Travel and Leisure ? Blog Archive ? Protected By Medical ...

With the commencement of the summer travel season, a lot of travelers are thinking about protecting themselves, their family, and their vacation investment. Do consider travel insurance if you are in the middle of planning a trip that involves a sizable financial outlay. Aside from bungled connections and illness, it can also cover missed flights. When there are cancelled trips, delays, or even interruptions, this can be used as a safeguard for financial loss.

Considering travel policies, these usually vary but these almost always include sickness, baggage loss and flight insurance, accident, and financial protection in the event of trip interruption and delay. Medical evacuation is usually included when it comes to the best policies and this is a feature rarely offered by conventional health insurance plans. In this case, it comes with an expense because one or more airplanes or helicopters are used to retrieve the sick traveler.

Considering illness, accident, or weather, trip cancellation is the most likely occurrence here. Because a traveler must cut short a trip to go home, it is possible for the scenario to include trip interruption. Reaching a price of about 5 to 7 percent of the trip cost per person is the cost of travel insurance. With regard to a $3,000 per person trip, it is possible for it to include an additional $150 or $210.

When shopping for a travel insurance policy, look for one that has a 24 hour hot line providing international access, essential for medical emergencies. Before you travel abroad, do consider checking the US State Department?s Bureau of Consular Affairs, Superintendent of Documents, US Government Printing Office, Washington, DC. They have information on crime, medical care, drug supplies and on areas prone to natural disasters and political instability.

In this case, most US Embassies and Consulates maintain 24 hour operators or answering services to assist Americans in difficulty when it comes to robberies abroad. When it comes to canceling stolen credit cards, dealing with local police, expediting the replacement of a stolen passport, and assisting with language problems, they can help you. They are also capable of working to direct travelers to the right source for replacing airline tickets, provide a list of English speaking lawyers, and instruct travelers on getting money transferred.

If you lose your passport, they can provide you with temporary identification. Some years ago, you could replace a passport within 24 hours but security reasons have since changed this. What will be issued to Americans who lose their passports are new passports with computer generated digital photographs.

For all travelers, they should consider packing separate from the passport a notarized copy of a birth certificate, a copy of the information pages of the passport, and two passport size photos. What you can expect in this case is a speedy process if the actual passport is stolen. It is important for travelers to carry photocopies of credit cards, airline tickets, and drivers? licenses and leave a second set of photocopies behind with a friend or family member according to the State Department.

You should consider keeping a copy of the police report so that you can file insurance claims when you get back. It is important that a traveler contact the nearest US Embassy or Consulate for advice if he is exposed to political instability abroad. Considering the State Department?s publication, you can get tips and advice on foreign travel when it comes to street safety, driving, and terrorism. Copies can be ordered from the State Department or you can read about it at the State Department?s Web site.

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Source: http://www.persina.org/protected-by-medical-evacuation-coverage/

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