Should I Get Medical Travel Insurance?

If you travel a lot, for business or personal reasons, you should consider getting medical travel insurance. Medical travel insurance protects travelers in the event they fall seriously ill or suffer an injury when they are traveling domestically or abroad.

You can buy medical travel insurance for each trip you take or buy a multi-trip policy if you know you’ll be traveling on a regular basis or will be staying in a foreign country for a period of time. You can get an annual policy, too, that will cover you for a whole year. Most medical insurance policies have limitations regarding travel; many countries require payment in advance of treatment unless you can prove you have insurance to cover the costs. A medical travel insurance policy insures you will be treated. You may think your regular policy will cover you but many limit their coverage to certain countries.

There are two types of medical travel insurance. Travel medical is for a short term such as a vacation or business trip and you can be covered for a few days or up to a year. Major medical is meant for extended stays from six months to a year. Both types of policies cover your medical treatment, help you find physicians and medical facilities, and will even help you find a translator if you need one.

Medical travel insurance policies can also cover the expense of transportation from a remote location or to another facility to get the services of a specialist. It will cover emergency evacuation and even transport back to your own country if need be. That can be very costly and more than pays for the insurance. You can also include coverage that will transport your remains home if you die while traveling.

Some policies include a term life benefit and AD&D, or accidental death and dismemberment. The added cost of this is often negligible and well worth the cost.

You might think that such insurance is very costly but you’ll usually pay about 10% of the total cost of your trip. When you think about the expenses you might accumulate if you have a health problem it’s more than worth it.


Few Business Travel Tips

A few good business travel tips can help to make a dreaded excursion into a productive, rewarding travel experience. You might think you know everything that will make your trip easier but there might be a few business travel tips that will be new to you.

First, packing is important. If you’re only going to be gone for a couple of days you should pick and choose what you take so that you have only carry-on luggage. You’ll avoid wasted time at baggage claim and can get around much easier and more comfortably. One way to make the most of your space is to roll instead of folding. Rolling your clothing correctly will avoid unwanted wrinkles and creases and you’ll have more space to fit in what you really need.

You don’t have to take several changes of clothing, whether you’re a man or a woman. A neutral business suit with different shirts, scarves, ties, belts, and other accessories will make it look as if you’ve brought an extensive wardrobe. A reversible jacket will enhance the illusion and is a good investment. Take an extra set of underwear in case your trip is delayed and you’ll be surprised how much space you’ll save.

Pack lightly but don’t forego essentials! Call ahead or go online to find out if your lodgings provide clothing steamers, hair dryers or other things you can avoid packing. Take an extra USB drive just in case you need portable storage and don’t forget any medication you might need.

It pays to carry a change of clothing and important documents separately from your main luggage if you can’t make do with just carry-on luggage; if your luggage is lost you can still make a meeting as if nothing was amiss.

Try to sit in the back of the plane if you fly and don’t jump up when the plane lands; stay in your seat and relax. You’ll be standing for a good 10-15 minutes even if you’re near the front while people fuss about and get their carry-on luggage. You may as well use that time productively and avoid the crush.

Your trip should be a lot more relaxed and go more smoothly if you employ these few business travel tips.