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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

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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