International Travel Allows Travelers To Broaden Their Culture

International travel, since ancient times – in purpose, style and destination – has seldom been affected by stagnation. In fact, it is characterized by being in a continuous evolutionary state, enveloping an intricate ongoing skein of globalization, commerce, and faddism.

The original international travelers of the past were basically merchants on missions, in search of profits for their royal patrons, and their travels were more akin to war and plunder than the sense of adventure associated with modern travel.

Usually, their travels were marked by accidents, resulting either in disaster, or in the discovery of new lands. They were essentially well-planned journeys that headed off into the utterly unknown. For example, Robert Falcon Scott’s polar expedition resulted in the entire party perishing.

Christopher Columbus of course thought he had journeyed to India, when he was actually on the other side of the globe.

Modern international travel can be traced to about 35 years back, with the advent of the first organized trips to the Himalayas in Nepalese territory, and thereafter the first commercialized African rafting trips.

World events have changed things so much since. While all through the ’80′s Nepal was the archetypal international travel destination; being caught up in Maoist uprising in recent years, it hardly features in any traveler’s itinerary these days. Bhutan, a mountain kingdom nearby, has been the main beneficiary, and is witnessing a surge in its tourism industry.

Likewise, Ethiopia, which was the location of the original rafting trips in the Blue Nile and Omo, is no longer favored as a travel destination, being embroiled in droughts, revolution and wars.

Each year brings forth new travel activities and destinations. In the ’70′s for instance, overland treks across Afghanistan, river runs in New Guinea and camel safaris in Algeria were favorites amongst travelers, which no longer are possible today.

In the ’80′s, the popular spots were the Egyptian Nile, for its felucca trips, eastern Turkey, for scaling Mount Ararat, plunging into the Red Sea, riding the waves of surf in Bali, all of which have been adversely affected by world events since.

The ’90′s witnessed the popularity of Alpine hikes, but that enthusiasm has been dampened today by the Euro rise against the dollar. Natural disasters too can affect international travel. For instance, the aftermath of the tsunami which hit Thailand, a popular destination until then, saw a dramatic fall in the tourism the following year or two.

With AIDS sweeping across Africa, its popular jungle safaris have been on a decline. The avian flu kept many travelers away from China and Southeast Asia.

However, destinations that were rarely favored by international travelers in the past are becoming popular these days, like Mozambique, Libya, Panama, Costa Rica and Nicaragua, to name just a few.

Nevertheless, throughout this period of time, some destinations have retained their attraction as travel destinations due to low prices, a wide range of adventurous activities, and political stability.

Northern Queensland in Australia is an example, with its famous diving in the vicinity of the Great Barrier Reef, its river rafting in the rainforest, and excellent biking and hiking in the great weather that exists throughout the year.

International travel has become common place among travelers of all ages, locations and nationalities. The opportunity to experience a wide variety of culture and lifestyles has sparked a rise in travel abroad.

What You Need to Know About International Travel Insurance

If you like travelling, you should take good care of your health too. Without good health, the travelling plans you made would be really wasted. One more thing you must take care of while you are travelling is the medical costs.

Why International Travel Insurance?

The answer is really very simple, security and budget. If you are travelling from one country to another with limited resources, travel insurance will help you adjust your budget and your expenses accordingly. Compare this to the risk of travelling without travel insurance and then falling sick. You might end up spending much more which will mess up your entire travel plan. Therefore international travel insurance should always be a part of your plans wherever you go.

What are the Other Benefits?

A good example of international travel insurance is the Atlas Travel plan that covers tourists visiting one country from another. In short it provides international travel insurance for both US and non US citizens. The travel could be as part of tourism, research or study. Also the insurance can be from a term period of just 5 days to as long as one year and the cost will vary accordingly. Again, the insurance can be renewed for as long as 3 years.

Features of an International Travel Insurance

The insurance covers quite a lot of features that will keep you safe and give you a comfortable sleep at nights. You don’t have to fret over the rising medical costs and massive bills for visiting doctors. The insurance sometimes provides coverage as high as one million dollars. The insurance covers the cost of the visits you have paid to various doctors, the cost of repatriation and evacuation that you were involved in or the cost of any hospitalization at any point of time. Medications and prescriptions are also covered under the insurance. Hazardous sports riders can insure themselves too if they love adventure and want to play safe as far as finances are concerned.

Applying for the Insurance

Applying for the insurance is very easy. One can do it online instead of going elsewhere. Online applications are processed faster and one can see the exact status at any point of time. Also, one receives the insurance as soon as it is processed in the form of mails. One can keep a printed copy of the PDF documents as proof of the insurance with them at all times. The CMN network is the provider and one gets only 80% of the coverage or whatever the terms of the insurance are. This is generally laid out in the policy and is known as coinsurance which means the ratio of coverage provided by insurance company and self. But a benefit of the coinsurance for a policy holder is that this amount is capped to a maximum of $1000. This means beyond one limit the policy holder doesn’t have to pay for the amount, even though it is his liability as per the co-insurance terms mentioned on the insurance policy.

Benefits of International Travel Insurance for Students

Every year a huge number of students go to study abroad and student travel insurance plans are an integral part of their preparations. At the time of travelling, you can never completely push aside the probability of loss or damage of property and important documents, and the student insurance plans currently offer complete protection against such incidents with their affordable international students travel insurance plans. These travel cover plans for student are of many different types and you can buy insurance for the journey or also go for a plan that offers complete protection throughout the period of studying abroad.

There are a number of banks both from the public and the private sector that offer student travel cover along with their student education loans for overseas. People availing both these facilities are often charged a lower interest rate. If you are contemplating of studying abroad against an educational loan it is always a better choice to seek insurance for a career that is approved with the bank. Compared to other kinds of travel health insurance policies, international travel insurance plans for students are found to attract lower premiums and often include health insurance benefits for the entire duration too.

A good way of finding attractive student travel cover policies is to look for and comparing them online. Most of the major insurance carriers have made their travel medical insurance plans available online. You can also use their online insurance calculators to compare the rate of premium for different policies. But whenever you buy an international travel assurance plan, make sure that they cover even the worst of the situations and nothing can be of better priority than the safety and protection against all unwanted incidents during all those years that you study abroad.

There is another type of student travel insurance available that allows a student to insure his vacation to an international destination. Compared to travel assurance plans for ordinary citizen student’s insurance plans for students are less expensive and cover almost everything including loss of baggage and important documents, financial inconvenience due to flight cancellation or other incidents for which the policy holder is not responsible in any way and also for extensive medical assistance during the whole duration of ravel.

Depending on the area you are travelling and the coverage you seek, the cost of international travel insurance for students will vary considerably, including the terms and conditions for paying the premiums. Travelling to different countries for receiving an education and the encompassing facilities they provide for travelling to international destinations are considered as a way of promoting practical education. You can always find a policy as per your specific requirements, but it is natural that a few individuals possess the essential knowledge and expertise for finding the best for them. Thus, it is always wise to seek help from a professional insurance advisor, so that you never lose out on any important aspect or benefit of the plan.

International Travel Insurance is a Must For Every Traveller

Few things are as exciting as launching off on an international travel excursion. Whether for business or pleasure, traveling overseas gives you the chance to broaden your horizons and see sights that you have only imagined. With this excitement also comes risk because when you leave your home country there are a variety of things that can not only interrupt your trip but make it dangerous too. The good news is that international travel insurance can greatly reduce the risks that come with traveling abroad.

A key element of international travel insurance, and one you should investigate thoroughly, is medical coverage. You want to be sure that you have adequate coverage for in-hospital or acute care but you also want to make sure that if you should have to be medically evacuated you can get home without breaking the bank. A medical evacuation can very easily exceed 100 thousand dollars, depending on where you are coming from and what country you are returning to. It is not uncommon for international travel insurance to cover the cost of a loved one to be transported home with you.

Keep in mind that we said “most” international travel health insurance policies will cover the cost of having a companion bring you home. That means that not all international travel insurances plans offer similar coverage. You need to be sure to examine all the exclusions and considerations for the medical insurance that you are looking at to make sure that the plan you choose really fits with the type of travel that you do.

Because we have access to computer technology it is very possible to find a good cheap travel insurance. You will need to be sure to look for the type of international travel insurance that best matches your needs though. Will you be taking just one trip or do you think that you will have multi trips throughout the year? Will you be engaging in adventure sports? Are you traveling for business or for pleasure? These are all factors that will go into the actual prices you are quoted for travellers insurance.

Fortunately most of the troubles that can upset an international trip are not pricey medical problems. Smaller problems can cost you money too though. International travel insurance can ensure that you are not left holding the bad should your trip be cancelled or delayed due to circumstances beyond your control. This is of particular concern to holiday travelers who have invested a great deal to take their annual vacation only to have lost baggage, a stolen wallet, or some other incident cause difficulties. Having international travelers insurance can eliminate the worry over these types of occurrences.

The real message here is that whatever type of overseas travel you intend to do, there is an international travel insurance policy that can help you avoid the kind of situations that can disrupt your trip and end up costing you a great deal of money. It will be up to you to do the research necessary to find cheap international travel insurance but it can be done. In the end, you will be very glad that you took care of this one very important detail. It will take the worry about of your plans and help to make your travel stress and worry free.

How To Know When You Should Buy International Travel Medical Insurance

Many international travelers today don’t think they need international travel medical insurance because they don’t realize their company insurance, travel insurance or personal medical insurance may not be valid outside of the United States. And this goes for government-funded health insurance too. Check to see what your health insurance or travel medical insurance policies cover. Make sure to read the fine print and the exclusion clauses.

Most comprehensive insurance policies offer three types of coverage – financial reimbursement for trip cancellation or lost baggage, medical coverage and emergency medical transportation and they differ from standard travel insurance policies. The cost of international travel health insurance policies depends on the type of coverage you need, your destination, your age and gender and the cost of the trip.

International trips or trips abroad are generally more expensive so you should consider getting additional insurance for any trip outside of the mainland USA, especially one with nonrefundable deposits.

There are a number of unforeseen circumstances that can interrupt your vacation or even cancel it, such as an unexpected illness, bad weather, a sudden death in your family or even a job change or jury duty that you can’t leave.

Any time that you have nonrefundable deposits or purchases you should have travel insurance. You should consider buying international travel medical insurance if you have invested a lot of money in your vacation or if you can’t cover any unexpected medical costs or emergency costs at you arrival destination.

If you’re traveling by yourself or with your family at an additional cost to you or if you’re traveling to areas that have known catastrophic events such as natural disasters, extreme political turmoil or health advisories, you should have international travel medical insurance. Or if you have an existing medical condition that is cause for concern, then by all means get insured properly.

You don’t want to be sitting in a hospital emergency room in another country and find out that you’re not covered by any of your other insurance policies. And Medicare doesn’t cover any eligible U.S. citizen traveling in Canada or Mexico either.

One of the most important reasons to buy international travel medial insurance is for getting emergency transportation out of an undeveloped country and into a country with proper medical facilities. It can easily cost $20,000 to get airlifted out of a foreign country. International travel medical insurance may seem cheap after an experience like this.

Oftentimes people think when they have travel insurance that they are fully covered for international travel or they think they are covered on their health insurance policy for medical expenses. This is usually not true.

Make sure to read your existing policies thoroughly especially the fine print and the EXCLUSION clauses to fully understand what you have and don’t have. There is a big difference between travel insurance policies and international travel insurance policies. And make sure to get several quotes to get the best low cost international travel insurance. It’s important to think ahead and it can be a tough decision for some but you can’t buy international travel medical insurance when you NEED it!