Saturday, January 23, 2010

Buy Visitors Health Insurance And Enjoy A Safe And Hassle-Free Travel

Visitor health insurance is a must have when you are travelling overseas because this payment plan will take care of all your medical costs in case you fall ill or meet with any accident. One cannot predict when misfortune will befall them. In case this happens when you are vacationing in the United States and if you are not insured by a visitors health insurance policy, you may have to face acute financial difficulties since health care is very expensive in this country.

There are many global medical insurance providers who offer different plans and can advise you on how to pick out a plan for US visitor insurance suiting your needs and budgetary requirements. You can browse through the many insurance provider sites to get the best plan after having thoroughly compared the different rates and services. You should ideally evaluate all the merits and drawbacks of each such plan and the corresponding charges. A fixed plan assures you less benefits but the premium is less as well unlike a comprehensive one.

The visitors medical insurance programs certified by major U.S. insurer companies are made available for foreigners travelling under tourist, business or student visas. Atlas America Insurance is one such notable insurance provider that helps to cover all medical costs for the insured in emergencies. Their plan benefits individual needs of different age groups of travelers. Immigrant insurance plans can be bought by immigrants travelling to the U.S. Immigrant health insurance will pay all medical costs incurred during the coverage period. For tourists inbound USA like those visiting their families or parents visiting their children, a tourist medical insurance is a must. There are visitors health insurance plans for green card holders, those staying under H1B or H4 visa permits, J1 and J2 scholars F1 student visa holders, missionaries and global tourists and foreign citizens. To buy travel insurance USA coverage, you do not need paperwork or any medical tests. Patriot America Insurance caters to the international traveler and offers coverage for non-US citizens who are going out of their country for 10 days to a year.

Buying travel insurance India has its pros and cons. While this is good for frequent travelers and ensures car rental or luggage protection, trip protection plans cover both delay and cancellation costs and medical coverage deals with costs relating to unforeseen events like death or accident. Buying India travel insurance may turn out to be costly and may be thought of as a waste of funds by those who are careless or simply prepared to take the risk. Tata AIG travel insurance is a well known insurance provider with a number of policies at affordable premiums to cover hospitalization charges, personal accidents, lost baggage, lost passports or baggage delays. Reliance travel insurance packages are very attractive and come in standard, silver, gold or platinum types. The greatest benefit with this policy is the 24 hour cashless emergency provision for emergencies. The Liaison International Insurance plans are ideal for parents visiting the US and other tourists travelling outside their home country. Many of its benefits can be renewed when you enroll for three months and you can enjoy as much as $1,000,000 in medical expenses. So, invest in visitors health insurance and be safe while you travel.


Wednesday, January 20, 2010

India Travel Insurance - For A Trouble-Free Travel Abroad

Who needs travel insurance? The answer is we all do; all of us who have planned a trip abroad either for business, leisure, or otherwise need to buy a proper travel insurance before we begin our journey.

Many things can go awry on a trip abroad that can put at risk your money, your health, and your composure. So, buying a good insurance cover like India Travel Insurance will provide protection to you from any unexpected events that can jeopardize all your well-laid plans.

Here Are Some Of The Things That Can Go Wrong:

* Flight delays or cancellation.
* Your wallet containing passport and money is stolen and you need emergency cash to get a replacement passport.
* You need to cancel your trip for personal reasons like an illness or a death in the family.
* There is a medical emergency in your landed destination.
* You are involved in an accident and you need appropriate medical attention or evacuation to another location or back home.
* You want to cancel your trip because of a terrorist threat at the city of your destination.

The list of unforeseen events is endless. There is nothing as horrid as being stuck up in a foreign land with an unfortunate event leaving you completely helpless. Therefore, it is important that you should be in control of how you can protect yourself to the extent possible. How do you go about it? A good indemnity or an assurance is the only answer. By buying a cover like India Travel Insurance, you can make your journey abroad hassle free.

Choosing The Right Cover

There are many companies with various insurance products advertised and sold in the market. How do you buy the right cover best suited for your trip?

Here Are Tips To Choose The Best Travel Insurance Cover When Traveling Abroad.

* Make A List Of The Coverage You Need: These can include loss of baggage, an illness, missing a flight, and being involved in an accident.

* Compute The Total Cost Of Your Trip: The amount of risk a cancellation will entail is the total amount of pre-paid and non-refundable amount. Insure that the trip cancellation coverage considers this amount.

* Make A Comparison Chart: Most companies offer similar products, so getting the best deal will involve an in-depth analysis and understanding of the fine print. Therefore, the best way to make a judgment of different products is by making a comparison chart. To help with it, some websites have comparison engines where you can enter certain basic info and get instant quotes of all major insurance companies.

* Read The Fine Print: Specifically make a note of "benefits and exclusions." Benefits are probably something you know, but the exclusion section will tell you where the benefits will not apply.

Finally, zero-in on a policy that meets your specific needs. A well-known company like India Travel Insurance may provide comprehensive protection with competitive prices, but it would do well to assess other products too. If your focus is on health cover, a company like Overseas Medical Insurance India has excellent products. Having a good travel insurance protection makes all the difference between weeks of worry and reassurance with peace of mind.