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Don't Risk It, Get the Protection and Security You Need With Travel Insurance
Let's face it, getting travel insurance can be a very overwhelming and tedious process, making it easy to put off and even forget entirely. But before you head off on your international adventure, you might want to consider getting coverage through some travel insurance, just to be on the safe side.
With some luck, you'll be glad it's something you have and won't need to use. But we all know that in life things happen, so it's a good idea to find a travel insurance policy that fits your individual needs, travel agenda, and budget. Many travel agents and private companies offer travel insurance, and they have a wide variety of types and options to choice from.
What does Travel Insurance cover?
Basic coverage of travel insurance includes some financial losses while traveling, as well as limited medical expenses, including medical evacuation. The most common type of travel insurance is trip cancellation or trip delay insurance. This type of policy covers you and your travel companions in case you need to cancel, interrupt or delay your trip. However, the acceptable reasons for canceling or interrupting your trip will depend on the insurance policy, but most likely you'll be covered for the following reasons:
o Sudden business conflicts
o Change of mind
o Delay in processing your visa or passport
o Illness or injury
o Weather related issues
In case your flight is canceled or delayed, travel insurance companies may provide additional coverage such as expenses that the airlines won't cover, like taxi fares to the hotel or meals during your wait at the airport.
It's also a good idea to have a plan with medical coverage of up to $1,000,000 in the case you become ill, need medical assistance, or have a flight accident occur. It's also good to review the amount deductible by your insurance plan (this is the amount you'll need to come up with before the insurance company picks of the rest). Make sure it covers repatriation (evacuation to your home country, rather than the nearest regional medical facility); make sure that does not mean you will be sent to the country where you purchased your travel insurance plan either, but your home country. If you're planning a visit to multiple countries, make sure all the countries are included in the region covered by your insurance policy.
To learn more about these types of coverage and more specialized coverage, read The Basics of Travel Insurance.
To invest or not? How to make travel insurance work for me.
Purchasing travel insurance is great for insuring your money, should any unforeseen events pop-up, especially if you invest large sums of money on extravagant travel packages. To determine whether you want to invest in travel insurance your not, ask yourself these questions:
o Did you invest a lot of money into your travel plans?
o Are you traveling overseas?
o Which regions or countries are you visiting and for how long?
o Are you planning on participating in any extreme sports?
o Can you afford the cost of your trip back home if any emergency arises?
o Will you be able to afford medical care if you or someone you are with gets sick and needs immediate medical attention?
o How old are you and how is your overall health?
o Do you have any pre-existing conditions that need regular, special attention?
You can purchase your travel insurance for a single trip, multi-trip, or with an annual policy, all depending on how frequently you travel and the length of your trip. Comprehensive travel insurance can cost anywhere from 4% to 8% of the cost of your trip, depending on type of coverage, the length of the trip, the destination, and the age of the travelers. It is best to purchase your travel insurance between 7 to 21 days of purchasing your travel itinerary. Usually the maximum coverage period for insurance providers is for one year abroad.
Go through the fine print on your policy and check whether you will have to pay on the spot and redeem the money later for any medical expenses, or will the insurance company pay providers directly. If you have to claim it later on, you will want to hang on to all documents.
If you have a pre-existing medical condition, get an insurance policy that will specifically cover it. Also examine which adventure sports and activities the plan does and does not cover (rarely does it include scuba diving and hang gliding). Lastly, for your benefit, a policy that is flexible and can be extended while you're already away is recommended. You never know whom you'll meet, and you just might want to extend your trip.
Another good tip would be to get in touch with your credit card issuer before investing in travel insurance. At http://www.creditcards.com/, a credit card information site, suggests calling your credit card issuer to see if you have any free travel benefits that you may not be aware of, for example, insurance on lost or damaged luggage. However, according to USTIA, canceling a trip at the last minute and being reimbursed by your credit card company is the most common misconceptions among travelers. And sometimes credit card companies have limitations on only cover up to 3 months of travel. It's worth investigating.
Lastly, if you have existing health coverage, it would be wise to get in touch with them before hand, especially if you will need vaccinations and other medicine for your trip. Depending on your health insurance plan, ask for a 'travel packet' and they will send you important information regarding your coverage, if any, while abroad. It might turn out you might already be covered for somethings, but not for others.
Where can I purchase Travel Insurance?
There are many sites and companies offering travel insurance online. Among them are leading companies such as World Nomads, Travel Guard, and InsureMyTrip, just to name a few. A new online resource called Squaremouth, helps travelers easily and instantly compare all the major travel insurance plans at one site. You'll be able to get immediate quotes from several major, reputable travel insurance providers and compare policies and their prices. It's a good starting point and one that you can trust.
Helpful Tips for once you've purchased your Travel Insurance:
o Scan your insurance policy electronically and save it somewhere securely online
o Make one copy for yourself to bring on your trip
o Make another copy for a trusted family member to keep at home
o Have the emergency hotline number accessible during your trip, but make sure you try it out before leaving home to ensure its operating and correct
o List out any medications you are taking (including vaccinations for your trip), and a list of allergies you have; keep this with your insurance emergency number
o Keep all receipts at home
o Review all the fine print in your insurance policy and determine which adventures you will be taking and which risks might not be worth it
Finally, get ready for a trip of a lifetime! Hopefully you'll avoid ever using your insurance plan, but it will give you and your loved ones more security knowing you're protected.
Travelling is one activity that every individual must undertake at one time or the other; it does not matter what the purpose of travel is, or whether the travel is local or international. A lot of people actually look forward to travelling to other parts of the world for various reasons and purposes, including but not limited to business, tourism, vacation, pilgrimage, education and for medical attention.
The euphoria to travel outside of one's domain usually comes with a lot of preparations, and more often than not, a great deal of resources are deployed to ensure that the travel is actually takes place; and these include acquisition of an international passport, medical tests (where applicable), expensive visa processing fees, flight booking and hotel reservation.
A lot of people will do anything and everything just to actualise their international travel ambition. And to be very candid here, international travel is actually fun and something to look forward to. Travelling, especially international travels, is a form of education for the travellers as they have an opportunity to see new environments, meet new people, and learn how things are done elsewhere.
International travel affords the traveller a lot of opportunities irrespective of their original purpose of travel. These include business opportunities, educational opportunities, employment opportunities and even marital opportunities. Unfortunately, however, it is only these and many other opportunities that these (would-be) travellers see. They seem to be ignorant or care less about risks that are embedded in international travels, so they don't take any steps towards mitigating such risks.
At this juncture, you may be tempted to ask the question: "What are those risks that are associated with international travels?" Very good question. Just read on, as most of those risks are discussed in the following paragraphs.
Risks Associated with International Travels
As interesting, fun, enjoyable, profitable and educative as international travels may be, they also come with their own downsides - the risks - just as every other thing in life. And very fortunately for travellers, most of these risks can be transferred to professional travel insurance providers, by way of buying a travel insurance - also referred to as "travel health insurance" or "travel medical insurance".
These international travel risks are many and varied, and they include, but not limited to:
Sudden illness in the country of destination requiring urgent medical attention and/or hospitalization.
Involvement in an accident leading to bodily injuries, temporary or permanent disability, or death
Loss of checked-in baggage
Loss of valuable items such as international passport, drivers' licence, national identity card, etc.
Personal liabilities abroad
Emergency dental cases
Hijacking
Arrest by law enforcement agencies requiring bail and legal defence
Another question that may be asked at this juncture is: "Do travel insurance policies cover all the above-mentioned risks?" And the answer is a big YES, and so much more.
Covers and Benefits Provided by Major Travel Insurance Policies
Below is a list of most of the covers and benefits provided by travel insurance policies - depending on the providers. So the next time you buy a travel insurance policy, look out for these covers and benefits.
Medical Expenses and hospitalization abroad
Emergency Medical Evacuation
Repatriation after treatment
Emergency dental care
Repatriation of family member travelling with the insured
Travel of one Immediate Family Member
Emergency Return Home following Death of Close Relative
Repatriation of Mortal Remains
Medical Assistance
Legal Assistance
Pre-Departure Services
International General Assistance
Abroad Information Assistance about lost Luggage and Passport,
Delivery of Medicines
Legal Defence
Advance of Bail Bond
Hijacking in means of Public Transport
Loss of Passport, driving license, national identity card abroad
Compensation for in-flight loss of checked-in baggage
Compensation for delay in the arrival of luggage
Delayed Departure
Location and forwarding of baggage and personal effects.
Accidental Death
Permanent Disability
Personal Civil Liability
Trip Cancellation Expenses
Risks Not Covered By Travel Insurance Policies
Having talked about the covers and benefits afforded by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:
Participation in criminal acts, or as a result of his/her fraudulent, seriously negligent or reckless actions including those actions of the Insured in a state of derangement or under psychiatric treatment costs for which are themselves excluded;
Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon any other type of natural disaster;
Events arising from terrorism, mutiny or crowd disturbances;
Events or actions of the Armed Forces or Security Forces in peacetime;
Wars, with or without prior declaration, and any conflicts or international interventions using force or duress or military operations of whatever type.
Participation in bets, challenges or brawls, save in the case of legitimate defence or necessity;
Pre-existing Illness or injuries
Participation in competitions, sports, and preparatory or training tests;
Motor racing or motorcycle racing, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous;
Participation in competitions or tournaments organised by sporting federations or similar organisations.
Hazardous winter and/or summer sports such as skiing and/or similar sports.
Work-related accidents
Internationally and locally recognized epidemics.
Illnesses or injuries arising from chronic ailments or from those that existed prior to the inception date of the policy;
Death or injuries as a result of suicide or attempted suicide or any self-inflicted injuries.
Illness, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance;
Illness or injuries caused by pregnancy and childbirth or any complication therefore or voluntary termination of pregnancy;
Where to Buy Travel Insurances
Travel insurances can be bought online - and there are many travel insurance providers to buy from. All you need to do is locate your preferred provider, and complete the online form or questionnaire, and make your payment, and policy is made available to you for immediate printing or sent to your email address.
You can also buy travel insurance offline from a local insurance company or travel agency. whatever method of purchase you choose, you can rest assured that you will be fully protected against insurable gravel insurance risks.
Using Your Travel Insurance
After you have bought your travel insurance policy, whether it is self-purchased using the provider's online portal, at a travel agency or through a local insurance company, you should make sure that you do not forget to take the document with you while travelling. This is so important because you may be required to produce that document by relevant bodies.
You should take particular note of your policy number (if possible copy the number somewhere else) as it will be required by the service providers to property identify you when you call them for assistance.
Another thing you should take note of on your travel insurance certificate or policy document is the Assistance Company's telephone numbers that you need to call when you need help. These numbers are always conspicuously written on the travel insurance document - so take note of them.
You should endeavour to read as much of the document as possible so as to understand the covers provided, the terms and conditions of the policy as well as its exclusions. And very importantly, when making a claim on your policy, be honest and avoid every form of fraudulent practices.
Summary and Conclusion
There are other benefits that travel insurance policies provide which cannot be exhaustively discussed here. But having read the few benefits discussed above, you will agree that really, Travel Insurance is a must-have for a successful trip. So the next time you are planning an international travel, make the purchase of a travel insurance a top priority. It is quite affordable, and anyone can buy it. The peace of mind and the protection it will afford you are enormous.
TNI AD menjadi juara umum lomba menembak antar negara Australian Army Skill-At-Arms Meeting (AASAM) 2019. Sudah 12 kali tim petembak TNI AD menjuarai ajang bergengsi ini. "Yang dicapai Kontingen TNI AD di Puckapunyal Military Range, Victoria, Australia ini bukan hanya prestasi untuk TNI AD atau TNI semata, namun juga prestasi untuk rakyat dan bangsa Indonesia," ungkap Kepala Dinas Penerangan Angkatan Darat (Kadispenad) Brigjen TNI Candra Wijaya, dalam keterangan persnya, di Jakarta, Selasa (2/4).
AASAM tahun ini dilaksanakan mulai tanggal 26 Maret-2 April 2019. "Capaian ini telah sesuai dengan harapan Kasad, Jenderal TNI Andika Perkasa, ketika melepas kontingen pada tanggal 14 Maret 2019, lalu. Kali ini kita kembali menjadi juara umum dengan menorehkan 21 emas, 14 perak, dan 10 perunggu. Ini menyisihkan 20 negara peserta lainnya," ujar Candra Wijaya.
Yang membanggakan, TNI berhasil mengalahkan negara maju dan memiliki teknologi Alutsista modern, yaitu Amerika Serikat, Inggris, Perancis, Korea, Kanada, Jepang, dn tuan rumah Australia. Demikian juga Thailand, Vietnam dan Malaysia yang secara tradisi memiliki para petembak bagus, seperti yang ditunjukkan saat AARM 2018 tahun lalu.
Tahun ini perolehan medali kontingen TNI AD mengalami penurunan dibandingkan dengan tahun 2018 yang merebut 38 medali emas, 18 perak dan 13 perunggu. Namun, TNI menegaskan ini bukanlah penurunan prestasi, tapi menunjukkan ajang ini sangat kompetitif. Masing-masing tim telah menunjukkan performa terbaiknya.
Lebih lanjut Brigjen Candra mengungkapkan, dari 20 orang petembak terbaik yang mengikuti Match Championship 104, lima (5) orang diantaranya adalah petembak TNI AD.
"Ini sangat membanggakan, ketiga petembak kita, Sertu Woli, Sertu Misran dan Kopda Arifin merebut semua kategori juara 1, 2 dan 3 pada Match Championship 104," tegas Candra.
Selain dari kemampuan para petembak, TNI AD juga menyampaikan bahwa torehan prestasi ini sekaligus menunjukkan senjata produksi dalam negeri, dalam hal Ini PT Pindad Persero yang sangat luar biasa dan andal.
"Sekali lagi, prestasi para petembak TNI AD di AASAM 2019, dipersembahkan sebagai kehormatan serta kebanggaan rakyat dan bangsa Indonesia," pungkas Candra.
Peraih sepuluh besar klasemen lomba AASAM 2019 setelah Indonesia yaitu Australia, Malaysia, Selandia Baru, Korea, Amerika Serikat, Perancis, Canada, Jepang dan Vietnam, sedangkan negara peserta yang absen tahun ini adalah Irak, Filipina dan Singapura.
Sumber: merdeka.com
Get a Free Car Insurance Quote Online From Any Auto Insurance Company
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- Connect together with your instructors once conceivable.
Even in case you are doing smartly within the category, its extraordinarily vital to increase a rapport together with your trainer. When you do that early on, you temporarily understand what the priorities are within the route, what expectancies the professor has of you and youre going to be motivated to prevail, surer of whats forward and higher ready to do smartly with the impending subject material.
Valuable questions to invite your trainer come with the next
How versatile are you with time limits
How versatile are you with grownup freshmen
What applied sciences do you employ within the route
How to be had are you through e mail and different sorts of verbal exchange
How do you put up an internet neighborhood and what are the expectancies for participation in it
In addition, since instructors are to be had to lend a hand all over the classes, its all the time just right to have had private touch with the trainer early on. This method, when you wish to have lend a hand, its more straightforward to achieve out and get the help you wish to have.
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three. Create a time table and stick with it.
Quality online instructors create classes which might be clean to navigate and feature transparent expectancies. Having that roughly easytodealwith framework in position will make learning and succeeding that a lot more straightforward. However, although the framework and necessities of your category arent as transparent, youll create a time table and construction, which is able to very much fortify your probabilities of luck within the route. Using equipment equivalent to Google Calendar is a good way to start out. Knowing how your weeks and months glance and scheduling blocks of analysis time for each and every activity or module will will let you stick with a time table.
four. Ask questionsall the time.
When you dont perceive, ask questions. When you do perceive, ask additional questions. Instructors recognize scholars who take part, and if theres a participation or dialogue part a part of the grade, then asking high quality questions is helping guarantee your grade on this space. Even if there isnt a participation part, its all the time helpful to invite inquiries to remember to perceive the fabric and are transparent on what is needed of you.
five. Be arrangedand keep arranged.
Students whore taking conventional, campusbased classes most often have a constant time table to observe each and every week, through which study room instruction is adopted through assignments out of doors the category. However, for online classes, scholars will have to search out their very own techniques to stick on most sensible in their paintings. It is crucial that you just be arranged from the start of the semester with the intention to achieve success in an internet route. For instance mark task due dates on your calendar, discover a submitting machine for each online subject material and bodily subject material that is helping you stay monitor of the whole lot simply, and shed light on find out about schedules that duvet sections of the route one by one so youve got an arranged tactic to protecting the semesters subject material as you pass alongside.
- Have a blank, quiet, and constant workspace.
One factor online and inclass classes have in not unusual is that scholars all the time want a spot to review or whole assignments this is blank, quiet, and constant. You can select the place that is for youwhether or not its at a espresso store, a college library, a devoted place of business, or at house. Wherever you select to review and whole assignments, you must make it a constant location that doesnt have out of doors distractions. It is basically key that where is quiet and lets you focal point in your paintings with out distractions.
- Do no longer procrastinate.
Successful distance freshmen hardly procrastinate. They dont do away with assignments or wait till the final second to write down their papers. Successful online scholars experience freedoms that come with operating at their very own tempo and the facility to finish their paintings in as a lot time because it takes them. On the opposite hand, they know that finishing their assignments is best performed early and on time cramming merely doesnt paintings, and it doesnt will let you retain knowledge longterm. Get began early on getting a success.
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Why You Ought To Acquire an Online Masters Degree
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- Connect together with your friends.
Establishing sturdy connections with friends and professors is a very powerful facet of tutorial luck, in addition to skilled development. One of essentially the most rewarding reports in schooling is finding out thru collaboration. Forming significant relationships together with your friends and professors can can help you be told extra, keep motivated, and feature an outlet to specific your personal working out of subject material. So, keep attached thru message forums, chat rooms, e mail, and different digital assets. And take note lots of the other people you meet in faculty shall be conceivable process assets down the road so determine connections and keep in contact
Florida National University gives a wealth of tutorial and professional online classes. Check out the entire choicesyour long run is ready
