There are some easy recommendations many car entrepreneurs ignore about following. Still, these recommendations can make it much easier for you when it comes to assessing automated estimates. So the community time you will be looking for a new strategy make sure you keep the following recommendations in ideas.
When should I get automated insurance plan security quotes? The best an opportunity to get automated estimates is 30-45 times before your strategy recovery interval. This will allow you to assess the estimates without having to make quick options and provides you with an adequate and appropriate image of the strategy market in your place currently.
In common, it is recommended to assessment your strategy every two decades and examine if there are more competitive provides available. When you change your automobile, place of real estate asset or wedding place, the plan should also be examined and changed to your new needs.
How automated estimates should be compared? When looking for a new strategy always make sure to assess the same amounts of security and insurance plan insurance deductibles across all estimates. There is no feeling in assessing estimates for different security amounts since the change will not indicate the real divergence in the prices you will pay.
To be able to see how changes in insurance plan insurance deductibles and security amounts will affect your costs you can change them and get estimates for any combination.
However, keep in ideas that different organizations use different techniques of identifying their costs and if one organization gives you certain results when enjoying around with security amounts, this does not mean that the other organization will offer you with the same results. Another factor to concentrate on is that you get real automated estimates, not reviews.
When assessing reviews in most situations the real costs will be greater than the quantity you get in the first place. Insurance estimates, however, are usually ongoing even after buying the strategy and hardly ever change too much. Where can I get quotes? The best resource for automated estimates is of course going on the internet.
There are many websites providing no price automated estimates, and you can even assess estimates from your regional organizations. Of course, you can also get in touch with your agent or deal with the organization immediately. However, this is a bit challenging and useless. It’s much easier to assess estimates after a few bunny clicks, right?
Besides you are not limited to just a number of organizations and are completely able to get any estimates from any organization operating in your place. What should I do when I have already chosen the right quote? If you have discovered the ideal quotation for your car and want to get the particular strategy you can usually use immediately from the website you got estimates at.
You will be relevant immediately to the submission web page at the company website of the plan organization you want to buy from. Still, always make sure to study the content of the strategy before applying. You should know what your strategy will and will not protect before determining upon it. So use only in situation you will know of the real strategy content.
Tuesday, 19 June 2012
Who Are Better Individuals Drivers Men Or Women?
Ever since the advancement of car and when females started using them, the conflict continues to be the same. Men state being better people than females, and this announcement has now become something of a guideline that needs genuine understanding.
Ask just any man, who is better behind the will and many members will definitely discuss female’s people with a lot of paradox. But is it really so, or the understanding in men car owner elegance is nothing but a belief everyone chooses to follow? Fact is that insurance coverage cover companies have already made up their ideas about this conflict and the results are not very contrasting for men.
When priced at for the same amount of insurance coverage cover and the same car, men will generally get higher prices than females. This is because insurance coverage cover companies respect men people being more risky car owners than female are people. And they have the statistical details to confirm it.
According to declare history, young men people usually end up in far more accidents than female’s people of the same age. Men usually take risks more often, and usually have more traffic violations than females. Besides, the loss of life amount rate in car accidents for men is 3 times higher than for females.
And insurance coverage cover companies sure keep this information in ideas when identifying estimates. Of course, such research to some extent owe to the factor that there are far more men people on the road and because of that they have more accidents in general. However, in the past couple of years there was a stable development of the number of females people on the road and today the details is somewhat similar between genders.
So when you start thinking and thinking and arguing about sex and producing capabilities, keep in ideas the difference you have when it comes to paying for automatic insurance coverage cover. The common understanding that men are better at producing is to some extent due to the factor that men are generally better in things that issue ranking and action. Men usually remember small details about the road and location better and quicker than females, so it’s easier for them to make the right choices when necessary.
In evaluation, females usually get lost and not know the actual path they have to follow in order to get to the place they need, and because of that they can make a lot of faults. Still, there can be one thing that really unique men people from their females co-workers - mind-set.
There is no questioning the factor that men are a lot aggressive on the road than females. Male people usually take risks and exceed the published posted speed restrict far more often than females, and this of course reveals in their producing information and automatic insurance coverage cover expenditures.
Of course, there are a lot of reckless females people on the road as well, but it’s always much easier to see a man behind the rim of the car that reduces in all time rather than a woman. And that is exactly why automatic coverage cover companies are following such a prejudiced policy when it comes to identifying insurance coverage cover expenditures.
Ask just any man, who is better behind the will and many members will definitely discuss female’s people with a lot of paradox. But is it really so, or the understanding in men car owner elegance is nothing but a belief everyone chooses to follow? Fact is that insurance coverage cover companies have already made up their ideas about this conflict and the results are not very contrasting for men.
When priced at for the same amount of insurance coverage cover and the same car, men will generally get higher prices than females. This is because insurance coverage cover companies respect men people being more risky car owners than female are people. And they have the statistical details to confirm it.
According to declare history, young men people usually end up in far more accidents than female’s people of the same age. Men usually take risks more often, and usually have more traffic violations than females. Besides, the loss of life amount rate in car accidents for men is 3 times higher than for females.
And insurance coverage cover companies sure keep this information in ideas when identifying estimates. Of course, such research to some extent owe to the factor that there are far more men people on the road and because of that they have more accidents in general. However, in the past couple of years there was a stable development of the number of females people on the road and today the details is somewhat similar between genders.
So when you start thinking and thinking and arguing about sex and producing capabilities, keep in ideas the difference you have when it comes to paying for automatic insurance coverage cover. The common understanding that men are better at producing is to some extent due to the factor that men are generally better in things that issue ranking and action. Men usually remember small details about the road and location better and quicker than females, so it’s easier for them to make the right choices when necessary.
In evaluation, females usually get lost and not know the actual path they have to follow in order to get to the place they need, and because of that they can make a lot of faults. Still, there can be one thing that really unique men people from their females co-workers - mind-set.
There is no questioning the factor that men are a lot aggressive on the road than females. Male people usually take risks and exceed the published posted speed restrict far more often than females, and this of course reveals in their producing information and automatic insurance coverage cover expenditures.
Of course, there are a lot of reckless females people on the road as well, but it’s always much easier to see a man behind the rim of the car that reduces in all time rather than a woman. And that is exactly why automatic coverage cover companies are following such a prejudiced policy when it comes to identifying insurance coverage cover expenditures.
Why You May Be Regarded As A Great Danger Driver?
When you are holding out to get accepted for automated insurance strategy policy, there are a lot of factors that can impact the choice of the company. And the bad information for car proprietor is that insurance strategy policy companies usually cope with analysis to be able to determine your risk quality.
There were a lot of research and analysis created to be able to help companies determine their risk quicker and more accurate, and because of that you can be placed in a certain risk distinction just by seeing which statistical team you fit in with. If you end up being in the risky team your insurance strategy policy program can be dropped or you can get higher prices than other people.
This is because insurance strategy policy companies are very restless when getting upcoming customers and are not willing to take apparent risks without having the economical protection for doing so. Excellent risk people are whom the strategy companies usually want to prevent, because such car company owners usually cause too much expenses due to more typical accidents and claims.
And it’s apparent that any satisfied company would want to cut down their expenses and improve their income. That is why risky people are not very lucky when it comes to getting automated estimates. But what causes you to be considered as one? Among the set of factors that can put you in the risky team, age is one of the most well-known, and some would say, unfair.
Declare analysis display that youthful people usually get into accidents a lot more often than more mature people. Deficit of appropriate producing encounter, typical aggressive producing design and trend to take risks creates youngster people a very risky distinction. This is the significant cause for youngsters to get great automated estimates when getting their first guidelines.
Driving an expensive or quick and impressive car can also position you in a form of risky people. Such automobiles usually have higher fix expenses and need unique areas and solutions, which not all companies would be willing to execute. Right when getting automated estimates you will notice that the more expensive and impressive the car is the more you will have to pay for guaranteeing it.
Gender also affects your risk ranking. Most men people believe that females are the most frightening factor behind the rim, but analysis condition otherwise. Actually, females usually get better automated estimates, because in typical females people usually get in far less accidents than men.
Of course, this is to some extent due to the factor that there are less female’s people on the road than men car company owners. But still, females are usually less aggressive in guests and this reveals in insurance strategy policy expenses. It will sure seem prejudiced to men people, but you cannot go against the analysis.
And let us not ignore about your producing record. If it’s loaded with goes, minor accidents, guests violations and other evidence of your reckless activities on the road, then you will certainly get higher costs, if any at all. You can be dropped protection absolutely if you producing record are bad enough. So make sure to keep it fresh and fresh when looking for good automated estimates.
There were a lot of research and analysis created to be able to help companies determine their risk quicker and more accurate, and because of that you can be placed in a certain risk distinction just by seeing which statistical team you fit in with. If you end up being in the risky team your insurance strategy policy program can be dropped or you can get higher prices than other people.
This is because insurance strategy policy companies are very restless when getting upcoming customers and are not willing to take apparent risks without having the economical protection for doing so. Excellent risk people are whom the strategy companies usually want to prevent, because such car company owners usually cause too much expenses due to more typical accidents and claims.
And it’s apparent that any satisfied company would want to cut down their expenses and improve their income. That is why risky people are not very lucky when it comes to getting automated estimates. But what causes you to be considered as one? Among the set of factors that can put you in the risky team, age is one of the most well-known, and some would say, unfair.
Declare analysis display that youthful people usually get into accidents a lot more often than more mature people. Deficit of appropriate producing encounter, typical aggressive producing design and trend to take risks creates youngster people a very risky distinction. This is the significant cause for youngsters to get great automated estimates when getting their first guidelines.
Driving an expensive or quick and impressive car can also position you in a form of risky people. Such automobiles usually have higher fix expenses and need unique areas and solutions, which not all companies would be willing to execute. Right when getting automated estimates you will notice that the more expensive and impressive the car is the more you will have to pay for guaranteeing it.
Gender also affects your risk ranking. Most men people believe that females are the most frightening factor behind the rim, but analysis condition otherwise. Actually, females usually get better automated estimates, because in typical females people usually get in far less accidents than men.
Of course, this is to some extent due to the factor that there are less female’s people on the road than men car company owners. But still, females are usually less aggressive in guests and this reveals in insurance strategy policy expenses. It will sure seem prejudiced to men people, but you cannot go against the analysis.
And let us not ignore about your producing record. If it’s loaded with goes, minor accidents, guests violations and other evidence of your reckless activities on the road, then you will certainly get higher costs, if any at all. You can be dropped protection absolutely if you producing record are bad enough. So make sure to keep it fresh and fresh when looking for good automated estimates.
Monday, 23 April 2012
News from Travel Underwriter
Planning to cross the border in your vehicle over the next few months? According to Statistics Canada, Canadians made 2.5 million same-day car trips to the United States in December 2011—the highest monthly level since May 1998. With a consistently strong Canadian dollar and increased duty-free limits, we expect these numbers to increase throughout the year.
Travelling by motor vehicle as a driver or passenger can be dangerous. Motor vehicle accidents are the second leading cause of all hospitalizations in Canada. However, the risks become even greater when driving in a foreign country, where road conditions, driving habits, and rules can be vastly different than at home.
With that in mind, not all travel insurance policies are created equal. In fact, some travel insurance companies exclude any claims related to motor vehicle accidents altogether. This is not the case with Travel Underwriters. Travel Underwriters provide full medical assistance whenever possible, making sure your clients are taken care of at the most difficult times. And while your auto insurers are the first payers, Travel Underwriters will cover eligible expenses in excess of their auto insurance policies.
In many situations, the expenses can be staggering. Consider this recent example:
A 59-year-old man was driving in Northern California when he lost control and crashed into an embankment at 90 km/h. He sustained numerous life threatening injuries. And while his auto insurance carrier was the primary insurer, the nature of the medical attention required meant that its benefits were soon exhausted.
Ambulance …………………………………………….…..... $2,200
Hospital & Doctor’s Fees …...................... $375,157
Auto Insurance Contribution ………………….. -$157,000
Provincial Medical Plan Contribution ……….…. -$3,345
Covered by Travel Underwriters ……. $217,012
Should you have any questions regarding the benefits of Travel Underwriters’ policies, please feel free to contact us by phone (1-888-267-4461) or email (info@biis.ca)
Thank you,
Travelling by motor vehicle as a driver or passenger can be dangerous. Motor vehicle accidents are the second leading cause of all hospitalizations in Canada. However, the risks become even greater when driving in a foreign country, where road conditions, driving habits, and rules can be vastly different than at home.
With that in mind, not all travel insurance policies are created equal. In fact, some travel insurance companies exclude any claims related to motor vehicle accidents altogether. This is not the case with Travel Underwriters. Travel Underwriters provide full medical assistance whenever possible, making sure your clients are taken care of at the most difficult times. And while your auto insurers are the first payers, Travel Underwriters will cover eligible expenses in excess of their auto insurance policies.
In many situations, the expenses can be staggering. Consider this recent example:
A 59-year-old man was driving in Northern California when he lost control and crashed into an embankment at 90 km/h. He sustained numerous life threatening injuries. And while his auto insurance carrier was the primary insurer, the nature of the medical attention required meant that its benefits were soon exhausted.
Ambulance …………………………………………….…..... $2,200
Hospital & Doctor’s Fees …...................... $375,157
Auto Insurance Contribution ………………….. -$157,000
Provincial Medical Plan Contribution ……….…. -$3,345
Covered by Travel Underwriters ……. $217,012
Should you have any questions regarding the benefits of Travel Underwriters’ policies, please feel free to contact us by phone (1-888-267-4461) or email (info@biis.ca)
Thank you,
Thursday, 21 July 2011
Trip Cancellation and Interruption Insurance
Title: THIA Urges Insurance Cover for Hurricane Season
TORONTO, ONTARIO--(Marketwire - July 6, 2011) - With the 2011 hurricane
season heating up, the Travel Health Insurance Association of Canada
(THIA) urges all vacationers heading to the southern and eastern United
States, or into the Caribbean region, to obtain trip-cancellation/interruption
insurance to protect against the possibility of storms wiping out their
travel investments.
David Hartman, president of THIA, says that trip cancellation/interruption
policies helped many thousands of travellers affected by volcanic ash
disruptions in Europe last year and more recently in Australia and
New Zealand. \"Since then, trip cancellation insurance has become an
essential component of insurance coverage for experienced travellers
and could be just as effective for vacationers impacted by tropical
storms over the next several months,\" he adds.
Traditionally, hurricane season runs from June 1 to November 30, with
the peak occurring during August and September, although major storms
have also caused considerable personal and property damage in July
and October in recent years.
Mr. Hartman emphasizes that trip cancellation/interruption policies
are specifically designed to reimburse travellers for monetary losses
due to trips, tours or services cancelled, delayed or interrupted because
of unforeseen natural events such as bad weather, volcanic eruptions,
earthquakes, wild fires, even man-made civil disturbances such as those
that occurred in Egypt earlier this year.
Trip cancellation/interruption insurance normally covers:
* The prepaid, non-refundable portions of airfares, tours, hotel or
resort fees, or other cancelled or interrupted trip events or services,
up to limits specified in each policy.
* Accommodation, meal, telephone, ground transportation and other out-of-pocket
costs for travellers stranded or delayed by missed flights or rerouting
of cruise ships due to weather or other unexpected contingencies.
* 24/7 emergency assistance to help insured travellers disrupted by
natural or man-made events get home safely and as quickly as possible.
* Baggage and other personal items lost to storms or other unforeseeable
disruptions.
Most travel insurers in Canada offer either stand-alone trip cancellation
policies or include such benefits in comprehensive travel health insurance
plans, says Mr. Hartman. But he cautions that plans differ, they have
limits on the amounts and the events they will cover, and travellers
need to understand their policies and discuss them with their travel
insurance advisors.
He also notes that trip cancellation/interruption plans need to be
bought concurrently with trip purchases or very shortly thereafter.
Once hurricane warnings are posted by the U.S. National Oceanic and
Atmospheric Administration (NOAA) or by Canada's Department of Foreign
Affairs and International Trade (DFAIT), new trip cancellation policies
will not cover losses in the affected areas.
About THIA. THIA is the national organization representing travel insurers,
brokers, underwriters, re-insurers, emergency assistance companies,
air ambulance companies and allied services in the travel insurance
field. Its website is http://www.thiaonline.com/
TORONTO, ONTARIO--(Marketwire - July 6, 2011) - With the 2011 hurricane
season heating up, the Travel Health Insurance Association of Canada
(THIA) urges all vacationers heading to the southern and eastern United
States, or into the Caribbean region, to obtain trip-cancellation/interruption
insurance to protect against the possibility of storms wiping out their
travel investments.
David Hartman, president of THIA, says that trip cancellation/interruption
policies helped many thousands of travellers affected by volcanic ash
disruptions in Europe last year and more recently in Australia and
New Zealand. \"Since then, trip cancellation insurance has become an
essential component of insurance coverage for experienced travellers
and could be just as effective for vacationers impacted by tropical
storms over the next several months,\" he adds.
Traditionally, hurricane season runs from June 1 to November 30, with
the peak occurring during August and September, although major storms
have also caused considerable personal and property damage in July
and October in recent years.
Mr. Hartman emphasizes that trip cancellation/interruption policies
are specifically designed to reimburse travellers for monetary losses
due to trips, tours or services cancelled, delayed or interrupted because
of unforeseen natural events such as bad weather, volcanic eruptions,
earthquakes, wild fires, even man-made civil disturbances such as those
that occurred in Egypt earlier this year.
Trip cancellation/interruption insurance normally covers:
* The prepaid, non-refundable portions of airfares, tours, hotel or
resort fees, or other cancelled or interrupted trip events or services,
up to limits specified in each policy.
* Accommodation, meal, telephone, ground transportation and other out-of-pocket
costs for travellers stranded or delayed by missed flights or rerouting
of cruise ships due to weather or other unexpected contingencies.
* 24/7 emergency assistance to help insured travellers disrupted by
natural or man-made events get home safely and as quickly as possible.
* Baggage and other personal items lost to storms or other unforeseeable
disruptions.
Most travel insurers in Canada offer either stand-alone trip cancellation
policies or include such benefits in comprehensive travel health insurance
plans, says Mr. Hartman. But he cautions that plans differ, they have
limits on the amounts and the events they will cover, and travellers
need to understand their policies and discuss them with their travel
insurance advisors.
He also notes that trip cancellation/interruption plans need to be
bought concurrently with trip purchases or very shortly thereafter.
Once hurricane warnings are posted by the U.S. National Oceanic and
Atmospheric Administration (NOAA) or by Canada's Department of Foreign
Affairs and International Trade (DFAIT), new trip cancellation policies
will not cover losses in the affected areas.
About THIA. THIA is the national organization representing travel insurers,
brokers, underwriters, re-insurers, emergency assistance companies,
air ambulance companies and allied services in the travel insurance
field. Its website is http://www.thiaonline.com/
Saturday, 12 February 2011
Seven Ways to Offer the Best Deal on Travel Insurance(Can-Am)
Seven Ways to Offer the Best Deal on Travel Insurance (Can-Am)
Everyone loves getting the best price on their hotel, car rental and airfare when they take a trip. But what about travel insurance? Here are seven easy ways we can help our clients save money on Manulife Travel Insurance when they are preparing for a trip – they’ll love having more left in their pocket to enjoy at their destination!
Save 50% with Travel Canada Savings
Heading to St. John’s or Saskatoon? Any Single-Trip Emergency Medical plan is half the standard out-of-country rate when all the travel is within Canada.
Save 5% with Travel Companion Savings for Any Emergency Medical Plan
Now that’s a good reason not to travel alone.
Family Coverage for Any Emergency Medical Plan
No matter how many dependent kids under the age of 21 (26 if they are full-time students) are travelling with our client, the premium cost for the entire family will equal just twice the premium of the oldest traveller under the age of 55. Isn’t it better to spend those dollars saved on building cherished family memories?
Savings Combinations, Too!
If our client is going on a great Canadian adventure with a friend, combine the Travel Companion Savings with the Travel Canada rates for even bigger savings. You can combine Family Coverage savings with Travel Canada savings, too!
Deductible Savings Options
As with car insurance, you can increase the deductible on single-trip and multi-trip emergency medical coverage for trips outside of Canada – the higher the deductible, the greater the savings. All Manulife Out-of-Province Travel Insurance plans include a $0 deductible – with all eligible expenses paid from dollar one. Can our client afford to pay $500 out of pocket? It would save them 15%. A $1,000 deductible? That’s a 20% savings.
Travel Often?
Offering economical Multi-Trip Coverage can save our client time and money, plus provide the convenience, value and flexibility that comes with knowing any trip they plan over the year is already taken care of. And a Multi-Trip Plan allows unlimited travel within Canada to other provinces or territories!
And don’t forget Top-Up!
Our client may already have coverage under their group insurance plan or their credit card. Find out how long they are covered, and use the Top-Up option to extend coverage for as long as they need it – with no money wasted on ‘double coverage.’¹
¹ It is the client’s responsibility to confirm that a Top-Up is permitted on the existing plan with no loss of coverage.
Conditions, Exclusions and Limitations may apply.
Quoted by the website of The Manufacturers Life Insurance Company (Manulife Financial).
Friday, 24 September 2010
Message from Dr Michael Moreton
TRAVEL INSURANCE
Your vacation is coming up; it’s all so exciting you can hardly sit still. Passports found and checked, flights booked and confirmed, hotels selected and reservations made, clothes chosen and packed, travelers cheques purchased, arrangements made for friends to feed the dog and check your house.
Is there anything you have forgotten? What about Travel Insurance? Oh sure, travel insurance, that’s dull stuff, do you really need that? You’ve never lost a bag and you have a good feeling about things, there is no need for Travel Insurance.
WRONG! There is a very definite need for Travel Insurance and the need is much greater for Canadians than for many other people and yet many travelers are very casual about obtaining it.
Travel Insurance covers many eventualities. If your flight is cancelled and you are stranded or if your bag is missing and you are in a strange place without even a toothbrush, the insurance will help to defray your expenses.
These, however, are not the most important or expensive eventualities that are covered. The most important is Health Care Insurance for Canadians abroad or expatriate while you are out of the country.
British travelers are more casual about purchasing this type of insurance than are Americans or Europeans. The NHS, with all its faults, is always there for you and many people rarely think about private Health Insurance. This is spite of the fact that your NHS coverage is of no help when you are out of the country.
The concept of the ‘uninsured patient” is not part of the British, Canadian, Australian or New Zealand experience. Neither is the phenomenon of patients being turned away from hospitals as they have no insurance or cannot document their coverage. But if you are taken ill or injured in a foreign country and you do not have travel insurance you are an uninsured patient and may have trouble getting care.
Robert Jackson was looking forward to his visit to South East Asia. He spent several months planning his trip. Reading the history of the countries that he would visit and creating a demanding schedule for himself. He was planning to travel to the less visited areas in Northern Thailand and visit as many of the holy sites as he could cram into his schedule. He had not had any serious illness for several years and his Family Doctor and the local NHS hospital had taken care of all his minor Health problems. He did not obtain any travel insurance.
He had many plans but not planning on visiting the Intensive Care Unit of a Bangkok Hospital, he was not planning on spending over forty-eight hours unconscious, he was not planning on multiple surgeries, neither was he planning on intensive rehabilitation, but that is just what he got.
In spite of the fact that he was not too agile and had never ridden a motor-bike in over ten years, he decided to rent a motor bike and ride around the back roads in Thailand. A truck that he was following too closely suddenly braked. Robert flew through the air and landed on his face in the road. Fortunately he was transported into the city quickly and brought to the Bangkok Hospital Medical Center, a tertiary care JCI Accredited facility. As he was unconscious he was admitted to the Neurological Intensive Care unit.
His family was contacted and consent for treatment obtained. They were not aware if Robert had any private Health Insurance and were reluctant to guarantee payment for the care. In spite of this he received excellent care and is now on his way to full recovery after multiple surgeries for his facial fractures and skin grafting to other wounds. He was obliged to take out a considerable bank loan to cover his care.
Melanie Albert was working as a volunteer in a children’s care home in Cambodia. After eating a very spicy dinner one evening she started to have abdominal pain. Thinking it was indigestion she initially ignored the pain but by the following morning realized that this might be something more serious than an upset stomach. She had not obtained any insurance when she left Canada and naively thought that the province would cover her medical expenses while out of the country. After been seen in the clinic she was flown to Bangkok. A diagnosis of Appendicitis was made and she had an operation on the same day. Her family came out from Canada and were able to have funds transferred to cover the cost of her care.
She was particularly fortunate as she was able to get to Bangkok on a commercial flight. If she had needed to have a special air-ambulance the cost would have been enormous. One of the features that is always included in Travel Insurance is Evacuation Insurance, this covers the cost of you being transported to a good medical center close to your accident or where you were taken ill.
It also covers the expense of getting you home after treatment has reached that point that you are ready to travel. Recently another British patient needed to be transported back to Canada after Surgery and Intensive Care treatment for a collapsed lung which happened quite spontaneously and without warning.
He needed a nurse and a doctor to travel with him as he was taking anti-coagulants and there was the possibility that he might need extra oxygen on the flight. He was flown from Bangkok to London; he traveled Business class with his two attendants. Luckily he had good coverage for this very expensive journey.
These three patients were all fit young people with no previous medical illnesses who had no reason to believe that they would need hospital care during their vacation. That is the whole point about Insurance it is there to help you when the unexpected happens
Travel Insurance is surprisingly inexpensive and for a young person may be as little as $25 for a three week vacation. I would suggest that you purchase this before you leave home. The Information Center that the insurer provides can be very useful to you, as they will be able to direct you to the best Medical facility wherever you are in the world.
Whatever insurance you have, keep the details of the policy and call center number with you, on your person, at all times. I hope you have a wonderful trip and do not need any medical services, but it is best to plan for all eventualities.
Dr Michael Moreton trained as an Obstetrician and Gynecologist in Montreal, Canada. He practised in Ottawa, then in Beijing and Shanghai. He is the International Medical Coordinator at the Bangkok Hospital Medical Center. Bangkok, Thailand.
Moreton@bgh.co.th
Your vacation is coming up; it’s all so exciting you can hardly sit still. Passports found and checked, flights booked and confirmed, hotels selected and reservations made, clothes chosen and packed, travelers cheques purchased, arrangements made for friends to feed the dog and check your house.
Is there anything you have forgotten? What about Travel Insurance? Oh sure, travel insurance, that’s dull stuff, do you really need that? You’ve never lost a bag and you have a good feeling about things, there is no need for Travel Insurance.
WRONG! There is a very definite need for Travel Insurance and the need is much greater for Canadians than for many other people and yet many travelers are very casual about obtaining it.
Travel Insurance covers many eventualities. If your flight is cancelled and you are stranded or if your bag is missing and you are in a strange place without even a toothbrush, the insurance will help to defray your expenses.
These, however, are not the most important or expensive eventualities that are covered. The most important is Health Care Insurance for Canadians abroad or expatriate while you are out of the country.
British travelers are more casual about purchasing this type of insurance than are Americans or Europeans. The NHS, with all its faults, is always there for you and many people rarely think about private Health Insurance. This is spite of the fact that your NHS coverage is of no help when you are out of the country.
The concept of the ‘uninsured patient” is not part of the British, Canadian, Australian or New Zealand experience. Neither is the phenomenon of patients being turned away from hospitals as they have no insurance or cannot document their coverage. But if you are taken ill or injured in a foreign country and you do not have travel insurance you are an uninsured patient and may have trouble getting care.
Robert Jackson was looking forward to his visit to South East Asia. He spent several months planning his trip. Reading the history of the countries that he would visit and creating a demanding schedule for himself. He was planning to travel to the less visited areas in Northern Thailand and visit as many of the holy sites as he could cram into his schedule. He had not had any serious illness for several years and his Family Doctor and the local NHS hospital had taken care of all his minor Health problems. He did not obtain any travel insurance.
He had many plans but not planning on visiting the Intensive Care Unit of a Bangkok Hospital, he was not planning on spending over forty-eight hours unconscious, he was not planning on multiple surgeries, neither was he planning on intensive rehabilitation, but that is just what he got.
In spite of the fact that he was not too agile and had never ridden a motor-bike in over ten years, he decided to rent a motor bike and ride around the back roads in Thailand. A truck that he was following too closely suddenly braked. Robert flew through the air and landed on his face in the road. Fortunately he was transported into the city quickly and brought to the Bangkok Hospital Medical Center, a tertiary care JCI Accredited facility. As he was unconscious he was admitted to the Neurological Intensive Care unit.
His family was contacted and consent for treatment obtained. They were not aware if Robert had any private Health Insurance and were reluctant to guarantee payment for the care. In spite of this he received excellent care and is now on his way to full recovery after multiple surgeries for his facial fractures and skin grafting to other wounds. He was obliged to take out a considerable bank loan to cover his care.
Melanie Albert was working as a volunteer in a children’s care home in Cambodia. After eating a very spicy dinner one evening she started to have abdominal pain. Thinking it was indigestion she initially ignored the pain but by the following morning realized that this might be something more serious than an upset stomach. She had not obtained any insurance when she left Canada and naively thought that the province would cover her medical expenses while out of the country. After been seen in the clinic she was flown to Bangkok. A diagnosis of Appendicitis was made and she had an operation on the same day. Her family came out from Canada and were able to have funds transferred to cover the cost of her care.
She was particularly fortunate as she was able to get to Bangkok on a commercial flight. If she had needed to have a special air-ambulance the cost would have been enormous. One of the features that is always included in Travel Insurance is Evacuation Insurance, this covers the cost of you being transported to a good medical center close to your accident or where you were taken ill.
It also covers the expense of getting you home after treatment has reached that point that you are ready to travel. Recently another British patient needed to be transported back to Canada after Surgery and Intensive Care treatment for a collapsed lung which happened quite spontaneously and without warning.
He needed a nurse and a doctor to travel with him as he was taking anti-coagulants and there was the possibility that he might need extra oxygen on the flight. He was flown from Bangkok to London; he traveled Business class with his two attendants. Luckily he had good coverage for this very expensive journey.
These three patients were all fit young people with no previous medical illnesses who had no reason to believe that they would need hospital care during their vacation. That is the whole point about Insurance it is there to help you when the unexpected happens
Travel Insurance is surprisingly inexpensive and for a young person may be as little as $25 for a three week vacation. I would suggest that you purchase this before you leave home. The Information Center that the insurer provides can be very useful to you, as they will be able to direct you to the best Medical facility wherever you are in the world.
Whatever insurance you have, keep the details of the policy and call center number with you, on your person, at all times. I hope you have a wonderful trip and do not need any medical services, but it is best to plan for all eventualities.
Dr Michael Moreton trained as an Obstetrician and Gynecologist in Montreal, Canada. He practised in Ottawa, then in Beijing and Shanghai. He is the International Medical Coordinator at the Bangkok Hospital Medical Center. Bangkok, Thailand.
Moreton@bgh.co.th
Subscribe to:
Posts (Atom)