I’m Only Taking a Week’s Vacation Overseas – Do I Really Need Travel Insurance?

“I’m so excited – I’m taking my family on a vacation to Europe for a week. I have everything we need – travel documents, airline tickets, hotel reservations, a rental car, and tickets to some shows and theme parks we want to visit What else could I possibly need?” Does that sound familiar? You’ve probably heard someone say it before, or maybe you’ve said it yourself. There is one important element missing from those travel preparations – travel insurance.

Even on short trips like the week vacation mentioned above, a travel insurance policy is a good investment. The truth is, a week may not seem like a long time, but you only need a single moment for injury or illness to strike. Traveling, especially overseas, poses a number of simple but dangerous threats. From car accidents to airborne illnesses to food poisoning, the most mundane activities on your vacation could potentially lead to a hospital visit. This is just a simple fact.

Without an insurance plan, a hospital visit can be a very expensive problem. You could be facing anywhere from hundreds of dollars in fees to thousands of dollars, all because of one unforeseen incident With insurance on your side, however, the bulk of those fees will be absorbed, leaving you to pay only a fraction of the costs.

Remember our example above and how it listed the many items purchased in preparation for a trip? Buying plane tickets, hotel rooms, a rental car, and event tickets is a significant investment. Especially if you are taking your family with you. Now, think of all the things that can go wrong while traveling from one country to another: flight delays, cancellations, missed connections – any of these can cause you to miss the flights, hotels, and events you’ve booked. And most if not all of those will be nonrefundable. But your travel policy may come with, or allow an additional purchase of, special coverage that protects your investment so if a cancellation occurs, you do not lose the cost of your purchases. It is one more way this type of insurance makes fiscal sense, even on short trips.

Travel Insurance New York

When traveling to New York, it is important to have adequate travel insurance. The health care costs in New York, an expensive city in general, can add up quickly. For example, an ambulance would cost on average $800 as a flat fee and $14 per mile in some parts of New York. This does not even include your treatment upon arrival at the hospital!

To avoid such fees, many visitors purchase travel insurance to avoid high medical costs in the event that there is an unpreventable illness or injury that occurs while in New York. You will want to make sure that your plan includes:

Outpatient and Inpatient medical coverage in case you need to go to either the doctor or hospital
Providers that accept direct billing so that the insurance will pay directly to your doctor or hospital to avoid being stuck with any major bills
Emergency medical evacuation and ambulance coverage in the event that you need to be transported for treatment
Travel assistance in case you need medical referrals, translation services, etc.

The Atlas Travel policy is a popular option for travel insurance in New York as you can get up to $1 million in coverage which includes doctor visits, hospitalization, prescription medication, surgery, labs and x-rays, emergency medical evacuation, and local ambulance transportation. The plan also provides an optional network of providers that have agreed to direct pay and a travel assistance phone number which is available 24 hours a day, including with translation services.

Atlas America visitor insurance by American travel insurance company

There are a number of visitors insurance plans insured by well known American visitor insurance companies. Visitors travelling to any destination must make sure that they are insured under visitor policy at times of unanticipated financial crises, in case of emergency hospitalization.

Atlas America insurance is a well known visitor insurance policy which includes comprehensive benefits for overseas visitors travelling out of their country. The maximum medical insurance coverage offered by Atlas America visitor insurance starts from US$50,000. It also covers the insured for medical cost, against terrorist activities, during pregnancy complications, incidental trip to home land, and safeguards travelers against some other unanticipated outrageous events while overseas as visitor. In Atlas America visitor insurance policy travelers can enjoy coverage up to 36 months. To purchase Atlas America insurance online travels can use their credit card.

Buy Atlas insurance online as it is simple, quick and convenient, which in turn saves travelers time and energy from doing manual and paper work . Soon after the successful transaction online visitors will receive policy documents to their provided email address. If you want to know more about Atlas America you can visit American Visitor Insurance where you can find answers to common questions, insurance blogs, and can gain more knowledge about offered visitor insurance plans. For more clarification visitors can call 1-877-340-7910 where visitors can get any questions clarified.

Safe Travel for Women Students

As a young woman abroad you will stand out, especially if you travel to off-the-beaten track destinations. Your fantastic chance to experience a new culture can pass without a hitch if you follow some common-sense advice and think carefully about the medical insurance you need.

While dressing conservatively won’t protect you from all unwanted attention, it’s a good start. Be aware that what’s acceptable at home may be frowned upon in a different country. Baring your midriff, wearing a tight top and even showing your shoulders may give people the wrong impression. Pay attention to cultural differences and you won’t stand out in the wrong way.

Don’t walk alone at night. If you have to travel alone after dark, take a taxi. While it may make you feel bad to ignore a chatty stranger – who may not be a danger at all – it is important to create boundaries for your personal protection. Chat to new-found friends in safe spaces, not on the street, and don’t accept lifts or drinks from someone you’ve just met.

Last but not least, make sure you have good quality, professional medical insurance to protect you when you travel abroad to study and have fun.

Essential Preparations for Your Trip

The better prepared you are, the smoother your travel. A bit of time spent in preparation for a trip abroad – from booking travel insurance to mapping your route – can pay dividends in stress reduction and time saved for enjoying yourself.

Check your insurance needs and purchase international travel insurance for your trip. Remember Medicare and Medicaid, and private insurers, do not usually cover you for trips abroad. Choose a plan including emergency assistance, prescription drugs and repatriation coverage.

Leave copies of your passport, insurance documents, credit cards and itinerary at home or with a trusted friend or relative. If something goes wrong it’s easier for them to help you out. Take all the phone numbers you need to cancel cards and claim on insurance from abroad.

Check your route and itinerary and plan where you will be at certain times. It can be a good idea to register your travel plans with the State Department , especially if you are travelling long-haul. This way you can be easily contacted in the event of a family emergency or crisis where you are vacationing.

With Gas Prices Rising Again, Look for Other Ways to Save on Travel Expenses

It is annual event in the U.S. and many other countries – the holidays come around, travel increases, and gas prices increase. If you are taking a road trip this winter to catch up with friends and family, or you will be doing a lot of driving to and from the airport, or you simply have a long commute each day, these increases can put a real dent in your wallet. So it’s important to find other ways to save on travel expenses, such as buying travel insurance plan.

Some of the ways to save on travel expenses are obvious. For instance, comparison shopping online is always a smart move. Whether you are looking for the best deal on hotels, airfare, or event tickets, you can net significant savings on your overall expenses by spending a couple of hours researching.

Meals are an area where you can definitely save some money. For a lot of travelers, vacation time often involves overspending and overeating. When out with friends and family, it is easy to forget about the expense of a meal and order a larger portion than you really need, or to buy that extra dessert. In addition to cutting back on meal portions, you can also save money by bringing along prepackaged food. Think how much cheaper it is to bring your own snacks rather than buy them from the mini bar or hotel gift shop. And rather than stopping for fast food while driving, you can pack some sandwiches and fruit to eat while you are driving.

An often-overlooked way to save money is by investing in travel insurance plan. Even though you will pay for them up front, travel policies can save you a lot of money in the event that you become ill or injured. Rather than paying the full cost of medical care, your travel policy will cover the bulk of the expense. It can also provide reimbursement for items lost in luggage, as well as for cancelled or delayed flights. All told, that can lead to the biggest savings of all.