Insurance

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13
Nov 09

Importance of Visitors Insurance For Foreign Travelers

Author: Sam Loyal
Source: ezinearticles.com

Purchasing visitors insurance is one of the many preparations required to enjoy your trip to USA or any other developed country. No matter what is the purpose of a visit to these countries, there is need to seriously think about emergency health expenses one might require handling. This type of insurance is an essential requirement and can provide a number of benefits as discussed below.

Expensive Medical Treatments

The insurance for visitors to countries like USA can help them avail adequate funds to purchase medical treatments on foreign land. Needless to say, medical treatments are highly expensive in these countries and visitors from other countries usually don’t carry enough cash to meet their demand in situations like sickness or accident. Thus, visitors insurance is of great help to entertain these expenses.

Restrictions of Domestic Insurance

Domestic insurance plans of USA and other countries are restricted to help the visitors from other countries.

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9
Nov 09

Travel Insurance When You Are Older

Author: Overt Savontee
Source: ezinearticles.com

Let’s face it, the current generation of silver surfers expect more from life. They are internet savvy and those that have saved all their lives now want to see the world and enjoy themselves.

Unlike their parents before today’s retired are not content just to sit down, watch TV or play bingo. Those that can afford it want adventure and they want to see the world whether it means going on a cruise of a lifetime or taking advantage of the winter sun in Florida, Spain or Portugal.

With travel however comes the need for travel insurance and like everything once you hit that magic retirement age the cost of any sort of insurance goes up. Sure nothing has changed for you since the last few years but in the eyes of the insurance companies you have slipped into the higher risk insurance groups.

Being a greater risk to insurers can mean only one thing and that means higher insurance premiums. It is not just travel insurance that gets more expensive, any type of insurance from car insurance to life insurance gets more expensive.

So what can you do about the higher premiums and the likelihood that your local insurer may not wish to provide you with cover to travel anymore. Luckily the internet has made it easier for us to find cheaper deal and specialist insurers. Many travel insurance providers will cover you up to the age of 99, this may seem like a strange cut off date and as I understand it is just an arbitrary figure. You may be able to negotiate travel if you are lucky enough to reach this age and want to travel.

To be able to get a good deal and a policy that will give you proper level of cover you need to know what to look for. The best place to start are the travel insurance comparison sites. They will be able to give you an idea of which insurers are likely to be able to provide you with cover.

You can also get a good idea of which insurers are going to give you the bet online discount. Buying insurance online you can expect to get a discount as opposed to phoning them direct. Some insurers offer as much as a quarter of the cost of the policy just for buying it online.

Once you have a short list of potential insurers and before you buy online phone each insurer and make sure they can provide you with cover for your particular circumstances. Make sure there are not any hidden caveats, ask them outright about any common reasons they do not pay out on claims. For the insurers that come up trumps go back online and get your policy so you can get your online discount.

Find out how you can get Travel Insurance Over 70 that can save you time and money on your holiday insurance at http://www.travelinsuranceover70.me.uk/

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27
Oct 09

Three Notorious Pirates Who Should Have Had Cruise Insurance

Author: Patrick Chong
Source: ezinearticles.com

Blackbeard

Blackbeard was one of the most notorious pirates to sail the seven seas and this formidable fellow could certainly have done with taking out a hefty cruise insurance policy. Okay, so the personal liability cover may not have covered him in the event that that his long black beard, which he liked to light matches in, actually caught fire but there are plenty reasons that Blackbeard should have at least taken out cruise insurance cover when sailing his ship ‘The Queen Anne’s Revenge.’ For a start Blackbeard had a lot of possessions at his disposal. He was often seen with multiple swords, knives and pistols and had these been mislaid whilst en-route to the airport then his cruise insurance cover would have paid enough pieces of eight to ensure that he was able to purchase a replacement on arriving at his destination.

As well as a lot of treasure, Blackbeard also had many wives, fourteen in total, with the youngest one just sixteen years old. Having fourteen wives may seem like a logistical nightmare, but had Blackbeard taken out cruise travel insurance then in the unfortunate instance that one of them fell ill and this prevented him from enjoying his leisurely cruise his cruise travel insurance policy would have come in extremely handy.

Anne Bonny

Anne Bonny was perhaps the most famous female pirate, described by many as both attractive and intelligent; Anne had all the skills needed to outsmart her male counterparts. She married a small time pirate and moved to the Bahamas where she started mingling with other pirates in the local drinking establishments. After too many bottles of rum it’s likely that things often got hazy for poor old Annie and had she taken out cruise travel insurance this would have protected her in the unfortunate event that she stumbled overboard. Anne started an adulterous affair with the pirate ‘Calico Jack’, much to her small time husband ‘Pirate James” dismay.

He immediately contacted the local governor and requested that Anne be flogged for adultery and returned immediately to him. If Anne had taken out cruise travel insurance then her legal cover would have provided her with the pieces of eight needed to bribe a noble lawmaker to present her case directly to the governor. Unfortunately poor Annie had neglected to take out cruise insurance before traveling and although she was sentenced to the flogging she managed to escape with Calico Jack, where she spent years at sea onboard his notorious ship ‘The Revenge’.

Samuel Bellamy

Samuel Bellamy was a romantic pirate, whose love story with a 15-year-old Massachusetts girl has inspired many books and films. Sam, himself was a polite and friendly teenager from Devon who, after sailing across the Atlantic to Eastham in Massachusetts, fell in love with a local beauty by the name of Maria Hallett. Maria’s parents instantly took to Samuel, but at the same time believed that a poor self-confident sailor was not good enough for their precious daughter. Maria fell pregnant and was sent to jail for having a child out of wedlock. Meanwhile, Samuel enlisted the help of his friend and the duo set of for a sailing expedition in order to find Spanish treasure with the promise that he would come back commandeering the biggest ship that they had ever seen. Whilst cruise travel insurance may not have got Samuel the girl, it would have provided his prospective in-laws with the funds that they needed to bring up their future grandchild.

You see Samuel did manage to keep his promise to Maria’s parents and three years later when his spate of piracy had paid off he returned commandeering the huge ship ‘Whydah’ with enough gold to force the whole of Eastham Harbour into early retirement. But only kilometers away from Eastham Harbour his boat was caught in violent storm, leaving only eight survivors out of a crew of 140. Samuel never got to see his daughter and he never saw again saw Maria. If only Samuel had taken out cruise travel insurance then his loved ones would have received a share of the Whydah’s treasure chest.

Patrick Chong is the Managing Director of Journey’s Travel. Their commercial travel insurance website, Insuremore, offers cruise travel insurance for families, couples and singles with a quick and easy online claims feature.