Wednesday, March 23, 2011

Finding Travel Insurance Asia

 

Finding Travel Insurance Asia

By Longen
From towering mountains to tropical beaches, from huge metropolises to tiny, remote villages, Asia is a travel destination with it all!  Whether you are going there for sight-seeing, a relaxing beach vacation, or a unique adventure, making sure that you find the right travel insurance asia policy is critical.

Asia is a diverse continent, with so many options in travel destinations and activities--but this also means that the risks and dangers you may face there can be just as diverse.  Your trip may be interrupted by anything from earthquakes, typhoons, strange illnesses, sports-related injuries, scams, or pickpockets.
It's important to be prepared.  If you do fall victim to one of the dangers of traveling in Asia, you will have enough to worry about without extra financial burdens.  The right travel insurance Asia policy will help you protect yourself and your belongings while you travel, and ease the burdens of any problems that you do encounter.
Here are some tips on the different things that you will want to look for in Asia travel insurance

Health Insurance

Your regular health care provider most likely won't offer you full coverage while you are traveling outside of your home country.  In some cases, they may not offer you coverage at all.  Check out the details and make sure you know what is and isn't covered. 

For most people, you will have to buy some additional travel health coverage. It's important to make sure that you are covered for emergency treatment, and hospital stays.
Make sure that the policy you find has medical evacuation, as well.  In many places in Asia, the health care will not be at the same level as what you are able to get in your home country.  If you have a major medical problem, you may need to be brought home for medical treatment.  A typical medical evacuation from Asia can cost tens of thousands of dollars, or more.  In your travel insurance asia plan, make sure that you are covered for medical evacuation.

Don't assume that just because you've bought medical coverage that you will betable to get reimbursement for any injury or medical problem, either.  Most travel insurance policies will exclude certain activities from their medical coverage.  Since travel in Asia offers you the opportunity to do so many adventurous activities, you have to make sure that you are covered for all of those activities.  Most backpacker travel insurance asia doesn't cover injuries related to sports or adventure travel.  If you plan to do any adventure travel, look for a policy that will cover these things, or that will allow you to take out additional coverage for them.

Make sure that you have adequate health insurance, and that you are covered for all of the activities and destinations that you are planning for your trip.

Trip Insurance

The cost of a round trip flight to Asia can be mind-boggling!  And even within Asia, the costs of plane tickets, trains, hotels, and tours can add up a lot.  Chances are you've been saving a long time for your Asia trip.  What will happen if your flight is canceled or delayed?  What if you miss your flight?  Unless you have trip insurance asia, all the money that you spent may be lost.

Travel insurance Asia should give you coverage for missed flights, as well as other unexpected and uncontrollable changes to your itinerary.  You can get reimbursed for the cost of your flight if you miss it, and you can get a certain amount per day if the flight is delayed.

Baggage and Personal Belongings

Picture this scenario:  After nearly an entire day of travel, 2 connecting flights, little sleep, and nothing but airplane food, you're the last one standing at the baggage carousel, holding onto that last thread of hope that your bags will magically drop onto the belt.  But what will you do if they don't?  On flights to Asia, baggage can more easily become lost, and it may be days (or not at all!) before you get your personal belongings.

Travel insurance Asia will offer you coverage for lost or delayed baggage.  You can get reimbursement for the inconvenience of living out of your carry-on for a week, and reimbursement for the entire value of your belongings if they aren't found.

You should also make sure that you have coverage for lost or stolen money, documents, and other personal items.  Expensive items like cameras are popular targets for thieves, and they should always be insured.  Also, make sure that you look into what you have to do to have your claim paid.  Some travel insurance Asia will require you to show receipts for the cash withdrawal, or a police report to prove that your money was stolen.  Language, cultural barriers, and remote locations can make these things difficult to obtain, so be prepared and plan accordingly.
Where Can You Get Travel Insurance Asia?
The first place to look is your credit card.  If you've purchased your flights or a trip package with a credit card, the card may offer you some coverage.  It most likely won't be comprehensive, but it can offer you some protection for your trip and your belongings.

Also, check with your current health care provider.  They may offer some worldwide travel insurance.  Although it will probably be limited to emergencies, and won't be comprehensive, it can offer you some protection.

Online travel insurance asia is the best choice for most travelers.  There are many insurers offering great deals and great services.  A reliable one should have the full policy wording easily accessible.  Also, do some research and look for reviews from other travelers.  Some insurers have a reputation for finding excuses and loopholes to avoid paying claims, while others have a reputation for being very fair and reliable. 

Be careful about buying budget travel insurance asia, though.  With travel insurance, you get what you pay for, and if a deal seems too good to be true, it probably is. Look into the details of the policy.  The policy may say that it offers trip cancellation coverage.  But it won't do you much good if the coverage is only worth a few hundred dollars when you've spent thousands on flights and hotels.
Finding the right travel insurance for your trip to Asia can let you really enjoy the sights and adventures of this great continent with peace of mind.  You'll know that whatever happens, you're ready

from - http://hubpages.com/hub/Finding-Travel-Insurance-Asia

No comments:

Post a Comment