7 Good Reasons For Travel Insurance
For thousands of years, risks have been shared during times of tragedy. The first formal insurance company, Lloyd’s of London, was formed in 1769 and their principal concept remains today – to gather the premiums of clients as a pool of resources to return to clients who experience unexpected but covered events. So, that is the secret really, plan for the unexpected and make sure you’re covered, especially when you’re travelling. Whether your trip is a quick one or a round the world cruise, there are many good reasons for travel insurance. Here are just 7:
Medical Emergencies: If you fall sick or are injured during your travel, your travel insurance will give you financial coverage.
Flight Cancellations: If your flight is cancelled or delayed then your travel insurance should help. Depending on the cover available, a room for the night and even alternative travel home can be included.
Pre-existing Medical Conditions: Even if you have a pre-existing medical condition and it flares up while you’re on vacation, as long as you’ve advised your travel insurance company prior, you should be covered.
Damage or Loss Of Personal property – What are you going to do when your luggage gets stolen? Yes, it happens, all the time. There are organised gangs that work in airports doing just that. Guess what? You need travel insurance.
Loss of Cash or Traveller’s Cheques – You’re in a foreign country far from home. You either lose, or have stolen, your entire holiday fund. You’re going to need help and quick. Again, travel insurance is a must.
Emergency Evacuations – What with global warming and economic pressure more and more holiday destinations are being built in potentially dangerous territory. Who would have wanted to be in Thailand on that Boxing Day? Travel insurance will help if you have to get out quick.
Car Crash – It can be very difficult driving on the wrong side of the road in a strange country. Accidents happen.
Okay, there you have it. 7 good and solid reasons why you need travel insurance the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there’s an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on (insert for your favourite potentially dangerous sport here). That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
Allen Jesson
http://www.articlesbase.com/non-fiction-articles/7-good-reasons-for-travel-insurance-121230.html
I need to make a compliant about a doctor in our pratice,for reasons of travel insurance?
Back in april my husband went to the local gp for patches to stop smoking. while he was there his general health was discussed,he complained about feeling a bit tired but he is 77. Blood tests were run also an ecg. Nothing more was heard and as far as we were concerned there was no problems. In july I booked a holiday to usa, and of course took out Travel insurance. Two weeks ago we had a telephone call from the local hospital, cardiology department, they were doing a clinic for the overflow of backlog patients. We went to the appointment to be told that my husband had atrail fibrillation. Went to see a different gp in the practice, explained we had booked a holiday to the usa without being aware of a heart condition,she said you can complain.I rang the travel insurance company today to make them aware of my husbands condition and they said they would not charge because I was not aware of the condition at the time of taking out insurance. If I had to make a claim, going back into my husbands medical notes the referal was already done before I booked the holiday, and we knew nothing about it. Help this is driving me around the bend?
The point I am trying to make if the doctor had made us aware there was a problem,we wouldn’t have booked the holiday,and also a doctor is suppose to give a patient a choose of hospitals when making a referal.
a compliant?
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So, what is your question?
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I am so sorry that your husband is unwell, but I cannot see why you wish to complain about the Doctor, the diagnosis was made at the hospital clinic, The referal was done before you booked the holiday but in any case this could only have been done after the initial visit.
Can you clarify please – does the condition make it impossible for you to travel.
Travel insurance will be well used to this type of thing.
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The important point here is as the Travel Insurance have said, you were unaware at the time of taking out the insurance so you are covered, only making a false declaration or not declaring a pre existing condition does the policy become invalid, or an excess put on it.
It’s pointless making a complaint against the doctor, you were not given any misleading information.
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Ex insurance travel rep.
If you mean a complaint, I don’t see what your doctor did wrong. He wasn’t to know what the result of the ECG would be, he just referred your husband for one to check whether there was anything to raise concerns. It’s not clear from what you’ve said whether a heart problem was noticed from the ECG or at the cardiology tests, but either way I don’t think it would have been your GP that was involved at that stage. Obviously it’s hard to get the whole picture just from a description, but it seems that you were just really unlucky with the timing of your holiday. You can’t always blame somebody.
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Frankly I don’t see what you have to complain about. Your GP sensibly referred you to the hospital, it’s not his/her fault that they have a backlog and that you booked a holiday in the meantime. Or are you alleging that he knew about the results and kept them from you while you booked the trip?
In any case, your insurers are happy to cover you. Enjoy your holiday.
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