How Does Travel Insurance Works

How Does Travel
Insurance Works
Travel Insurance
www.ZTravelInsurance.com

How Does Travel Insurance Works
1
Travel Insurance Basics You
Need to Know before you Travel
5
Preparing Travel Documents for
your Trip Abroad
11
TABLE OF CONTENTS

How DoesHow DoesHow Does
Travel InsuranceTravel InsuranceTravel Insurance
Works?Works?Works?

Visitors Health Insurance
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Most people are aware that traveling requires them to
acquire a certain type of insurance policy that is more
specifically known as travel insurance. However,
most people don’t really understand how this policy
works. By equipping yourself with thorough
understanding about travel insurance policies, it would
be easier for you to make smart decision when the need
for you to buy this type insurance arises.
What is Travel Insurance?What is Travel Insurance?What is Travel Insurance?
Travel insurance, which is also known as holiday or
visitor’s insurance, is a type of policy designed to
provide financial protection and support to travelers in
case a misfortune happen during their trip. This policy
covers the policyholder for a certain amount of time,
ideally throughout the duration of the trip. It gives
protection against circumstances such as accidents,
injuries, illnesses, delayed flights, cancelled trips, and
lost baggage, among many others. In the event that any
of these scenarios occur, the insurance company will

give monetary support to the insurance policy holder.
How Does Travel Insurance Work?How Does Travel Insurance Work?How Does Travel Insurance Work?
First, a traveler will buy an insurance policy from an
insurance company. The traveler will sign a contract
wherein it is stipulated the insurance company will
give monetary support in case of unfortunate events.
These unfortunate events will be discussed in detail in
the contract so that if one of these happens, the policy
holder can make a claim o the policy.
What are the Different Types ofWhat are the Different Types ofWhat are the Different Types of
Travel Insurance?Travel Insurance?Travel Insurance?
Insurance policies come in all shapes and sizes. Each
type has its own set of inclusions. Common examples
of travel insurance include health insurance for
international students, visitor medical insurance,
short term travel insurance, long term travel insurance,
travel insurance for families, travel insurance for

families, travel insurance for elderly, and travel
insurance for people with pre-existing medical
conditions. It is important that you get to know each
option so that you can pick one that is most appropriate
for you.
What Does Travel Insurance Cover?What Does Travel Insurance Cover?What Does Travel Insurance Cover?
The coverage of each travel insurance differs per
policy but most of them give the following benefits:
 Medical and health coverage to take care of
treatment costs and medical expenses if the
policyholder becomes sick during the trip
 Loss and theft coverage to pay for the monetary
loss of the policyholder if any of his/her valuables
are stolen or lost (e.g. baggage loss, passport and
visa loss, and so on)
 Trip cancellation or delay to give compensation for
flights or travels that have been cancelled, delayed,
or missed.

Travel Insurance TipsTravel Insurance TipsTravel Insurance Tips
Before you go out and buy your travel insurance for
your upcoming vacation, see to it that you exhaust all
means possible to compare the rates and deals in the
market. This way, you can be sure that you will end up
with the one that will give you the best value for your
money. Also, see to it that you always keep all your
travel insurance documents with you when you travel.
Never leave the hotel without it. If you’re going to
make a claim, contact the insurance company
immediately and submit requirements like medical
records, police reports, and so on.

Travel Insurance
Basics You Need to
Know
Before You Travel

Traveling abroad has many perks. For one, you get
to see spectacular sights you don’t normally see
everyday. Apart from that, you also get to meet new
people, experience different culture, and learn
about so many valuable things including a place’s
history and heritage. Moreover, during a vacation,
you will not only get the relaxation that you need,
you also get to do different kinds of activities that
will give you a rush like no other. It is for these
reasons why people constantly have that inherent
urge to go places.
Now before you pack your bags and get on to the
next flight available, you have to remember that
traveling is not all about fun and excitement. It also
requires careful planning and preparation if you
want your journey to be a safe and successful one.
One of the things that you would definitely need to
plan for is the travel insurance. Travel insurance is
like a financial “safety net” that protects you from
various kinds of adverse scenarios that can happen

during your trip.
In order for you to make a smart choice when you
purchase a travel insurance, here are the top things
that you should know about:
CoverageCoverageCoverage
A good travel insurance policy will cover all sorts
of misfortunes ranging from minor ones like minor
illnesses, insect bites, mild injuries to major
catastrophes like broken limbs, serious accidents,
medical bills, and emergency evacuation. Apart
from illnesses and accidents, a policy should also
cover lost baggage, delayed flights, cancelled flights,
and so on. The policy should compensate for
whatever monetary loss, inconvenience, pain and
suffering that you have endured because of these
circumstances.

Exclusions in the CoverageExclusions in the CoverageExclusions in the Coverage
Insurance coverage differs per policy. But usually,
insurance don’t cover chemical attacks, injuries
caused acts of terrorism, civil war, or commotion,
illnesses due to alcohol or illegal drug use, injuries
caused by dangerous or extreme sports, attacks
from pre-existing medical records such as diabetes
or hypertension.
Insurance Travel TipsInsurance Travel TipsInsurance Travel Tips
 Purchase travel insurance prior to your trip. It is
always best to buy insurance before you even
book your vacation. This way, you can be
covered for any possible unfortunate event that
may arise even before you vacation begins.
 Study your options. There are many kinds of
travel insurance, which include but are not
limited to international student insurance,

visitor health insurance, insurance for senior
citizen, insurance for people with pre-existing
medical conditions, and so on. It is important
that you study all the options available along
with the costs and inclusions so you can choose
the policy appropriate for you.
 Keep a photocopy of all your travel insurance
documents when you travel.
 In the event of a medical emergency or accident,
you need to submit the following information to
the insurance company: police reports, medical
bills, doctors’ reports, boarding passes and
tickets, and so on.
 See to it that you have the necessary travel
insurance company information with you before
you travel. You should have the number to the
company’s 24-hour emergency hotline.

These are just few of the many things that you need
to know about travel insurance. Make sure that you
thoroughly study about it before you go on with
your trip.

Preparing
Travel Documents
for
Your Trip Abroad

You have finally decided to go on a trip to take a
break from your life’s daily hustle and bustle. It’s
good for you and your health. After all, you’ve been
working so hard and you truly deserve a break. But
before you think that having a vacation is all about
the nicest things, you have to remember that it also
entails some kind of work that comes in the form of
planning and preparation. Preparing travel
documents is one of the most important things that
you need to accomplish prior to the trip. Knowing
what you should prepare and what you should do
would lessen the stress involved in this task. Here
are some of the travel documents that you cannot
leave home without.
Passport and VisasPassport and VisasPassport and Visas
Wherever your destination is you will need a valid
passport, one that is not yet expired. Ideally, your
passport should be at least six months away from

being expired when you travel. If you’re going out of
the country, you may also need a visa depending on
your destination. To get a visa, you need to apply for
one at the consulate or embassy of the country
located in your vicinity. For instance, if you are
going to travel to Switzerland, you need to visit the
Swiss Embassy in your location. It is important that
you give yourself ample time for the visa and
passport processing as these take time. Make sure
to have the complete requirements for the visa
application so you have better chances of getting
your application approved.
Travel insurance is another travel essential that
you need. Most visa applications require submission
of a travel insurance policy with sufficient coverage.
Some countries refuse entry if you do not have
travel insurance even if you have the proper visa. It
is also vital that you get the correct type of travel

that you get the correct type of travel insurance for
yourself. For example, if you don’t have any medical
insurance, it is imperative that you purchase
visitors health insurance. Now if your trip is not
about pleasure but about taking up education in a
foreign land, you must obtain international
student health insurance.
Airline Tickets andAirline Tickets andAirline Tickets and
Hotel AccommodationHotel AccommodationHotel Accommodation
See to it that you triple check for these documents
before you leave home. You won’t be able to step in
to the plane or stay at the hotel you booked a
reservation for if you do not have the necessary
travel documents with you. That is unless you have
your computer or cellphone with internet that carry
these documents digitally. Even so, you must have
the hard copies of these documents to be on the safe
side.

List of Important Phone NumbersList of Important Phone NumbersList of Important Phone Numbers
Many people neglect the importance of having a list
of important phone numbers. But when the
emergency arises, they wish they had it. Before you
leave home, create a list of the phone numbers of
who you should call in the event that travel
documents or credit cards get lost. These include
phone numbers of banks, credit card companies,
insurance companies and so on. You must also have
emergency phone numbers of your destination’s
hospitals, police stations, and so on. Finally, make a
list of the phone numbers that you should call back
home in case of an emergency. These include your
immediate family, trusted friends, and reliable
neighbors.

Next time… be prepared!
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How Does Travel Insurance Works

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How Does Travel Insurance Works