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Insurance Options For Business Travelers

admin — Tue, 02 Feb 2010 10:43:42 +0000

Business travelers are no strangers to extenuating circumstances. Last-minute changes to flights, lost luggage, missed connections, rental-car accidents if you travel for work, it likely has happened to you. Most of these hassles involve fees charges that employers assume as a cost of doing business. But when travelers are self-employed, as a growing number of business travelers are, all of these fees suddenly add up.

This is where travel insurance can help. While most insurance providers sell these products to leisure travelers on a trip-by-trip basis, a handful also offer annual policies for business travelers. With these policies, for one annual rate, road warriors often can get reimbursed for most (if not all) of the charges they encounter when something unexpected happens on a work trip. In just about every case, customers see a return on their investment after three or four charges of $50 or $100 each to change a flight. Across the board, the companies are effective insurers, paying out quickly and efficiently.

To be clear, there are some things that none of these policies cover: if you simply decide not to travel, if your business meeting gets canceled, if you have a child-care emergency. On the plus side, most of the policies cover acts of terrorism (which, sadly, is becoming more of a realistic possibility these days).

Here, then, is a rundown on the five most popular annual travel-insurance policies on the market. Keep in mind that coverage varies from policy to policy and state by state (insurance laws differ by state). It’s also important to note that with any insurance policy, understanding the fine print can be challenging, which is why we recommend calling for more details.

Travel Insurance A 'Top Tip' for World Cup 2010

admin — Mon, 30 Nov 2009 05:43:27 +0000

Travel insurance is a recommended investment for anyone planning to travel to South Africa for the 2010 Football World Cup.

In a list of top tips, the UK Foreign & Commonwealth Office (FCO) explains that medical bills and an air ambulance can reach more than £25,000 in costs in South Africa.

Without travel insurance in place, the individual concerned would be expected to pay these costs back.

Travel insurance cover that includes belongings may also be a wise investment in light of the risks of theft.

“With the high levels of crime it is also important to insure any possessions you take with you,” the FCO urges of travellers.

The news comes as the FCO launches Be on the Ball, a campaign encouraging football fans to make sure they are well prepared for the sporting spectacular.

Other recommendations include the suggestion that passports should have two blank pages before leaving the UK.

Travel Insurance Customers Offered "Whole World in One Country"

admin — Mon, 30 Nov 2009 04:11:31 +0000

Jet-setters may want to take out a travel insurance policy and head to South Africa after one expert claimed it offers “the whole world in one country”.

According to tour operator Rhino Africa, the most popular spots include flagship city Cape Town and the world-famous Kruger National Park.

Anton De Wit, reservations manager at Rhino Africa, said: “You can find Cape Town which is a bit like Barcelona. You can do a normal safari without malaria issues and next year we are hosting the World Cup. You have the whole world in one country.”

More than 40 hotels have recently opened across South Africa, which could be convenient for travel insurance customers thinking of visiting.

Other activities on offer include whale watching and swimming with dolphins – both of which are on offer around South Africa’s picturesque coastline.

Figures released by South African Tourism earlier this month reveal that the number of Britons visiting the country increased by 6.8 per cent between August 2008 and August 2009.

Medical Insurance 'Sensible' For Regular Travellers

admin — Mon, 30 Nov 2009 04:08:12 +0000

International health insurance is an important consideration for people moving overseas or travelling regularly for work, it has been claimed.

Taking out expat health insurance should be a top priority for people making a move overseas, particularly if their destination has a weak healthcare infrastructure, Shelter Offshore has advised.

According to the expat advice site, international health insurance is also a sensible idea for workers travelling regularly on business, as this will provide cover in any country they fall ill or have an accident in.

“You have to make sure that your insurance is broad enough in terms of its geographical cover to make sure that you’re not uninsured if you leave your own home country,” the site declared.

The site advises that although in some circumstances expats may have access to public healthcare services by making contributions to the national system, procedures to do so must be followed carefully.

In a separate guide, the site urged expats to take protecting their health overseas as seriously as protecting their money.