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France, Europe, Worldwide
Travel Insurance
TRAVEL THE WORLD KNOWING THAT YOU ARE
PROTECTED!
PLEASE
TAKE A FEW MINUTES AND READ THIS IMPORTANT INSURANCE INFORMATION |
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This is information that you need to know about
travel and your need for Travel Insurance today. And why you should always make it a part of
your travel expenses especially traveling abroad. The likelihood that something may happen to you while on a trip,
is unlikely. However, if even the smallest
problem occurs, a fall that breaks an arm or a leg, a car accident, nothing serious but it becomes a big problem when you seek
medical attention. Even worse, if someone should die while
abroad, is a very serious problem, let alone the
paperwork involved. Know this....your U.S.
insurance company doesn't cover you while traveling
abroad unless you have travel insurance included in your health
insurance policy, and you'll have to deal with that upon your
return home. This is a fact of
life today, and you need to be protected when
traveling anywhere, even within the US!
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Travel Guard Protection Worldwide 2011
Click for
a Free Quote Now or Call for a Free Quote 1-888-666-7279
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► What you should know about
travel insurance.
►
What's needed, what isn't needed travel insurance
basics.
► Particular types of coverage needed while traveling to
another country.
► Insurance coverage types that are a waste of money, and certainly don't benefit you.
► What if you get sick, break an arm or leg or worse while
traveling abroad?
► Free articles
on traveling to another country - click for selections.
► What if you do have an emergency situation in a foreign country - you
need to know.
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Reasons you need insurance
are: a travel mishap, stolen purse/wallet, a major catastrophe
including mother nature [True
Story]. |
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Why You Need Travel Insurance
Everywhere Worldwide
Heaven forbid, if the accident is serious, or
even a heart attack,
and you need to be flown back home immediately for further
treatment after being stabilized. Well these things do
happen, the odds are low, but can you afford to take that
chance? The answer is NO! 2010 was the perfect
example of disaster while traveling. The volcano erupted,
and 10s of thousands of people were left stranded without a
hotel, without transportation, it was nightmare. Then
there were the European airline strikes, and European air
controller strikes, that again totally throwing travel into a
dizzy for people from every country traveling in/out of northern Europe.
Travel insurance is a necessity
especially when traveling to
another country, so it is best to automatically consider it a
part of your travel expenses. Travel Insurance is CHEAP!
When you consider all of the benefits that you get from it, it
is a small price to pay for the secure feeling of being
protected. Please read the following info, if you
think this cannot happen to you, and then you'd better think again!
Travel
Guard has a plan for seniors 70 and
older, where you will get the best benefits available, and yet
not pay the highest amounts for senior travel insurance.
This is most important, because as we grow older we're likely to
have more health problems, falling and breaking something, and
we shouldn't have to pay more for these services but most
travel insurance companies do charge more for
senior citizen travel insurance.
You’ll find the best travel
insurance packages to suit your needs at Travel Guard Insurance. From
single trip coverage for individuals, families or groups, to multi-trip annual travel insurance policies for regular travelers, we
offer a range of competitive products including backpacker
insurance for extended trips and our Travel Guard option that
provides a higher level of travel insurance cover. Travel Guard
Insurance is here to give you outstanding value wherever your
travels may take you. |
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What you should know about
travel insurance
This is similar in context as 'what you should know about food'.
Well, it's somewhat complicated in general, but very simple if
you know the basics, and in the case of travel insurance -- it
is a matter of knowing what the travel insurance plan really
will do for you -- what is and what isn't covered. That is
the single most important equation in buying travel insurance.
Travel Guard Insurance overall is very reasonably priced, and we
have several plans to cover your particular needs.
Realistic scenarios and why you need travel insurance -
what does your insurance cover?
1. I'm only going on a high school graduation trip to
Europe; I'm young and healthy, I never get sick; and even if I should sprain an ankle -- what's the big deal?
2. I'm only going to Mexico or Canada after all, I'm
close enough to home if I have a problem, right?
3. Travel insurance is certainly cheap enough, and it
wouldn't hurt to get it, but I'll pass this time!
4. You've decided that it is a good idea to buy some travel
insurance after all, and the travel insurance web site said that you are fully covered for everything!
Well, I am covered for everything...right?
5. In 2010 tens of thousands of people are stranded in northern
Europe, without hotels, without
transportation because of the volcano eruption, are you going to be one of those
in 2011?
6. In 2010 proved a record number of airline strikes, and air
controller strikes in northern Europe
again stranding thousands of people, do you really want to be
one of those persons?
Well...the above scenarios may make sense to the person thinking
them, and the odds are that you won't have any problems on your
trip to another country [this does include travel to Canada or
Mexico from the US]. You're still thinking in the back of you mind
that you really don't need travel insurance. What are the odds
after all - pretty big odds that nothing will occur while your
on a trip? Anyway, you have flight insurance!
Well...that's where you'd better read the fine print and start
asking some questions. Because you are not covered for
'everything with every travel insurance policy! After all, the
travel insurance coverage that will or will not cover you, to take care of any type emergency that could arise while on your
trip - is for you! So check it out! read on....
Why Should You buy Insurance . . . these are some of the
main reasons why -
There are hundreds of circumstances that could cause clients to
cancel their trip, return home early or force you to seek
emergency medical treatment while traveling. To demonstrate the
importance of purchasing travel insurance, and emergency travel
services, here are 10 common examples of what could go wrong for
your clients:
1. It's 10 p.m. and you and your immediate family arrive at the
airport for a connecting flight, only to find that your flight
has been cancelled. Who can assist you with finding new flights
to get everyone home?
2. Your bag was lost with your insulin inside. You need help to
locate your bag as soon as possible and have your emergency
prescription filled. Who do you call?
3. Your first visit to Europe, and your passport and wallet are
stolen. Where do you turn for emergency cash, and how will you
get your passport replaced?
4. You're involved in an accident and adequate medical treatment
is not available. Who will help arrange and pay for a medical
evacuation?
5. If your sister-in-law becomes seriously ill and you must
cancel your trip, what happens to your non-refundable deposits
or pre-payments?
6. You arrive in Jamaica and your luggage doesn't. If it's lost,
who will help you find it? If it's delayed, who will pay for
your necessities? If it's stolen, who will pay to replace it?
7. Your cruise line, airline or tour operator goes bankrupt. Who
will pay for your non-refundable expenses? Who will help get you
to your destination?
8. You're walking down a street in Rio and twist your ankle. Who
can help you find an English-speaking physician?
9. Three weeks before your scheduled arrival, a terrorist
incident occurs in the city to which you are planning to visit.
Who will pay if you want to cancel your trip?
10. You are at a beach resort in North Carolina, and you are
forced to evacuate due to an approaching hurricane. Can
you cancel your trip, and who will
help you evacuate and who will reimburse your lost vacation
investment?
Certain restrictions apply.
What's needed, what isn't needed travel insurance
basics
Your personal medical Insurance overall does not cover you when
you leave your country of residence. There are exceptions,
but this is the first rule to follow, and that is contact your
medical insurance broker and find out exactly what is and is not
covered when your travel to another country. To further
elaborate -- it's also important to tell your medical insurance
broker exactly what countries that you'll be visiting. If
you are an US citizen, you definitely will not be covered by
travel insurance in a third world country, but you are with
this insurance program under the countries listed in the
coverage plans. Therefore, this is an important question to
ask your regular medical insurance person first, and then the travel
agent how your covered before you buy travel insurance. Find out
exactly what is and what isn't covered, and go from there to
augment
what you do need in the way of travel insurance.
Particular types of coverage that are
needed while traveling to another country
These are important questions to ask the travel insurance
company, they are needed in your coverage:
1. The number one question -- trip cancellation insurance. This can
be costly to you if you don't have it. If you've scheduled a trip or tour abroad, get this
immediately. If you're unable to go for any legitimate reason, you won't lose your trip transportation and accommodation
costs, and this coverage is included in specific plans - not all
plans. Check the details on this coverage!
2. The second most basic question is flight insurance - terms are fairly
standard in the industry, but did you know that the million dollar flight policy that you
bought, most likely will not pay your benefactor a million dollars if something happened to your flight?
3. Does this travel insurance cover
DVT
[deep-vein
thrombosis]
in
layman's terms it's known as 'class coach syndrome' or deep-vein
thrombosis? This syndrome occurs on long overseas flights; it is
very important information to know if you're covered? Normally this is an irritating and uncomfortable
situation, but on rare occasions - it can be fatal.
Exercise while flying will help, but, you can
prevent this from happening - if you're
aware of the condition and what to do to prevent it.
4. Does your travel insurance cover a sudden re-occurring conditions?
Or pre-existing conditions.
5. Does the policy cover emergency vehicle transportation, ambulances,
air transport back to the US? This is most important if
you had a heart attack, a serious accident and or a death
abroad.
6. Does the insurance cover emergency services? If I twist an ankle
or break an arm or leg will this be covered? What do I do, and how do I contact the
insurance company from abroad?
7. Does this cover doctors, dentists and hospitals in the country that
you are visiting?
8. If I'm in a serious accident, and need long term hospitalization, will
I be covered to be sent home?
9. Does my insurance cover special transportation back home in critical
situations?
10. Repatriation - if a illness or injury results in death, will
it pay for expenses for Repatriation of bodily remains or ashes to the country of
citizenship?
These are all important questions that you should know the
answer to before leaving home, and have all the information at
hand at all times while traveling. Our Insurance
partner covers all these issues and it will bring peace of mind
to you that all will be taken care of while abroad in case of an
emergency.
TOP▲
This terrible experience
terrified this traveler, besides losing all her valuable travel
items, and precious memories that should have been her travel
experience. I feel so badly for my client, at least
they had travel insurance, and she didn't think to
contact the insurance company - who will advance the traveler
cash. However, that doesn't replace the extreme violation
to your being, or loss of your personal items, cherished photos
and important travel documents. Not only that, these two
ladies had their first trip cancelled due to the Volcano
erupting and shutting down air traffic, so this was doubly
tragic to have this happen to this lady and her friend on top of
the other natural disaster. When you're carrying a purse,
or computer bag with a strap, even cross-body, this can happen
and these professional thieves know who the tourists as this is
their livelihood . . . . again be prepared. If they
can't see it, they won't bother with you!
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Hi Sharon-
Warning
We did go on the cruise at the end of Sept. The cruise itself was a joy ,
the places we visited
were beautiful, as were the local
folks living there. We did get to
Paris two days ahead of
time, and on the very first morning my entire purse was stolen as I was
boarding a train
at the Gare de Lyon in
Paris at 5:45 am. All I know for sure is that I had it and then when I sat down
and the doors
closed, I
didn't have it. The police said the thieves work in pairs and one bumps you on
one side of your body
and the other one
cuts the strap of your purse from behind....at l least that's
what they think
happened. I lost
all my money, credit
cards, drivers
license, cell phone, mini-camcorder, and camera ...... devastating....so we got money from the one and only casino
in Lyon the
day before
the cruise and went on with our plans . . . thank God my gal friend had a
zero balance on her
credit card and that the
casino would give her the cash we needed, because NO BANK
will do a cash advance, etc etc etc . .
.
Please warn all women to keep their purses cross-body, use a money belt,
AND keep hold of the strap in the front, just in case the
strap in back gets cut . :)
Thanks for great service and your caring -
Nancy
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