Travel Protectors
|
|
|
|
|
|
|
| What Kind
of Trip Are You Planning? |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Privacy
Policy
 |
|
Travel Insurance Questions Most
Frequently Asked of Our Staff
|
|
WHY WOULD I NEED TRAVEL INSURANCE
AND ASSISTANCE SERVICES?
 Most
international travelers are inadequately or inappropriately informed about
travel health matters and approximately one traveler in four will experience
at least one illness while abroad.*
Motor
vehicle accidents are an even greater hazard abroad than they are at home,
and constitute the most important threat to the health and well being of
the international traveler.**
In
trauma cases, such as heart attack, you need to act quickly and efficiently
to save a life.
For
a nominal cost, you will have access to immediate medical assistance, to
certified physicians and hospitals anywhere in the world. |
|
|
 ARE
PRE-EXISTING CONDITIONS COVERED?
Pre-existing condition coverage
varies by product. Some of our products provide pre-existing coverage if
you purchase the insurance within 15 calendar days of your initial trip
payment and you purchase "Trip Cancellation" coverage. (The "Cruise, Tour
& Travel" plan offers this option.) |
|
 IS
THERE COVERAGE FOR TERRORISM?
Some of our policies do provide
coverage in the event of a terrorist incident. (The "Cruise, Tour &
Travel" plan offers this option.) |
|
 I
ALREADY HAVE MY OWN HEALTH INSURANCE; AM I COVERED FOR MEDICAL EXPENSES
ABROAD?
Many health providers do not cover
their members for medical expenses abroad. ALWAYS check with your
own health provider first to see if you are medically covered for injury
and illness outside the United States. Be sure to ask them if you are also
covered for medical evacuation, which can cost tens of thousands of dollars.
If you are covered for medical expenses but no other services, you may
still want to consider purchasing one of our plans because we offer so
much more than just medical coverage (such as medical evacuation; 24/7/365
access to physicians, dentists, and pediatricians; in-patient and out-patient
assistance; translations; prescription refills; etc.) |
|
 WHOM
DO I CONTACT ABOUT VACCINATIONS OR OTHER MEDICAL PREVENTION INFORMATION?
Contact the International Society
of Travel Medicine at www.istm.org.
On their web site they list U.S. and worldwide travel clinics where you
can find out if you need vaccinations for your specific destination.
You can also call them at their Stone Mountain, GA location at 770-736-7060. |
|
 IF
I AM ARRIVING IN A COUNTRY A DAY LATER THAN WHEN I LEFT HOME, WHEN SHOULD
I MAKE THE INSURANCE EFFECTIVE?
Insurance coverage should start
the moment you leave your departure point (which is generally your home).
Accidents take place on travel days, on the way to the airport, at the
airport, so you want to be sure you are medically insured for those days. |
|
|
|
WHAT ARE SOME OF THE WAYS TO
STAY SAFE WHEN I TRAVEL TO FOREIGN COUNTRIES?
Basically, one should use common
sense and be prepared. You might want to consider the following tips:
|
Realize that no matter how familiar
or comfortable an area might feel, you are not at home and you should therefore
remain vigilant. |
|
Know where you are going at all
times. |
|
Do your homework by reading guidebooks
and studying maps before your trip. |
|
Leave expensive jewelry and expensive-looking
jewelry at home. |
|
Do not carry valuables, even in
a backpack or locked luggage. |
|
Put valuables in the hotel safe. |
|
Wear a money belt, concealed under
your clothing. |
|
Do not flaunt wallets, purses, cell
phones or cameras. |
|
Avoid unlit places and walking alone.
Stick to well-traveled streets and stay in groups at night. |
|
Be cautious when in a new city –
know the safe areas. |
|
Learn the customs of the country
you are visiting. |
|
Keep in touch with the current political
situations by listening daily to the television or radio, if available. |
|
When in large cities and other popular
tourist destinations, generally avoid places frequented by North Americans
such as bars, discos, US-owned fast food restaurants, branches of US banks,
American churches, US businesses and offices and US consulates and embassies. |
|
Be as inconspicuous in dress and
demeanor as possible. Wear moderate colors and conservative clothing. Avoid
American logos on your belongings and clothing. |
|
Avoid large, loud groups. |
|
Keep away from political demonstrations,
particularly those directed towards the US. |
|
Do not agree to newspaper or other
media interviews regarding political conflicts. |
|
|
|
* THE DOCTOR'S GUIDE TO PROTECTING
YOUR HEALTH BEFORE, DURING AND AFTER INTERNATIONAL TRAVEL by W. Robert
Lange, M.D., M.P.H., Johns Hopkins Medical Institutions, page 3.
** Ibid, page 63. |
|
|
