Compare Travel Insurance

Archive for June, 2009

There are many websites available today to find insurance to cover your travel plans. Where you reside is a key to where to look. There are a plethora of sites available for residents of the United Kingdom to cover their holiday plans to just about anywhere in the world, but there are also sites that will allow residents of different countries including Europeans, Canadians and Australians, to find European Travel Insurance, Canadian Travel Insurance and Australian Travel Insurance.

Please don’t be confused by Canadian Travel Insurance and insurance for travel within Canada. There is a huge difference especially if you are traveling in Canada and require medical treatment. Because healthcare is completely government regulated the cost of health care for someone not of Canadian citizenry can be astronomical. It would be of great fiscal responsibility to purchase a global or world travel insurance policy that would cover medical care in Canada if necessary.

For a reasonable cost, you can purchase a Canadian Travel only policy that will cover any medical issues that arise once you are within the Canadian borders. Any pre-existing conditions have a 180 day waiting period and wouldn’t be covered if you had a problem with a pre-existing condition while in Canada. The policy provides up to $25,000 for Emergency Health and Hospital Services and if you have to be hospitalized, it would be in a semi-private room. Dental problems that arise are covered up to a $3000 aggregate limit. In the event of a death of a covered person, return of the deceased to their country of origin is covered up to $10,000 and the travel for a friend or relative to accompany that person would be covered as well.

For claims to be honored, you will need to notify the insurer of a hospital admission within 24 hours of admission or 24 hours prior to any surgery that is scheduled due to a covered medical emergency. Otherwise, your benefits will be reduced by 20%. Policy limitations, coverage and exclusions can be viewed at www1.insuremytrip.com.

For global travel insurance there are a variety of options as well. www.globaltravelinsurance.com offers single and multi-trip medical insurance along with vacation insurance protection and cancellation protection. They even offer policies for students on school sponsored or required travel when having to leave their native country. You can purchase a policy for as few as 15 days to up to 24 months with a range of deductible options that can greatly reduce your premiums. You can add a trip cancellation rider, a sports rider or a terrorism rider for additional cost.

With global travel insurance, make sure you check out your options online and ask for references before committing to a policy.

With the cost of travel anywhere abroad ever increasing and the increased number of flights being delayed or canceled means that to safeguard your travel abroad a family travel insurance policy is almost a necessity. As when purchasing home, auto or life insurance, you need to gather information about the companies that provide business travel insurance, annual travel insurance and holiday travel insurance. If you have medical concerns or are planning on backpacking, cycling, skiing or taking an Adventure holiday, travel medical insurance may be called for as well.

One of the easiest sites to navigate for citizens of the United Kingdom is insure and go insurance company. They can be found at www.insurandgo.com. Endlseigh’s website at www.endsleigh.co.uk offers one way travel insurance along with single trip insurance, annual multi trip, winter sports insurance, studying abroad insurance, gap insurance, long stay travel insurance, backpacker insurance and more. Most sites also offer business travel insurance as well. If you find an insurer that works well for family travel insurance you can use that same company for your business and group travel insurance needs.

Endsleigh has been a leading insurance intermediary for customers in the United Kingdom for over 40 years. Having started in 1965, their stated goal is to be a lifelong provider to each and everyone of their clients. Endsleigh offers a wide range of products from home insurance, financial planning, life insurance, critical illness, income protection and mortgage protection. They also provide a wide range of business insurance services and serve many niche markets with liability and product insurance, and planning services to manage your Disaster Recovery Planning and Risk Management and your company’s Health and Safety Plans.

Endsleigh also offers a 14 day cooling off period. If after 14 days you want to cancel your travel insurance, you can get a refund of your entire premium less a prorated amount if your travel had already started and you had been using part of the insurance contracted for. In addition, Endsleigh complies with all of the Rules and regulations set forth by the Financial Services Authority and has been a supporter of this necessary regulation of the insurance industry in the UK. They are registered for all of their products with the FSA and you can verify it by going through the registry at http://www.fsa.gov.uk/register.

You can also be assured of the financial health of Endsleigh in that they participate in the Financial Services Compensation Scheme. If, in the event that Endsleigh cannot meet their obligations regarding a claim arising from a covered incident on one of their policies you will still be compensated for 100% of the claim up to the first 2000 pounds and 90% of the remainder of the claim, except for compulsory insurance which is covered for 100%.

Travel Insurance is a must if you want to have a stress free trip