The high travel season is at the corner now. People from all walks of life around the world are currently busy searching for the best offers of air and land travel, accommodations, geoblue voyager choicevacation packages to suit their dreams, needs and budgets. Some of them have even started to make their reservations.
Here I would like to emphasize one vitally important thing, which is a must to remember when booking a trip, but ignored by a great number of travelers.
Much has been written on the importance of having insurance coverage while you are on a trip, away from home. This is an issue that remains somewhat ignored by many travelers.mexico auto insurance online After all, they have been traveling frequently for many years, and nothing happened so far to worry about. So, to buytravel insurance should not a be a must. It is only an optional precaution!
But, reality urges us to believe traveling anywhere in the world without protection today, is a vital mistake. Regardless of where you are traveling in the world, you must have an insurance coverage to survive any unexpected attacks and disasters, especially after the 9/11 attacks in the U.S.A.
Let’s say, you have been planning the trip of your dreams for a long time; you have finally found the opportunity to make your long time dreams of a special trip come true.
You are so excited! You have thought of all the details. You have been actively preparing for this travel; thinking, programming, shopping … spending a lot of time, money, and energy! You are proud of yourself that you have finally managed to materialize your dream!
Your trip can really be an unforgettable experience from start to the end, on one condition.
When booking your trip, you should have remembered that, like most exciting events in our lives, travel has some important risks, too. For example, potential medical and/or financial risks associated with travel, can suddenly turn all the excitement and pleasures of the trip to a nightmare.
Your baggage and/or your hand bag with your money, passport, credit cards in, can be stolen leaving you desperate & frustrated in a foreign country.
No one can guarantee that a natural disaster would not happen at the place you would be staying during your trip.
An unexpected accident, injury or illness would suddenly ruin everything. In fact, in the recent years medical costs have increased dramatically, worldwide. How would you be able to pay the emergency medical expenses, expensive hospital bills if you needed an urgent treatment, or surgery and care during your travel when you have lost your money, credit cards, and passport? Isn’t it a real nightmare?
In such a frustration, the only thing you would have needed to survive was a reliable medical and travel insurance policy, wasn’t it?.
Especially in the light of the horrible threats on and after September 11 terrorist attacks, the war on terror, other ruthless terror attacks in Istanbul, Spain, Egypt and London, frequent flight disruptions and cancellations, airlines’ bankruptcies, and more. In addition, travel suppliers such as tour operators and airlines worldwide have made cancellation policies more restrictive.
Therefore, if you have to cancel a trip, it’s likely that a big portion of your pre-paid travel expenses will not be refunded by travel suppliers.
Recent SARS and bird flu threats have also been urging travelers and vacationers to seriously consider to buy a travel and medical insurance.
Travel Insurance types and prices defer from one travel insurance provider to another.
You have to review, compare and select the best offers to suit your personal needs.
For instance, some insurance providers do not offer coverage outside the U.S.A. Some companies do not provide emergency medical coverage and care, while others do.
Some airlines do not accept to be held responsible for the acts of God, weather problems, natural disasters, riots and unrests, SARS, bird flu, and similar outbreaks.
The Insurance types you will need on a trip are reviewed below:
Last Minute Cancellation Insurance
With the last minute cancellation and/or interruption insurance you will get coverage on non-refundable deposits you had made when you bought your travel insurance. Read the fine print on the policy carefully when buying this insurance. You should discuss your personal needs with your insurance agent before buying it.
This is one of the most important insurance policies you should have. Buying health and medical insurance must be considered as an important part of your travel budget. You can face a health problem or an accident anywhere and anytime during your trip. Be sure your medical and health insurance policy covers illness, accidents, surgeries, hospitalization bills in the countries you will be visiting, emergency medical transportation to your home country. cheapest personal accident insurance Please remember to have your policies with you when traveling, leaving the copies of your insurance policies with a relative in your home country, in case the policies you have with you are lost.
Comprehensive Insurance Policy
This policy generally covers emergency medical transportation and trip cancellation and interruption, plus other needs you would expect. This insurance costs 5 to 7 percent of the total cost of the trip. You should have it for your safety.
What types of insurance policies do we need for a full protection?
The Essential Insurance Types offered by most providers are Travel, Last Minute, Medical, Health, Life, Hotel, Cruise, Air, Vacations, Luxury, car insurance, sports, and Spa Insurance policies.travel medical plans
Some travel insurance companies also offer affordable coverage for a wide range of winter sports including Ski, Off-Piste and Snowboarding.
We might need not one, but several types of insurance policies according to the general conditions at the destinations we’re going to.
If your kids are going with you, many travel insurance providers let them go free with adults.
Some companies provide policies for students, backpackers, cheap travel, holiday insurance, long stay, international, family travel, single travel, annual travel, annual multi-trips, and more. It’s good to know that in this cyber age, you can buy the insurance policies you need online, without even leaving your home.
Most Travel Insurance policies cover Luggage Loss, too.
But you should definitely ask about what’s covered and what’s not when choosing Travel Insurance Policy to buy. Do ask questions, all questions you might have in mind, until you get all the information you need. It’s much better to ask questions when buying insurance than to be sorry later.
How can I find the best insurance type to suit my personal or family needs?
When choosing a travel insurance policy to buy, you should get information on the offers of various insurance providers to compare.
Knowing how time consuming is to search, compare and choose the best travel and medical insurance types and prices to suit your needs and budget, we advice to visit the websites where you can find lists and information about various offers, then compare them, and choose the best ones to suit your needs.
You should keep in mind that buying your travel insurance through travel insurance providers, instead of travel agencies, would save you money in most cases.
In the light of terrorist attacks, unexpected natural disasters like earthquakes, tsunamis, deadly hurricanes, floods, epidemics, accidents, illness, SARS, bird flu, claiming hundreds of thousands of lives at many places around the world, especially in the recent years, every traveler must seriously consider to buy a travel health and a medical insurance, and some other insurance policies if needed, providing a reliable full coverage against both expected and unexpected threats.
While your current auto insurance may offer limited coverage along the border regions of Mexico, in most cases it only covers costs for you and your car. The Republic of Mexico requires proof that you can pay for costs due to injuries or death of persons not in your vehicle, property damage caused by your vehicle, and medical expenses for other persons in your vehicle. There is an additional consideration in that authorities will not RECOGNIZE the policy as legitimate unless it is written by an admitted Mexican Insurance Carrier. This is why you must purchase a Mexican insurance policy from a company authorized to do business in Mexico.
How to Find a Mexican Insurance Plan
It is highly recommended that you purchase Mexican auto insurance before entering Mexico with your car. Although Mexican insurance can be purchased from various vendors just prior to crossing the border, you will have great difficulty verifying if your policy is from a quality company approved by the Mexican government, if you have the proper coverage for your trip, if the areas or activities that you plan to do are excluded, or if you even paid the best price for the policy.
The easiest and quickest way to find Mexican auto insurance is online. Look for sites that offer more than one policy, and allow you to compare and customize quotes for the policies they offer.
What to Look For In a Mexican Insurance Plan
The minimum insurance required by Mexican law is liability coverage. However, depending on the severity, location, and/or length of the investigation by authorities this will not be enough. When selecting a plan, look for one that offers at least the following:
- Third Party (Civil) Liability
- Medical Expenses for Driver and Occupants
- Medical and Travel Assistance
- Physical Damage and Total Theft of Vehicle
- Legal Assistance and Bail Bond
- Roadside Assistance
- Urgent Message Services
Make sure the plan covers you during your entire stay. Most plans have daily, six month, and annual policies. You may find it cheaper to purchase a policy with a longer coverage period if you plan to stay close to 4 weeks or a month.
In addition, take into consideration the type of activities you plan to enjoy and their locations. Look for plans that offer medical emergency options with very few limitations or exclusion such as:
- Maximum of Number of Passengers (Other Plans Only Cover Up To 4 Passengers).
- Monetary Limits for Any Service Including Expensive Air or Land Evacuation (Look for Assist America because they have NO Monetary limits).
- Rural Mexico Territory Exclusion.
- Exclusions for Pre-Conditions (Except Late Pregnancy).
- Sport or Adventure Activity Exclusions (Surfing, Cycling, Mountain Biking, Mountain Climbing, Snorkeling, Kayaking Or Diving).
- Civil War or Terrorism Exclusions.
What you Should Get When You Purchase Your Mexican Insurance Plan.
When you purchase your policy, you should receive the following from the insurance provider:.
- Authentic and recognized Mexican auto insurance policy.
- Accident instructions and essential policy information.
- Important phone numbers.
- Premium payment receipt.
These items should be kept in your car at all times while traveling in Mexico. Write down your Policy number( s) & important telephone numbers and put it in your wallet or purse. This way you can get help if you are not near your vehicle or if your vehicle can’t be found.