TRAVEL INSURANCE

As the world becomes smaller and global travel easier, it is imperative that you take measures to protect your health and safety. The simplest way to do this is with an international travel insurance plan. These policies are custom designed for single trips and will provide you with the comprehensive travel cover that you deserve. In the event of an unexpected situation you will be assured the protection that you need.

Internationally Portable

Travel insurance plans are fully internationally portable. This ensures that you are able to travel to your own schedule and your coverage will follow you wherever you go. Internationally portable plans allow you to fully explore, safe in the knowledge that should anything happen you have the protection and coverage that you need.

Custom Coverage

International travel insurance plans come in two main formats; Single Trip policies and Annual Travel plans.

• Single Trip plans are perfect if you expect to be outside your home country for an extended period of time. These types of plans can provide coverage for up to 12 months at a time. Because these plans cover you for the exact length of your trip, you are assured of premiums much lower than those associated with annual medical, personal accident, or travel insurance plans.

• Annual Travel Plans will provide you coverage year round and protect you on all your trips overseas, regardless of how many you may take. It is important to note however, that annual plans will only typically provide coverage for up to 30 days at a time (some plans can offer coverage up to 60 days). This means that while you are covered for as many trips as you may take during a year each individual journey cannot be more that 30-60 days.

Each travel plan provides two coverage options; Comprehensive Travel and Short Term Medical .

•  Comprehensive Travel plans will provide you with broad protection including coverage of medical expenses, personal property protection, journey disruption, and legal liabilities. A comprehensive travel plan includes very broad, standard coverage. These plans will ensure that should anything happen to you or your loved ones while you are traveling, you will have the essential protection you require.

•  Short term medical plans are travel plans purely designed to provide comprehensive medical coverage while overseas. Coverage benefits often include full refunds on prescribed medicines, specialist visits, hospitalization, out-patient treatment, ambulance transportation, and emergency evacuation costs. These plans assure that should you suffer a serious illness or injury while traveling, you will have the best medical coverage available.

Single Trip Travel plan premiums are calculated based on the age of the policy holder, the journey destination, and the total length of the trip. This premium calculation ensures that you get exactly the amount of cover that you need for exactly the period of time that you require. You will not pay for coverage that you do not need. Annual travel premiums are calculated on the basis of the age of the policy holder, giving you slightly more freedom in the fact that you are not limited in the number of trips that you can take in a year.