Travel Insurance And Pregnancy – Dos And Dont’s

Many women make travel plans after they become pregnant, as they know that after the baby is born they will not have the time to travel. However, it is advisable to take the precautions and not take unnecessary risks, which would harm the unborn child and the mother too. Travel insurance at any time is necessary, but travel insurance and pregnancy is a completely new ball game.

Travel insurance will cover some of the risks involved in travelling during pregnancy. Though most people nowadays are quite casual about travelling during pregnancy, there are some risks involved. Insurance companies, in general, offer cover until the 28th week of pregnancy, but after that time, there are a few insurance companies which offer insurance cover. The premium on insurance during pregnancy is often more than what is payable on other insurance policies.

So what makes it different from other insurance covers? Almost all insurance companies classify travel during pregnancy as a high-risk cover. The main reason for the high-risk classification is that a pregnant woman is more likely to pick up some infection or develop some other complication which will need medical help. Sometimes, medical repatriation may also be required. That is why many of the general travel policies are clear that the woman returns to base at least eight weeks before the baby is due. If this criterion cannot be fulfilled, travel insurance cannot be availed.

Here are some points to remember about travel insurance and pregnancy.

1. Most of the insurance companies, which offer travel cover don’t cover pregnancy, as a general medical condition. You would have to check with your insurance company and find out what has to be done. Most of these companies offer travel insurance during pregnancy as an addition to the existing policy.

2. Travel insurance is very necessary, whatever mode of transport you choose.

3. If you are flying, make sure you inform the airline at the time of booking. Some airlines ask for a fitness certificate from the doctor, while some others will not issue tickets to women with medical conditions such as venous blood clots or who have a history of premature birth.

4. Make sure that the travel insurance covers the newborn, in the instance of a delivery on board.

When you think about travel insurance and pregnancy, there are some limitations which you have to consider.

1. Most insurance companies do not offer cover for multiple pregnancies.

2. Many policies will not cover any complication during travel, if the woman has conceived with the help of fertility drugs or In Vitro Fertilisation (IVF).

3. If the woman has had medical problems during pregnancy, then it may not be possible to get cover.

4. If the woman has a history of complications during conception, pregnancy or delivery, insurance cover may be denied.

5. There will often be no cover available after the eighth month of pregnancy.

Most importantly, remember that travel policies do not usually cover a full term birth.

Travel Insurance For Long Distance Traveling

Currently, many insurance products offered to the public to provide tranquility for a customer when he was on the move. Whether on a business trip, vacation, or just a regular trip. Now, almost all insurance companies have and offer this travel insurance product. Despite the different name, it still has same goal, which is to protect yourself and your family, when we travel far.

Travel insurance is an insurance product offered to the public who often travel long distances, in both Indonesia and the world, for business purposes (business), tourism or just a regular trip.

In order to travel, we must deal with a number of risks. It could be you or a member of the family suddenly ill or suffered severe injuries in an accident. For that, it is advisable for us, before a long trip, we should prepare ourselves with insurance products such as travel insurance. Spend a little more to buy insurance products when travel far is more beneficial than not buying at all. The reason is, anything can happen. Protecting yourself with travel insurance will provide security to the families left behind.

Variety of travel insurance products offered by insurance companies offer different benefits. Therefore, premiums and collateral offered is also different. There are insurance companies that provide security for travel around the world, but a few insurance companies cover Indonesia area only. There is also an insurance product specifically for aviation (air) alone, between ports (sea) only, between terminals or between stations (land) and some of them covering the whole journey. Similarly, there are also insurance company that cover for a period of time, there are only between airports, meaning that customers are insurance protected only when he departed from the airport to the airport A to B. However, there is also a guaranteed per week, per month or per year.

Guarantees given by them are different, depending on the premium paid. The greater the premium paid and the longer the policy agreement, then the greater the assurance obtained. For example, there is no guarantee that only for the accident and death alone, and there are also other collateral in the form of health insurance, luggage, motor vehicles (if it travels by private vehicle) to the repatriation corpse.

There’s even a travel insurance that can provide security when something bad happens to her policy holders of robbery in the middle of the road before reaching the destination country. The more coverage provided, the better for policyholders.

With the diversity of benefits offered, it will be more complete, if the home, family and possessions we leave behind is also equipped with insurance products, such as robbery insurance, earthquake, life, health and others. With this entire insurance guarantee, wherever we go, peace is always with us.

Travel insurance products, not only provide security or protection for its customers in terms of personal accident. There is also covering all losses incurred during the trip progresses, such as personal accident, medical expenses (medical care, including treatment) and third-party insurance coverage law.

Travel insurance provides comfort and reassurance when you are out.

Looking For Senior Travel Insurance – Here’s What You Need to Know

More and more seniors have become more than ever big on traveling which is why there are many insurance companies looking to selling seniors over 70 travel insurance. If you are an over seventy years of age senior and this is what you’re exactly looking for then read on and find out the things that you need to know before you sign the dotted line.

If you’re traveling within the United States territory with certain medical conditions and plan on staying there say longer than a week consider a medical over 70 travel insurance. If you already have health insurance it wouldn’t hurt to check first the full extent of coverage i.e. whether you can make health insurance claims while traveling before you apply for insurance for traveling as there is no sense to spend for something you may not use at all.

If the travel plan is to go beyond United States borders and stay there longer than 5 days then check your health insurance because many of these companies have little to no coverage at all outside United States territory. With medical insurance for your travels you will be asked to declare all pre-existing medical conditions in your application forms so please don’t skip out some just because it’s being controlled by medications.

It’s more practical and cheaper for an over 70 year old frequent flier to get insured for multi-trip travels (also called annual travel insurance). This saves you from paperwork and from supplying your personal information again and again.

Not all insurance companies offer the same things in their over 70 travel insurance category. So assess your needs are first (i.e. get insured for loss of car rental, accidental death and disability, and stolen personal effects among other things), the length of your stay, and the sorts of things you are likely to do while having your vacation.

Before signing the dotted line, make sure that you have understood the terms and conditions of your policy, what you are and are not covered for, and how to contact your insurer in case the need arises. This is critical to the success (or failure) of your insurance claims if you ever need to.

Fact is over 70 travel insurance is more expensive because insurance companies expect more claims from this age group not really because of your age but because of your health condition. For this reason it is a must that you visit a variety of insurers and ask for the range of options best suited for your needs and don’t forget to check on the age limit as some don’t cover seniors beyond 70.

For the technically inclined senior, you don’t have to physically hop from one insurer to the next for your over 70 travel insurance quotes. All you have to do is surf the Internet for top insurance companies as most of these offer free quotes online. This makes your comparison easier but if you ever need a walk through go ahead pick up the phone and make that call.