Travel insurance for your island vacation – Do not forget student travel insurance
Travel insurance is an issue mainly when you have forgotten to care for it in time. On the other hand a lot of us easily pay more than needed for a travel insurance agreement for the individual travel. This has to do with the fact that many of our normal insurance arrangements often include some kind of protection on travels too.
Also many credit cards like Mastercard, Globecard and America Express include some kind of elements of travel insurance, depending on your credit card contract.
As a traveller to a remote island or a busy island with plenty of people we might be most focussed on issues with stolen items or lost luggage. Such issues are very inconvenient but the most serious issues are related to health problems on vacation.
Travel health insurance is needed to cover costs related not only to treatment on a high level hospital or clinic but also costs related to transportation home etc. Are you far away from home and civilization and need a plane back from your vacation this will cost a fortune.
I state that the travel insurance for students is especially important because firstly, young people tend to forget that aspect of life when a shining new vacation trip is in the horizon. And secondly because young people are more physical active than older people and accordingly can easily break a leg or get other injuries from their young active life. And thirdly I dare to mention that younger people are not so much experienced and might easier get into some kinds of trouble abroad.
It is obvious that many of us who are near or after the age of retirement should be especially careful with what is covered in our travel health insurance.
As the situation of health travel insurance is different from insurance company to insurance company and from country to country you have to be very careful checking the coverage of your travel insurance and what could be your best travel insurance deal. You will get a travel insurance checklist in a post later, but before I will just give you two examples.
We thought that my wife had got a perfect solution to her travel insurance by signing up with Globecard. Globecard seemed to offer a very good coverage of health issues on travel, stolen items, lost or delayed luggage, all car insurance for hired cars, etc. And it would also give access to airport lounges without any cost.
The smart aspect of the insurance through Globecard was that the coverage would include the same insurance for an accompanying person. All this was included in the annual rather high fee for the credit card so in total it seemed to be a good deal for travel insurance.
The requirement of Globecard to cover the travel insurance is that Globecard is used for paying the travel. This seems to be a rather obvious expectation but at least here in Denmark that became something of a problem. In many cases it became very difficult and complicated to have the travel agency to accept payment via the Globecard. And if it worked (finally) my wife was always charged an extra fee from the travel agency. I had to add that use of credit cards is very well developed in Denmark.
And finally I should add that the extra benefit from having free access to airport lounges were often disappointing as we were seldom able to find an airport lunge that included Globecard users.
Now we have an annual travel insurance added to our general health insurance that for our situation seems to be the cheapest travel insurance with the needed coverage.
Anyway be sure that the travel insurance you have signed up with is still what you expect it to be before you travel.
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