What is Travel Insurance?
Travel insurance is for anyone traveling to a different country. It is a short-term insurance lasting from 1-90 days for one return trip out of your own country. Annual policies are also available for unlimited multiple trips (usually limited to 90 days per trip). Certain countries require a traveler to buy travel insurance before they can apply for visas.
Travel insurance covers medical costs caused by accidents and sickness (excluding pre-existing medical conditions). Travel insurance is usually purchased by a person before they leave their country. Groups traveling together normally have a group travel policy covering the group. Travel agents and tour companies in many countries may have a group accident insurance covering their customers (covered only while under their direct care and supervision).
Whenever travelers require medical treatment and need to use the travel insurance to pay for medical costs, the normal procedure for non-emergency situations is to pay first and send all documents to the insurance company for a refund. For Emergencies, call the insurance company or emergency assistance service
Who can buy travel insurance?
Travel insurance can be purchased by all persons.
- Individual travelers.
- Small and large groups.
- Tourists or people on business trips.
- Adults and children.
- People from any country.
- Anyone that already has a travel insurance policy.
- Claims process:
- All valid claims must be paid by the policy-holder in advance; except for Emergency Evacuation or Repatriation.
- A claim form must be completed and sent to the Insurance for reimbursement.
- All supporting documents must be sent to the Insurance company to process claims. Original receipts are required (no copies)
- Keep copies of all documents you send to the Insurance company.
- Send all documents by registered airmail post.
- Barring any missing documents, claims are usually paid within 14 working days.