for both, and what might have been good for you as a 20-year-old backpacker might not work as you tow the kids behind you.

It pays to be covered, and everyone has their own opinions on how much risk they are willing to take. You probably aren’t willing to take as many risks with your family as you were years ago, but it still pays to be educated in the world of travel insurance. We’ve done a lot of the homework for you, so read up and choose the policy that’s best for you.

If you want more in depth information about travel insurance and family travel, check out the following articles and resources:

When to Buy UK Travel Insurance

admin — Sat, 21 Nov 2009 09:25:09 +0000

Generally speaking, it’s advisable not to go on a vacation in the UK without being covered by travel insurance. In the worst case scenario, the insurance will make your life easier by offering coverage for the ensured risk. Otherwise, you just spent little more money on your vacation.

What type of travel insurance should I choose when traveling to UK?

There are 5 major types of travel insurance available. However, medical insurance usually covers medical assistance, accident and evacuation. The benefits differ from company to company so make sure to know what you choose before paying for it. Ideally, you should be covered for: trip cancellation, medical assistance, emergency evacuation and travel accident.

When should I buy the insurance?

Technically, you should buy the policy 14-21 days prior to departure. Practically, after you have booked your accommodation and arranged for transportation, make sure to buy your travel insurance as well.

What if I am a European Union member?

If you reside in an EU country, some benefits may be covered by your national insurance In other words, if you pay a medical insurance in your country and it says you are covered in the entire EU, then you won’t need another travel medical insurance. Fewer than 60 countries actually have reciprocal healthcare agreement with the UK so do your homework before you assume anything. Plus, coverage varies from country to country (i.e. a Romanian or Bulgarian citizen may not be covered at all, while a French citizen may be fully covered).

Needless to say, make sure to have the proof with you all the time (which is usually a card with your name and personal identification number).

However, you will need to be covered for trip cancellation.

What if I am pregnant?

Most airlines and travel insurance companies impose restrictions in such cases. Generally, you can travel without a problem until week 28 but between weeks 28 and 36 the expectant mother needs a doctor’s certificate to prove she is fit to fly. Most companies will cover a pregnant woman for up to 28 weeks but make sure to ask for details before buying the travel insurance.

What should I take into account when I decide to buy or not travel insurance?

The shortest answer would be: take into account the worst case scenario and act accordingly.

Otherwise, you can go by the following rules:

Flights to get canceled. Whether we are talking about an airline strike, bad weather or the airline going bankrupted, flights get canceled. And it has happened in the UK as well. Your airline might offer to help but if you fly on a low-cost carrier, chances to get any benefits are very slim. So the best way to avoid problems is to buy trip protection (cancellation) insurance.

Terrorist attacks. After 9/11 the world was stunned. Europeans assumed they were safer but the terrorist attacks in Spain in 2004 and the ones in London the following year, made us all realize that Europe is not exactly untouchable. Flight (travel accident) insurance protects you against such cases and in the unfortunately event that something bad, other than terrorist attacks, happens to your flight.

Sports and outside activities. Do you travel to the UK for practicing some exciting sports? If so, make sure to be covered by both medical insurance and emergency evacuation insurance (in many cases these come in a package). In the event you become seriously injured you will be transported to the nearest adequate medical institution (even the one you requested in many cases).

However, many travel insurance companies exclude sports considered “dangerous” (i.e. motor biking, horseback riding). Make sure the policy covers the sport you are planning to practice.

Acts of God and natural events. The type of natural events covered by the policies varies from company to company. Since you won’t have problems with hurricanes or tornados in the UK, you may need help in case of an earthquake, for example.

You travel often to the UK. If you are a frequent traveler, whether for business or leisure, buying an annual multi-trip insurance saves you money and time.