Mexican Riviera Beaches -Puerto Vallarta Villa Rentals, Hotels, Resorts

Travelers Discover the Importance of Travel Insurance in Lieu of Terrorist Plots

Springfield, MO (PRWEB) August 12, 2006 -- In light of today’s foiled terrorist attacks in the UK, which have caused severe delays and cancellations at many airports around the world, travelers are becoming increasingly aware of the importance of travel insurance while traveling abroad. According to Derek Patterson, owner of eGlobalHealth Insurers Agency, LLC (www.eGlobalHealth.com), many people are not familiar with the types of coverage available and what best fits their specific travel needs.

Mr. Patterson informs that “travel insurance” is a broad term encompassing many product types. Short-term travel medical insurance and trip package plans are two of the most common categories of travel insurance.

Short-term travel medical insurance is designed to provide health insurance coverage for illness or accident and emergencies while traveling outside of your home country. Typically included in these plans are accident life insurance, repatriation of mortal remains and emergency medical evacuation along with other international assistance services.

Trip package plans, also known as trip cancellation/interruption plans, are primarily designed to reimburse you for non-refundable deposits you put down on a trip if you are unable to go, or are forced to leave early. They will also provide for some limited emergency medical coverage, accident life insurance and other travel assistance services as well.

It is important to note, however, that it will only pay out for cancellation or interruption if you have to cancel or leave early because of a covered reason. Travelers must therefore read the policy for benefits and exclusions or contact a travel insurance broker with experience in this area. Derek states that not all travel medical or trip cancellation plans are built the same and the general public must be informed about the choices they make before purchasing.

Unfortunately, if you are having second thoughts of traveling to Europe this weekend after the recently exposed terror plots, your trip cancellation insurance will most likely not refund you for trip costs due to cancellation or interruption. A disinclination to travel, or choosing not to travel because of fear, is not covered under most policies. It is typically stated that there must have been an actual act of terrorism that has resulted in loss of life or major damage to be considered a terrorist act and therefore eligible for reimbursement. If there were, in fact, a terrorist event, it must typically be within close proximity of your scheduled itinerary or destination city.

Most trip package plans also include another important component, baggage protection. Many travelers have routinely carried expensive equipment such as Blackberries, laptops and cell phones on board the plane. However, these items must now be included in checked luggage and if lost, stolen or damaged, can be very costly to replace. Be aware however, that there are many exclusions on what will actually be covered with trip package plans. Travelers should check their policy exclusions under the lost luggage or baggage delay section of their policy wording. Most insurance companies are currently not covering loss of electronic devices, but this may change in the near future due to these new airline restrictions. If equipment is lost and it is not included in your trip package, contact the airline that is at fault, or as a last resort contact your homeowners insurance company, as you may be able to claim the loss under that policy.

Accidental death and dismemberment (AD & D) is also usually included in the cost of any travel insurance plan, although with a minimal limit of between $25,000- $50,000. “Even though it is a grim thought,” states Mr. Patterson, “travelers should really consider what will happen in the event of your death while you are traveling abroad, whether on board a flight or on the ground at your destination”. Derek continues, “Many people either do not have any life insurance or not enough life insurance”. In case of death, there could be a substantial financial burden left upon a family should they not have supplemental accident life insurance. If you feel you need more accident life insurance, eGlobalHealth Insurers Agency is able to provide what is called High Limit AD & D which can be written for up to ten times your annual income (up to US$ 20 million). This particular AD & D plan can even be written for those visiting some of the most War torn countries on Earth.    

So, it appears that the airlines and the travel industry as a whole will be in another period of change after today’s exposed terrorist plots. Travelers need to have an understanding of what the possibilities are and protect themselves accordingly. A vacation can be a time of relaxation and rejuvenation; however, we have all been reminded today of the ongoing inconveniences and threats our travels may hold. The brokerage team at eGlobalHealth.com recommends that everyone traveling, whether for business or pleasure, fully understand the ins and outs of traveling in today’s quickly changing travel landscape.

eGlobalHealth Insurers Agency, LLC (www.eGlobalHealth.com) is a third generation international insurance brokerage firm. Tracing their beginnings back to 1941, the Patterson’s have helped insure thousands of clients in over 180 countries around the Globe. Their goal is continue to provide assistance and valuable resources to all global travelers who are becoming increasingly aware of the risks they face while living and traveling abroad. Also visit their newly launched visitors medical insurance site at www.VisitorMedicalInsurancePlans.com. Health and life insurance plans are underwritten by A rated Lloyds of London.

###

MORE ARTICLES:

A Mexico Vacation Special To The Maroma Resort In The Mayan Riviera
Some very good reasons for booking a Mexico vacation special and choosing the best of luxury hotels the Maroma Resort in the Mayan Riviera

Casa Velas in Puerto Vallarta, Mexico Receives AAA Four Diamond Award
Casa Velas Hotel Boutique in Puerto Vallarta, Mexico, is again joining the ranks of AAA Four Diamond Award winners. Casa Velas is the only adults-only all-inclusive golf resort in Mexico to receive this AAA Four Diamond award.

Hawaii Maps and Weather Round out Comprehensive Vacation Rental Site
Hawaiian Beach Rentals, an Oahu based company known for its local knowledge on the vacation rentals they provide, now provides a one stop shop for local information by adding current weather conditions and maps of Kauai and other Hawaiian locales to their site.

New Shop & Spa Money at All-Inclusive 5 Diamond Puerto Vallarta Hotel
Travelers save Over 50% at Puerto Vallarta hotel Grand Velas All Suites & Spa Resort With $250 Credit during Summer & Fall

Uncovered: A New Resource for Real Estate Investment Opportunities in Puerto Vallarta, Mexico
fundVallarta announces a full online resource for discovering real estate investment opportunities in Puerto Vallarta, Mexico. With conditions similar to the property boom in California, Puerto Vallarta is poised to become an international performer with a solid return on investment. Visitors are able to access a significant knowledge-based investment resource center at the fundVallarta.com website.

In-Suite Spa Treatments Exude Romance in Puerto Vallarta, Mexico
New In-Suite Spa Treament and Diamond Bath for Couples at Grand Velas All Suites & Spa Resort

Iconic Mexican Performers Take Flight In Puerto Vallarta
Every weekend in Puerto Vallarta, a group of famous Mexican performers take flight From a central location on the Malec?n ? Puerto Vallarta?s beloved boardwalk ? the Papantla Flyers dazzle visitors with six performances each Saturday and Sunday

More Vacations at Puerto Vallarta MX
Puerto Vallarta MX is definitely one of the places where people can stay and enjoy more vacations Puerto Vallarta MX is in the state of Jalisco and is one of Mexicoýs premier resort cities

Puerto Vallarta: The City of Festivals
After Puerto Vallarta found its way onto the international tourism map following the release of ?The Night of the Iguana,? the city became a meeting place for artists, musicians and anyone seeking a cosmopolitan destination amongst incredible natural beauty As a result, numerous festivals have developed in Puerto Vallarta, celebrating everything from independent film to haute cuisine

Discount Last Minute Puerto Vallarta Packages To The Four Seasons Resort Punta Mita
We managed a discount last minute Puerto Vallarta package to the Four Seasons Resort Punta Mita. In truth the discount was the bonus, because we fully intended to go there anyway, and pay the full price, but thanks to some work online, we got a huge discount. A quick thank you to The Vacation Bargain Finder, details of which can be found at http://www.worldwidevacationspots.com/pages/Vacation-Bargain-Finder.html

Livin' La Vida Loca at Puerto Vallarta, Mexico
Mexico is in itself a paradise with its lot of places that offer nothing but the best comfortable life to anyone. Out of the several coastal resort-type offerings in the region, Puerto Vallarta is possibly the greatest epitome of wonderland.

Celebrate Grandparents at Grand Velas Resort in Puerto Vallarta
Dolphin Encounters, Spanish Lessons, Mexican Folkloric Night and More As part of the Grandparents Package Available Until October 1st

CasaHelga.com Offers Over 120 Luxury Villa Rentals in Puerto Vallarta, Mexico - New Website Offers More Photos, Videos, Search by Availability
Our new and improved website allows vacationers interested in Puerto Vallarta, Mexico to find a luxury villa suited exactly to their needs and available during the dates they specify. We've also added more photos and videos of the exclusive villa homes we represent.

Spring Break Soccer Training and Spanish Language Camp in Puerto Vallarta, Mexico
Spring break soccer training and Spanish language camp will take place in Puerto Vallarta, Mexico.

My Holiday Villa Rentals, Vacation Rentals and Holiday Homes by Owner
More and more vacationers are choosing the cheaper, more cost worthy option of renting a home. This is often a way to give holiday makers a larger more comfortable space for far less cost than a hotel room. Sending inquiry messages are free, any commissions are cut out completely as you rent direct from the owners. This is now becoming the most popular way to vacation around the world.