Travel Insurance Must Know: Hulyo 2015

Martes, Hulyo 28, 2015

Cases where-in Your Travel Insurance will shoot you back

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“Ber” months are just forty days from now and it means holidays are knocking at the door! A lot of people consider travelling during holidays, to be specific during the Christmas season. They visited their relatives and for some take the off to enjoy family bonding at top tourist destination spots. Purchasing travel insurance in the Philippines is a must! Why? Check out the details here.

Traveling (by land, sea or air) don’t always go according to your plan and expectations, that’s why it is a good idea to understand, reread and rechecked your travel insurance policy before you head off on your ultimate year-end vacation bonanza!

To help you out, here are some cases where-in your travel insurance can knock you out.

Not looking after your things

If your things are lost or stolen when it was left unattended, I’m sorry but it is not covered by the insurance policy. This may also include your wallet left in the cab, or your handy bag under a table out of reach or your huge luggage checked into the hold and was misplaced by the airline. Any valuable things you brought should keep in your hand luggage. Always remember that. The key thing here is that; stick your eyes on your things! And all will be good!

Being Reckless

If you need something to left behind, it is the attitude of being reckless. Travel insurance covers the unforeseen, unexpected and not the situations where you intentionally put yourself at risk. Take note of that! Accidents will have a lot of chance to happen when you are drunk. Injuries both physically and to other’s properties may happen when you are being reckless. And these things are not covered. Slow down things right now. Control your adrenalin.

Involved/Participated in death defying activities

Before doing the stunning activity, make sure that you are covered. High risk activities like sky diving, rock/mountain/cliff climbing, motor sports and combat sports are not always covered by the policy. Check before you do your amazing death defying cliff diving stunt!

Not enough proof or evidence to support your claim

Basic rule is that you have to present enough and authentic evidences to prove your ownership of that item. So it is recommended to keep receipts, photos and serial numbers of your high valuable stuffs. If you experienced theft, report it as soon as possible to the police and secure a copy of the police report. Same thing goes for travel delay expenses. Any money you spend and wish to claim back make sure you keep evidence. You may also need letters from airlines for cancelled flights, medical reports from doctors and proof of travel cancelation.

Not telling the truth

Make sure you are honest with your provider when taking out a policy r in claiming. For some instance, medical claims may be rejected if preexisting medical conditions were not declared at the first place. If you lie about your medical history and then become ill while due to this previous illness or ailment, then your insurer may deny your claim. Ouch! Just be honest on everything.

After knowing these things you are now on a better place. You have known what the scenarios are where your travel insurance will be idle or floating in the air. The key thing here is read that piece of paper!

TAGS: Travel Insurance Philippines

Lunes, Hulyo 20, 2015

Not Just a Fun and Costly Experience!

Travel Insurance Philippines

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Traveling is one of the most rewarding things an individual can treat himself to and as rewarding is availing travel insurance. Traveling gives out a list of benefits not only to the emotional state of the individual but is also helpful to the individual’s mental state.

Traveling increases thinking ability. When an individual is traveling, he is becoming more mindful about the situation he is in. When exposed to foreign language, the human mind has the chance to maximize thinking ability. Being unfamiliar with the language, the individual pays much attention to every bit of communication pattern to search and wait for familiar signals. The human mind uses the signals as context to make meanings and conclusions during the conversation. He is being pushed through the limitations of his own understanding.

When exposed to repetitive things, the human mind creates associations out of their accumulation, and after going through the motions for too long, time away from the day-to-day monotony adds to the quality of how someone sees the world. It breaks the regularity of daily life. Repeated cycle of the day-to-day work could be more tiring than anyone expects it to be. With this, not only the physical body gets tired but the mental capacity of an individual to think right and clear. In line with this, a chance to unwind and be far away from the things an individual regularly encounters is a great help to refresh mind and body. Traveling also gives a chance for the individual to change his perspectives. He is given the chance to improve his way of living.

Also, physical activities and sun exposure during traveling helps in maintaining balance in health. Physical activities help in the regulation of the blood throughout the body system, making the individual active. Walking and running under the sun during a travel also sharpens brain power keeping him focused and mentally sharp about the things happening around him. He concentrates with the activities of his body and does not put the pressure on his mind which is so unlike when he is having his daily work and activities. It also lifts mood and reduces tension in body muscles. In addition, enough sun exposure is beneficial to health. Sun exposure helps in bringing back the glow of an individual inside and out. The sun kisses his face as he walks across the street and marks in the benefits with Vitamin D and a dose of melatonin.

Traveling is truly enjoyable and beneficial to the individual, yet, emergencies may still come. When having a break, travel insurance allows the individual to keep track of and control his belongings. It lessens the stress an individual may encounter during a vacation. Travel insurance doesn’t keep the traveler safe all throughout a travel but rather give the traveler a chance to travel with an assurance to liabilities. This allows him to have an access to medical facilities whenever he needs it during his travel. Travel insurance also is responsible in the cancellation and curtailment of an individual’s flight if necessary.

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