Healthcare, Health Insurance, Vitamins, Nutrition

International travel is expensive, so any chance to save money is always welcome. If you’re traveling in a group, you may want to consider group trip insurance. It offers you two great ways to save money during your travels.

Travelers will save on the cost of insurance itself. By splitting the expense of group medical insurance across each person in your traveling group, you’ll find the individual cost to be lower than buying your own plan of comparable coverage.

Second, you can save money when you actually use your tour group travel insurance policy. Since the insurance policy you currently have probably doesn’t cover overseas activity, you’d face very high medical costs when traveling as an uninsured person.

But group travel medical insurance saves you from paying those high costs. It works just like your typical insurance policy, paying 100% of your coverage after the deductible has been met. And you can set your own deductible ranging from $0 up to $2,500, depending on what you’re comfortable with.

Group travel insurance is ideal for missionary groups of five or more people who may be concerned about the state of countries they are visiting. It covers standard medical expenses as well as extreme circumstances like evacuation expenses, terrorist attacks, and natural disasters.

Your travel insurance for groups policy will have a maximum coverage level that varies according to the age of people in your party. If all travelers are under the age of 70, the maximum coverage is $1,000,000. If travelers are between 70 and 79, the maximum coverage is $50,000. And for people 80 and over, the limit is $10,000.

Group travel medical insurance plans can be purchased in varying increments as well. For shorter term visits, you can buy a plan for as little as five days. For longer term stays, you can purchase up to 12 months worth of coverage.

You’ll find that for groups of five or more, group medical insurance is the most economical way to provide your party with healthcare coverage while traveling. Not only will you save on the cost of the plan itself, but you’ll avoid those high costs of service that come with being uninsured.

An African safari is a once-in-a-lifetime opportunity. Safaris, however, are dependent on many factors, and your safari operators often require you to be prepared for changes in the schedule of the safari, with appropriate travel cancellation insurance.

There are other types of insurance you will need when preparing for an African safari. These include international medical insurance, in addition to the trip cancellation insurance. Safari operators may extend some insurance, but remember that the coverage may be both expensive and inadequate.

Generally, trip cancellation insurance offers other benefits such as baggage safety against loss or theft, in addition to safari cancellation and rescheduling. Baggage safety remains a major problem at African airports.

While most African safaris are held on time, it is not rare for the weather to necessitate change in the safari schedule. Other reasons for the cancellation or postponement of a safari include the lack of the optimum number of participants on the safari, and baggage delay. Trip cancellation insurance can be extremely handy in such a situation.

In case of medical insurance, ensure coverage for all major medical problems, as well as emergency evacuation and repatriation benefits. Usually, trip cancellation insurance can be bundled together with travel medical insurance. Shop around for plans until you receive a suitable trip cancellation and medical insurance plan that works for an African safari.

Travel cancellation insurance usually covers the cancellation of your airline ticket, hotel reservations, and any other non-refundable activities you might have planned to participate in. You will require receipts and proof of reservation and cancellation in order to make a claim on a trip cancellation insurance plan.

One of the hitches in the emergency medical evacuation clause is the fact that most areas that safaris cover are remote and not well connected by phone. So when an emergency actually occurs, getting prior permission or organizing it through the insurance company may not be an option. The trip cancellation and travel insurance company selected must be able to still accept claims.

The best rates and coverage for your travel cancellation insurance plan are often available within a week of purchasing the travel tickets. In some cases, travel cancellation is only available within the one-week window, while other plans offer extra benefits to plans purchased within a week of reservations.