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Travel Insurance Singapore Trips – The Importance of Good Travel Insurance

mjon — Tue, 24 Jan 2012 18:43:59 +0000

World travel is one of the most liberating and eye-opening experiences anyone can undertake. When people think about traveling, they seldom consider all the untoward events that can happen when you’re overseas. From canceled trips to unexpected illnesses and accidents, events sometimes conspire to make your vacation more difficult. That’s why the wise traveler invests in travel insurance. Singapore travel agents offer many different options for travel insurance that can save your vacation – or at least make things right – when things go wrong with your travel plans.

You may be wondering “what could possibly go wrong?” Insurance companies like Chartis Travel Guard which provides travel insurance in Singapore, don’t have to ask. They know all the things that can go wrong and have created travel insurance policies that cover happenings and events most people would never even consider guarding against. These travel insurance Singapore companies provide benefits that protect you from everything from flight cancelation to repatriation – even new eyeglasses if you should somehow manage to drop yours over the side of your cruise ship. These are some of the most important benefits to look for when you choose travel insurance.

Trip Cancellation

The right travel insurance policy will reimburse you any deposits or charges you paid for a trip that is canceled under many different conditions. Chartis Travel Guard trip cancelation benefits start 60 days before your departure date. If your planned trip is canceled during the 60 days before your scheduled departure date, your travel insurance will reimburse you for non-refundable deposits on all of your travel reservations and plans.

Medical Benefits

Most people expect their health insurance to cover the costs if they’re injured or become ill while traveling – but using your primary health insurance outside your home region can be difficult. In addition, there are costs associated with getting medical treatment overseas that you wouldn’t incur if you’d become ill at home. These are just a few of the medical expenses covered by travel insurance polices Singapore companies like NTUC Income travel insurance, Chartis Travel Guard and Ace Insurance Singapore.

Emergency Medical Evacuation and Repatriation

One of the biggest expenses often faced by a traveler who becomes ill or injured while overseas is the cost of getting back home. A good travel insurance policy will cover the entire cost of transporting you to a medical facility for treatment as well as the cost of getting you back home. Repatriation and Emergency Medical Evacuation cover often includes the cost of bringing a friend or family member to travel with you, and the cost for any necessary medical assistance or technology needed for your trip.

Prescription Replacement

One of the least anticipated and most likely medical travel expenses is the cost of replacing lost prescription medication and devices. Lost contacts, broken eyeglasses, the blood pressure medication packed in the bag that went missing – any of those can mar a vacation and make it less enjoyable, if not downright impossible. The health benefits of your travel insurance will not only cover the costs of replacing your prescription items and medications, most travel insurance companies have agents that will do all the legwork to get your necessary items to you wherever you happen to be.

Those are just a few of the more important mishaps that most basic travel insurance policies will cover. Intermediate and advanced policies often provide far more benefits, including coverage for acts of terrorism, life insurance coverage and even coverage for the contents of your home while you’re away. For more information about what various travel insurance Singapore policies cover, read individual policy descriptions and benefits.

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In Search For The Best Travel Insurance Policy

Posted by Itisadmin — Sat, 25 Jun 2011 11:25:58 +0000

Do you know…?

Chartis Travel Insurance’s Trip Cancellation benefit starts 60 days prior to departure date (before was up to 30 days prior to departure)? For the same premium you pay, activate travel insurance EARLY once you book your trip!

Travel Guard offers you protection -“while you enjoy leisure amateur sporting sports, such as scuba diving, water sports, winter sports, skydiving, mountaineering, rock-climbing and trekking.”

With travel becoming increasingly common today, travel insurance in Singapore has become an essential part of any traveller’s overseas journey. Knowing that in the event when something goes wrong, there is someone who would extend financial protection will certainly give you the peace of mind. Hence the search for the best travel insurance policy begins.

As there are many types of travel insurance available to cater to different needs and purposes, it is important to be prudent and exercise caution when choosing one because taking up the wrong policy could lead to time and money wastage.

Do read through the policy carefully to ensure that your needs and protection coverage are included in the terms and conditions. This is especially so if you are planning to undertake high-risk activities such as adventure sports, which are not covered in standard travel insurance. Even if high-risk activities are covered for in a particular travel insurance plan, do note that the coverage could be for a limited period only.

In the course of your search for the “best travel insurance” in Singapore, below are some benefits and coverage offered in standard travel insurance:

Medical Treatment

Should you fall ill or meet with an accident during your travel, you would be covered for the entire medical bill as per the policy coverage opted. There could be limitations in the coverage of ambulance and operation charges as per medical treatment.

Repatriation

The insurance company pays for your safe return after a medical treatment or in an emergency situation arising in the foreign land you travel to. They also ensure that bodily remains are brought home in cases of death.

Trip Cancellation or Cutting Short Proposed Trip

This covers the loss incurred due to cancellation of trip, cutting short of proposed trip, or any emergency reasons like sudden illness or death of your family member.

Missing Scheduled Flight

This covers you for losses incurred in the event of missing your scheduled flight due to emergency reasons. To claim for this, you should have a valid reason for missing the flight. Do note that missing connection flights in other countries may not be included.

Personal Accident

This covers you for personal accident and disability; and also the full medical bill as per the coverage made.

Loss of baggage

This covers any loss of personal baggage or business-related documents during the trip.

Emergency Medical Services

This pays for fees incurred in the rendering of emergency medical assistance such as locating someone in the hospital, ground or air ambulance service and sea rescue operations.

Policy coverage varies widely, hence it is wise to compare between insurance companies or speak to an advisor who will be able to recommend an appropriate policy that matches your needs. Alternatively, you can read up insurance comparision websites for more information. Lastly, do bear in mind cheap travel insurance does not necessarily equate to best travel insurance policy.

It Pays to Activate Your Travel Insurance Early, Why?

Posted by Itisadmin — Sun, 30 Jan 2011 07:31:34 +0000

Don’t miss out on Travel Inconvenience Benefits.

Do you know Chartis Travel Insurance’s Trip Cancellation benefit starts 60 days prior to departure date? For the same premium you pay, activate your travel insurance as soon as your book your trip!

It is interesting to note that the vast majority of travellers typically short change themselves whenever they activate a single trip travel policy.

If you are reading this right now, you are likely to be one of them.

Why is that so?

A typical travel insurance policy will include benefits such trip cancellation, trip postponement, closure of travel agent, etc. Vast majority of travellers typically miss out these coverage since the travel insurance is only activated within a week of their trip or “just” before they set off.

Given that the premium is the SAME regardless if you activate your travel insurance policy 1 day or 1 month before the trip, you effectively loses out from “Travel Inconvenience Benefits” for each day you delay your travel insurance upon your trip confirmation.

To compound matters, such benefits will typically include a waiting period of around 7 days. In short, to enjoy protection benefits such as trip cancellation & trip postponement, your travel policy must have been issued at least 7 days prior to your trip. Thus, it does not make dollars sense to wait.

It pays to activate your travel insurance EARLY! Apply your travel insurance online HERE.

Why An Annual Travel Insurance Beats a Single Trip Hands Down?

Posted by Itisadmin — Thu, 23 Sep 2010 02:16:30 +0000

As a guide, if your travel pattern falls within 1 of the following categories, you ought to choose an annual
insurance policy instead of a single trip plan.

You make at least 4 trips of around 7 days in a year.
You make at least 6 trips of around 3 to 4 days in a year

To illustrate, one who travels throughout Worldwide with an average length of stay for 7 days.
The premium for Chartis Travel Guard is $86 on the Superior Plan.
For a total of 4 trips, the premium works out to $344.
The premium for an annual Superior Plan is $390.

To illustrate, one who travels throughout Worldwide with an average length of stay for 3 days.
The premium for Chartis Travel Guard is $59 on the Superior Plan.
For a total of 6 trips, the premium works out to $354.
The premium for an annual Superior Plan is $390.

While the annual premium is still higher for these 2 scenarios, it certainly makes sense!

Think of the numerous weekends that you might just drive across the causeway or hop on the ferry to Bintan or Batam for weekend getaway. Most would’nt have bought travel insurance.
By having an annual plan, you travel worry-free! Your EVERY of such day trips is protected under comprehensive coverage.
You save the time and hassle of having to make a travel policy activation each time you travel.
An annual plan will maximise your coverage which includes travel cancellation, travel postponement, closure of travel agent, etc. that you might *miss out on a single trip policy as it is always turn “ON”.

Turn “ON” your annual travel insurance policy today; you can begin travelling any time worry-free!

Do you know…?

Chartis Travel Insurance’s Trip Cancellation benefit starts 60 days prior to departure date? For the same premium you pay, apply for travel insurance EARLY to enjoy more benefits!

*Vast majority of travellers typically miss out coverage that includes travel cancellation, travel postponement, closure of travel agent, etc. since the travel insurance is only activated within a week of their trip or ”just” before they set off.

(There is usually a waiting period of 7 days or more. If you activate your travel policy less than a week from your trip, you probably will be excluded from such benefits.)

More Travel Guard’s ENHANCED Benefits HERE.

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Should I Buy Travel Insurance? Top Reasons to Say “Yes”

Posted by Itisadmin — Sun, 19 Sep 2010 02:44:50 +0000

Do you know…?

Chartis Travel Insurance’s Trip Cancellation benefit starts 60 days prior to departure date? For the same premium you pay, activate your travel insurance as soon as your book your trip!

More Travel Guard’s New and Enhanced Benefits, Click HERE.

It is actually normal to ask “Should I buy travel insurance?” especially if you are conscious about your spending. However, you should know that it’s going to be worth every penny. If you are an avid vacationer, a travel insurance policy is a must. Here are some of the best reasons why:

1. You can use it during cancelled trips.
There are many reasons why a flight can get cancelled. These include a bad weather condition, your destination is currently under serious threat, or there is an immediate concern that forces you not to fly. You can use the travel insurance in Singapore to get a refund or cover for the costs.

2. You lost your luggage.
Whether deliberate or accident, a lost luggage is a major problem. This situation can be worst if you have all your medications, passport, money, and dress inside the lost bag. You can call the travel insurance company to help you track it. You can also utilize your coverage to pay up for what you need, such as to buy food, dress, and medicines.

3. There is the non-assurance of flights.
Flying does not guarantee complete safety. There are still hundreds who die every month because of airplane crashes. As much as possible, you want to secure your loved ones’ future, especially if you are the breadwinner. The travel insurance coverage can include them as beneficiaries in case of your untimely demise.

4. You need medical assistance.
You develop an illness, you met an accident or injury, or you require fast transfer to another health care facility or even country. Health care costs can be pretty expensive. Thus, the travel insurance coverage becomes an excellent leverage.

5. You have to get your money back.
Should I buy travel insurance? You have to, particularly at this period when businesses are closing down. You can obtain a percentage or even a full refund of your prepaid travel costs if ever the cruise line, airline, or the travel agency closes down or declares bankruptcy.

6. You need help ASAP.
You can count on the cheapest travel insurance in Singapore whenever you require fast support, such as when your important documents are stolen or have some questions on how to use your travel insurance.

“Should I buy travel insurance?” It definitely makes dollars sense to activate a travel insurance policy. Apply your travel insurance online HERE.

It pays to activate your travel insurance EARLY! Find out why?