What Does Acute Onset of Preexisting Conditions Mean for Travel Insurance?
Acute onset of preexisting conditions is a concept that is part of any travel insurance policy. In most every case, a preexisting health conditions are not covered under travel insurance. The only exception to this is acute onset of a preexisting condition, but this can get fairly tricky when it comes to travel insurance policies. In order to understand how it might impact your insurance experience, we must first breakdown the definition of acute onset as well as the terms by which travel insurance operates.
To begin with, acute onset of preexisting conditions means that you or someone that you are traveling with has a known preexisting condition and experiences a very sudden health concern while abroad. The biggest distinguishing factor here is that the health problem must, quite literally, come out of nowhere. While it is fine if the preexisting condition raises the person’s chance of this health risk, the problem itself must arise quickly and without warning. For example, you might be diabetic and at risk of certain health problems relating to your blood sugar levels. If you have recently been experiencing problems and the issues arise again while you are traveling, this would not be considered acute onset. However, if you have been doing fine and suddenly find yourself going into diabetic shock, this would be considered acute onset and should be covered.
When it comes to paying out these kinds of insurance claims, you can rest assured that your traveler’s insurance company will do everything they can to determine if you had any prior indication that there was a risk of the event occurring. They might look into medical records, ask you if you have been experiencing any recent symptoms that could have tipped you off, and more. This is because preexisting conditions as a whole are not covered by these insurance plans, which means their job will be determining if this was a fluke or just a part of your preexisting condition that you should have been aware of.
Choosing traveler’s insurance can be difficult because of this, and if you are traveling with someone who has a preexisting condition, it can be that much harder. Make sure that you look into the policies that you purchase so that you are aware of what to expect. It always pays to seek out reviews and see how companies handle this sort of situations. Trawick International has a customer support hotline where specialists can answer all your questions and make sure you get the right plan.
The fact that you or someone you know has a preexisting condition should not stop you from your travels. With a little extra time and research, you can go on your travels prepared with an understanding of what your insurance covers. In the event you have been experiencing any recent problems, it is important to recognize that your services might end up not being covered. As long as you go into your travels aware of what your insurance covers, you should be able to travel without worry.
Looking for a trusted provider of Travel Insurance? Trawick International has been a top provider since 1998.
at 14 Feb 2020
How to Shop for Visitor’s Coverage Insurance in the USA?
While many other countries provide medical coverage for free to citizens and, in some cases, visitors, the United States is not one of them. For those from other countries who are traveling, immigrating, or staying in the United States for other reasons, traveler’s insurance can be very important. Though we all hope that there is no need for it, considering the steep healthcare prices in the U.S. it is simply best to be safe rather than sorry. That is why we threw together this quick guide on how to shop for visitor’s coverage insurance.
The most important thing to consider when you are shopping for visitor’s insurance is to compare plans. While it might seem easy to just go with the first plan that you find if it sounds good, finding the best option requires research and comparison. Until you look at multiple plans, it is easy to overlook what you might have been missing in another. You always want to seek out the best price and coverage in combination to make it worth your while. A little extra work here can go a long way towards finding you the best option.
If you want an easy and effective way to look for high-quality plans, the internet is the best way to go about it. You can simply search for visitor’s insurance and be met with a collection of sites that are ready to help you find a plan that is right for you. Often times, these websites will help you to choose a plan based on your specific traveling circumstances and needs. This can make it easier for you to get insurance that covers the time-span and kinds of circumstances that you are likely to face.
The biggest consideration when it comes to finding the right plan is why you will be in the country. Students traveling abroad might have different needs, or might even be able to get insurance through their schools. On the other hand, immigrants who are waiting on their green card or have just gotten it might need something more comprehensive and long-term. Be prepared to research what kinds of coverage you will need so that you can guarantee that the plan you end up choosing has it. This is the best way to go about getting insurance that will keep you covered when you really need it.
The good news is that visitor’s insurance is growing in popularity, which means you can easily find access to a variety of plan options that can help you put your mind at ease. Choosing the right plan is simply a matter of considering your needs, the duration of your stay, and how much you want to pay. After you have singled out the insurance policy that you want, you can make an easy online purchase and rest easy knowing that you are covered. As you begin your search, try looking at a minimum of five options before making a choice to ensure that you find quality coverage.
Want a Quote for Visitors Coverage Today? Get it here!
at 10 Feb 2020
Which Travel Insurance Is Best for Schengen Visa?
Travelling across European countries is easier with the Schengen visa as you can skip the tedious process of multiple visa applications. Visiting Luxemburg and Budapest on a single visa is a reality; however, you need to get the right travel insurance to cover your Schengen visa. Your must be able to financially handle all your emergency medical services through appropriate travel insurance. Even though most European countries have great medical services for their citizens, as a non-citizen you will not get the same benefits. Covering medical expenses related to an injury or accident is easier when you purchase the right travel insurance for your EU visit.
Unexpected expenses in the form of lost baggage, accident, injury and medical emergencies can also jeopardize your Europe trip. Travel insurance can help you with the necessary financial support and convenience to continue with your journey without any issues.
Medical Travel Insurance for Schengen visa
Travelers often purchase medical insurance as health emergencies, accidents and injuries are quite common when people hop from one city to another. Too much travel exposes tourists to various health problems, which can lead to unexpected medical bills and expenses. If you are planning to go on a long tour of Europe then it’s important to purchase a medical Travel Insurance for Schengen visa.
Here’s what your travel insurance plan must include:
- Minimum coverage amount of $34,000
- Must cover all the member states included under the Schengen area
- Cover all the expenses arising out of repatriation on medical grounds, emergency medical treatment, and hospitalization
At the time of applying for your Schengen visa, you will have to get the mandatory insurance certificates. Even though it’s not mandatory to buy travel insurance while travelling in Europe, if you’re applying for the Schengen visa then you must get coverage. The travel insurance plan you choose must cover the entire duration of your stay in Europe.
Travel Insurance Options
If you opt for travel insurance you must be sure that your policy works in all 26 Schengen countries including Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. Policies are structured so that they offer exactly the benefits required by consulates to get your visa approved. You should also confirm that your purchase also includes a signed visa letter. Some good providers will also offer this letter to be translated in any language.
Schengen Travel Insurance Providers
Your existing health insurance policy might cover international medical emergency expenses but they come with limitations. You must go through your health insurance plan to understand what medical issues are covered in the Schengen area.
In case your health insurance doesn’t cover the Schengen area then you should consider buying a separate Schengen travel insurance for the period of your European tour. However, it’s important that you choose a licensed company and the policy is valid in every country in the Schengen area.
The biggest advantage offered by the travel insurance plans offered by Trawick International is that consulates and European embassies accept them. In case your visa is rejected, cancelling travel insurance is easy and free.
Check out the comprehensive coverage Trawick International offers for Schengen travel.
at 6 Feb 2020
What Travel Insurance Is Best For Seniors?
Travel insurance for seniors is a tricky subject as not many companies offer comprehensive cover at affordable prices. Travelling abroad with your aged parents or relatives is always risky, especially if they’re above 70 years of age. They’re more likely to experience health issues that can spoil the trip and lead to large expenses and bills.
Buying travel insurance for seniors can be extremely beneficial as they provide cover against several untoward incidences. The type of travel insurance you choose for travelling abroad depends on factors such as your duration of stay, your general health condition, and activities that you wish to participate in while travelling.
Things to consider before buying travel insurance for seniors:
- Duration of Stay – The longer you’re going to stay abroad, higher the chances of losing baggage, falling ill or an accident. Thus, you’ll have to choose a plan that covers all these; however, such a plan would be more expensive than just a medical travel insurance plan for seniors.
- General health condition – If you suffer from critical illnesses like a heart ailment or liver disease then you must choose a medical travel insurance that covers everything from hospitalization to medicine and from critical medical care to evacuation. Your general health condition needs to be factored into the decision before choosing a policy.
- Activities you wish to participate in –Even a short cab ride can be strenuous for seniors and accidents can occur during some simple activities like strolling on the beach. However, you must still plan accordingly and make a list of the activities that you wish to participate in while travelling. Now, depending on the nature of your activities, you must choose a plan that offers you the highest coverage.
Reasons why seniors should always buy travel insurance
- Stolen baggage: If you’re 70 or above and still have a wanderer’s soul then you must get a travel insurance that covers your luggage. There’s nothing more frustrating than a lost luggage with valuables during your trip. However, travel insurance that cover lost or stolen luggage can be immensely beneficial while travelling.
- Trip Cancellations: Inclement weather and unforeseen circumstances can often lead to trip cancellations. If you don’t wish to lose your hard-earned money due to flight delays or cancellations, then it’s imperative you buy a travel plan that cover these specific circumstances.
- Pre-existing medical Conditions: You will be compelled to buy waivers if your travel insurance doesn’t provide holistic coverage. Buy a medical travel insurance that covers pre-existing medical conditions.
- Medical Emergencies:During international trips, seniors are more prone to falling ill than their younger counterparts. Seniors need to buy medical travel insurance that covers medical emergencies, which include both hospitalization and cost of medicines.
- Medical Evacuations:Seniors need to make provisions for emergency medical evacuation because most of the medical travel insurances for seniors don’t cover transportation costs. Thus, it’s important to get a medical coverage that include emergency medical evacuation, if such a situation arises.
Seniors need to take extra care while travelling abroad, especially to non-English speaking nations because in an emergency it can be hard to find someone who you can communicate with effectively. However, decent travel insurance covers emergency assistance and travel advice. That is why selecting the right type of coverage for you needs is done with thorough research before leaving on your trip.
Find travel insurance plans for seniors here.
at 2 Feb 2020
What Travel Insurance Do I Need for Thailand?
Thailand features on the list of top 10 tourist destinations in the world and travelers get to experience everything from amazing nightlife to jungle adventured. If you are excited about visiting this colorful country, then it will be wise to buy travel insurance. It’s may not be mandatory, but trip coverage helps you travel in peace and gives you financial protection from untowardly incidences like accidents, baggage loss, medical care and even cancellations.
In order to be safe and avoid travel annoyances you can always buy a travel insurance plan that offers decent cover for your needs. There’re different types of insurance policies that covers almost anything that you plan to do in Thailand. Here’s a list of travel insurances that you can choose from before departing for a fun-filled tour of Thailand:
- Travel Accident Insurance
Along with term life, accidental death, even dismemberment is covered by travel accident insurance policies. Flight or travel accidents may also be of concern, so travel accident policies cover such loses. This insurance also offers other financial assistance to cover emergency evacuations, baggage loss, dental and medical expenses and repatriation. You can avail all the benefits during your entire Thailand trip and it’s particularly beneficial for frequent travelers visiting risky locations.
Your general health insurance won’t be any good when you travel to Thailand. It’s best to get a travel medical insurance plan that acts as an extension for covering dental, medial and even evacuation costs while you’re travelling. Travel medical insurance policies are quite affordable, as it doesn’t provide cover for incidents like trip cancellations. However, there’re some insurance plans that cover delayed trips or lost baggage.
- Medical Evacuation Insurance
In case you suffer from a critical illness or suffer a catastrophic accident, you might need emergency medical evacuation while travelling to Thailand. Medical evacuation insurance is the perfect financial cover to take care of your hospitalization, evacuation and even return trip for minor family members. There are plans that offer term life and extra benefits covering adventure sports, trip interruptions and lost luggage. Your loved ones and family members will appreciate medical evacuation insurance in case you’re hospitalized while traveling to Thailand.
This is the most popular and comprehensive travel insurance plan because you can get a customized plan as per your travel needs. Usually this type of a plan covers everything from evacuation to luggage problems and medical costs to trip delays and cancellations. Some plans even cover pet care, identity theft assistance, credit card, passport services, rental car collisions, adventure activities, roadside assistance, lost luggage, sports equipment, evacuations and return of minors.
Of late Thailand, especially it’s capital city Bangkok, has been witnessing heavy political turmoil and you might encounter several problems while travelling. Trip delays and cancellations cannot only spoil your holiday mood but lead to financial losses. Thus, travel insurance policies will come in handy while travelling to this beautiful and exotic country. However, it’s imperative to check out all the terms and conditions pertaining to the travel insurance plan before buying. Research online and search for a plan that suits your travel needs and insurance requirements.
To get more details on the Trawick International’s plans for your next trip to Thailand, click here.
at 30 Jan 2020