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The Benefits of Travel Health Insurance

Travel Health Insurance

Will you be traveling abroad this spring break or during the summer? Having travel insurance is imperative to take care of potentially costly expenses due to an unforeseen medical emergency. It’s also important to be aware of your policy details including the number to call in case of an emergency. Not being prepared with the necessary information could lead to hassles for your family or time sensitive delays if you need to be hospitalized overseas. 

If your plans involve a hiking, skiing, or any activity that involves significant physical activity, strongly consider having a checkup done before leaving . You can also checkout our DOGTAG® branded plans that cover adventure sports here. You should also have your insurer’s telephone number readily available and policy details like your policy number.

Travel insurance companies will typically extend two types of insurance claims: Cashless Facility or Reimbursement Facility, and it’s important to understand how these differ. In a Cashless claim, the customer or a representative from the hospital can contact the emergency line mentioned on the insurance policy to register a claim, which will be validated by the insurance company’s Assistance Service Provider. Should the claim be payable, the due authorization will be given to the hospital and the Provider will take care of settling the bill with the hospital.

In a Reimbursement Claim, the customer or a nominee contacts the emergency number on the policy and registers their claim on the date of the incident. The insurance company’s Assistance Service will validate the policy, acknowledge the claim, and provide the number for the claims registration. There will likely be a specified timeline to submit the claim supporting documents to the insurance company. If and when the claim is approved, the amount will be paid by the insurance company to the customer or nominee.

If you have questions about what kind of coverage you may need, please visit our website and use our live chat feature or just give us a call at 888-301-9289! We would love to help you find a perfect plan for your trip. 

Founded in 1998, Trawick International is a full service travel insurance provider specializing in protecting travelers of all types around the world. We offer a variety of travel insurance plans designed specifically by types of coverage, including comprehensive travel protection insuranceinternational travel medical insurance, visitor’s insurance, and international student insurance. 

Our company mission is to deliver superior travel and medical insurance products which offer the best 24/7 emergency assistance services available. To become a Trawick International partner call 888-301-9289 or email info@trawickinternational.com

By Emily Glen at 21 Jan 2019

Traveling Simply With The Youngs

Traveling Van

Meet Kaelan and Daniel Young, newlyweds who have turned their love for nature into the most unique travel adventure. Kaelan, a first-grade elementary school teacher, and Daniel, a Marketing Director for a non-profit organization, have bought their first home together… and it came on wheels!

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The couple have spent many weekends together camping (in tents) in various state parks all over the southeast. Their ultimate dream was to own their very own camping vehicle to take their outdoor trips to the next level and this dream came true in December of 2018. 

The Youngs purchased “Willy” from a seller in Baton Rouge, LA and instantly fell in love with the charming little van the moment they stepped inside. Just big enough for the 2 of them, there is a working toilet, sink, and a 7-gallon solar heated shower! 

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Being environmentally friendly is VERY important to the Youngs, and their van allows them to experience nature while also not damaging her as much as traditional campers might. They love to live their life by the motto: Fill your life with adventures, not things and have stories to tell, not stuff to show.

hiking

The pair spent their new year’s holiday taking the Willy to North Georgia to check out a few state parks. Here’s what Kaelan had to say about their experience:

“Our North Georgia adventure was filled with incredible summit views, long rocky hikes, and towering waterfalls.

We started our trip in Talulah Gorge State Park where the 1,000 foot-deep gorge was formed by the Talulah River. We walked over an 80-foot high suspension bridge and down 1,200 steps to the base of the gorge where we saw Hurricane Falls.

Then we drove to Fort Mountain State Park, which looked like we were standing in the clouds. We hiked all of the trails in the park, with Gahuti trail being the longest at 8.2 miles. In the beginning, the hike was eerie with thick fog, but it cleared and we were able to eat lunch by a crystal clear stream and admire the beauty of the forest.

Our last stop was in Cloudland Canyon State Park, which had the most stunning views and waterfalls. We hiked the East and West Rim trails deep into the gorge floor where we viewed Cherokee Falls and Hemlock Falls (and walked a ton of stairs to get there), making the 6.2 mile hike well worth it.

Props to Georgia State Parks for keeping their land pristine (besides the occasionally plastic bottle we found because people suck). The trails were all marked and well-maintained. They also had many signs informing people to always stay on the trails to protect the fragile land.

Support and appreciate our State and National Parks! There is so much beauty all around us!”

camping

Traveling doesn’t always mean stress, airports and tons of unnecessary expenses. Sometimes the most memorable trips are the ones spent enjoying each other, our beautiful planet and quiet time.

By Emily Glen at 11 Jan 2019

Things to Know Before Purchasing Travel Insurance

Travel Insurance

Don’t let the additional cost of travel insurance discourage you from the making the investment, the peace of mind alone that it grants is more than worth the monetary investment. The trip you’ve been dreaming about for years shouldn’t have to be affected by circumstances that are out of your control.

According to a recent report from AAA, 38% of Americans are likely to purchase a travel insurance policy for future international trips. That is more than a 20% increase over the past year. If you’re planning on purchasing a policy for a future trip, there are a few steps you should take prior to buying.

Begin by familiarizing yourself with the types of coverage available. These include but are not limited to medical, trip protection, and flight insurance. Of these insurances, trip protection is the most common and is included in just about every comprehensive policy. This insurance will cover circumstances such as you or your travel partner getting sick, a legal obligation, and other factors.

When it comes to medial insurance, you’ll first need to figure out whether you need to purchase a plan designed to cover pre-existing medical conditions. These plans typically cover the cost of an ambulance, hospital services and provide around the clock emergency assistance.

Flight insurance is meant exclusively for any difficulties that may arise regarding your flight. Typically these policies are purchased for international trips due to the higher fare costs. Flight insurance can help with saving on the cost of delay fees or a cancellation due to bad weather or a mechanical issue with the aircraft.

When traveling abroad you don’t want any surprises so it’s imperative that you read your policy in its entirety so you know what’s included, any restrictions, or what may not be covered. When news of the Zika virus began to grow, many Americans were unaware that their standard travel insurance policies did not cover trip cancellation due to a heightened outbreak risk.

So, it doesn’t hurt to do your research, and if you are still confused on which policy to buy and what it will cover, you can call us at 888-301-9289 or use the live chat feature on our website to talk with one of our customer service representatives! They will be more than happy to help you find the best policy for your trip.

Founded in 1998, Trawick International is a full service travel insurance provider specializing in protecting travelers of all types around the world. We offer a variety of travel insurance plans designed specifically by types of coverage, including comprehensive travel protection insuranceinternational travel medical insurance, visitor’s insurance, and international student insurance. 

Our company mission is to deliver superior travel and medical insurance products which offer the best 24/7 emergency assistance services available. To become a Trawick International partner call 888-301-9289 or email info@trawickinternational.com

By Emily Glen at 18 Dec 2018

Traveling With Your Pets

Traveling With Pets

Are you planning on doing any end of the year traveling? If so, one thing you may need to consider is what to do about your pet should you have plans of bringing him/her along. Thankfully, flying with your four-legged friend is easier than ever as the majority of airlines are quite animal friendly. However, each airline has regulations regarding pet rules so make sure you thoroughly research them prior to booking your trip.

Most airlines will allow you to bring along your pet as either checked or carry-on luggage. You may already have a pet carrier that you prefer to keep your fur baby in, but make sure that it is okay to use and that it meets the specific regulations, so you don’t run into any surprises when you show up at the airport. Guidelines will vary but, in most cases, pets traveling as carry-on luggage will be required to go underneath the seat for the duration of the flight in a soft carrier. Larger pets traveling as cargo will be required to fly in a non-collapsible carrier and they must have plenty of water available.

With the increase of travelers bringing along their pets, hotels are increasingly providing pet friendly options as well. Major chains like the Ritz-Carlton and Four Seasons will roll out the red carpet for your four-legged friend but again, make sure to read policies before booking your stay. You will also be required to pay an additional fee for your pet to stay with you.

Before you and your pet leave for your trip, take the time to prepare for unforeseen medical emergencies. Research any emergency vet clinics in or near your destination in case you find yourself having to take your pet to an animal doctor. Also, look into getting travel insurance for your pet! We can cover you AND your pet with our Safe Travels First Class policy. 

Founded in 1998, Trawick International is a full service travel insurance provider specializing in protecting travelers of all types around the world. We offer a variety of travel insurance plans designed specifically by types of coverage, including comprehensive travel protection insuranceinternational travel medical insurance, visitor’s insurance, and international student insurance. 

Our company mission is to deliver superior travel and medical insurance products which offer the best 24/7 emergency assistance services available. To become a Trawick International partner call 888-301-9289 or email info@trawickinternational.com

By Emily Glen at 4 Dec 2018

Know What to Expect: Tips for Disabled Travelers

wheelchair_travel

The Americans with Disabilities Act (ADA) has made traveling easier for the 40 million Americans with a permanent or temporary disability. All hotels, modes of transportation, and cruise ships in American waters are required to be in compliance with the ADA and provide appropriate accommodations for disabled travelers. Nevertheless, traveling with a disability can pose challenges. Here are tips to keep in mind when you plan a trip.

Travel Anxiety

Many people suffer from some form of travel anxiety. For a disabled individual, it can be especially concerning if there are any uncertainties about travel timetables and accommodations. A lot of anxiety can be alleviated simply by gathering information and knowing what to expect. If you are nervous about flying or have other anxiety issues, you should consult with your doctor to see if there is a temporary solution for you.

Travel Agents

Today, there are more travel agencies than ever that specialize in travel arrangements for individuals and groups with disabilities. An experienced travel agent can make special arrangements, such as having grab rails installed in hotel showers or finding disabled-accessible transportation. Knowledgeable agents can also identify sightseeing destinations that are disabled-accessible. It’s also helpful to know what foreign cities are the most disabled-accessible (for example, all cabs are accessible in London). So, do your homework before purchasing those airline tickets. 

Call Ahead

Be aware that “disabled-accessible” labels may have different meanings in different countries. For example, “accessible” in one hotel may be totally inadequate for a disabled person who’s wheelchair-bound. And just because a wheelchair can fit through the door of a hotel room doesn’t necessarily mean you’ll be able to maneuver adequately once you’re in the room, so make sure you call ahead for room dimensions and special bathroom arrangements, such as a roll-in shower.

Airline Travel

Airline security precautions can make the check-in process especially slow, so allow at least three hours if you’re traveling internationally. Take full advantage of the airlines’ special assistance for passengers in wheelchairs or those who have other mobility restrictions. Make sure the airline’s check-in personnel know that you require wheelchair assistance, as they can assist with luggage, help everyone in your travel party get through security faster, and help everyone pre-board. Ask for an aisle seat near the bathroom and be aware that passengers in wheelchairs are the last to de-plane.

Discounts

Take advantage of any discounts made available for travel, accommodations or sightseeing. If you’re traveling in North America, Amtrak offers discounts of up to 50 percent for passengers in wheelchairs and one other traveler, though it’ll be necessary to show proof of your disability (an identification card or a doctor’s note is generally sufficient). The Greyhound bus line also makes discounts available for disabled passengers. If you’re going abroad, the train systems in cities such as London, Singapore, and throughout Japan offer reduced fares for those in wheelchairs.

Travel Insurance

As part of your pre-travel research, find out the extent of travel coverage available in your destination country. The US State Department offers a list of options, so review it carefully because some plans don’t cover medical needs.

Be very thorough in your travel research — ask for the same accommodations you would expect at home and keep looking until you find them. Anything less would be a disservice to you and will detract from what should be a pleasant experience.

Image courtesy of Pixabay

Founded in 1998, Trawick International is a full service travel insurance provider specializing in protecting travelers of all types around the world. We offer a variety of travel insurance plans designed specifically by types of coverage, including comprehensive travel protection insuranceinternational travel medical insurance, visitor’s insurance, and international student insurance. 

Our company mission is to deliver superior travel and medical insurance products which offer the best 24/7 emergency assistance services available. To become a Trawick International partner call 888-301-9289 or email info@trawickinternational.com

**This is a guest article provided by Ed Carter with Able Futures** 

By Ed Carter at 27 Nov 2018
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