Is Your Credit Card Travel Insurance Coverage Enough?

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Is Your Credit Card Travel Insurance Coverage Enough?
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Still relying on credit card travel insurance? Not sure if it really fits the bill? Read on to determine if your coverage is enough…

1. Coverage clauses

• Do you have to pay for the whole trip with your credit card to be covered? Is
there a minimum amount?
• What’s the maximum number of days covered for one trip?
• What’s the maximum amount you’re covered for?
• Are you covered for high-risk activities, like scuba diving?
• Are you covered for other professional services like physio, chiro, etc. to relieve
an acute emergency?

2. Family coverage

• Is coverage only for you, the cardholder?
• Will your travel companions get the same coverage as you, or do they need to
buy additional insurance?
• Would coverage be available to return your travelling companion,
children/grandchildren or accompanying pet home, in a medical emergency?

3. Pre-existing medical conditions

• Does your age affect coverage?
• Are you covered for pre-existing medical conditions?

4. Trip cancellations or interruptions

• Does the plan offer trip cancellation or trip interruption insurance?
• Do you have to pay for the whole trip with your credit card to be covered? Is
there a minimum amount?
• What’s the maximum amount you’re covered for?

5. Emergency and claim assistance

• Are you covered for ambulance or emergency air transportation?
• Will you be penalized if you don’t call the claims company after the emergency or
before visiting the hospital?

So remember, while you may have travel coverage through your credit card, it might not cover you completely in a medical emergency situation. Make sure to contact your credit card provider to know what your policy really covers. If it’s not enough, check out how TuGo can help meet your travel insurance needs.

Is Your Credit Card Travel Insurance Coverage Enough?
Photo by Julius Silver on Pexels.com

How To Prepare For The Trip Of A Lifetime

trip of a lifetime

Image by Michael Gaida from Pixabay

When you’re planning the trip of a lifetime, there’s a lot to do before you go. You need to make sure you are prepared for your journey. Being prepared doesn’t even mean having your accommodation booked, you can do that as you go along, but there are some things you need to make sure you have sorted in advance.

Visas

Many  countries require visas for entry. While some can be acquired when you arrive in destination, others need to be sorted out before your trip. If you’re going somewhere where you need a visa, then it’s a good idea to sort it out before booking your flight or anything else. If your visa gets denied for some reason, you won’t have wasted money on non-refundable air travel or pre-paid hotels. 

Brush Up On Local Knowledge

When you have an idea of the countries you are going to visit, then it’s time to brush up on some local knowledge and customs. Find out if you need to have your knees and shoulders covered in certain cultural places. If you’re going to Japan then have a look on this website to see if you can learn a bit of the language. Make sure you know the laws of any country you are visiting and if there’s anything else you need to know about a particular place. Research how safe a country is and if there are any extra precautions you should take.

Book Your Flights

Once you have any visas sorted, then it’s time to book the flights or a round-the-world ticket. Prices will tend to increase the closer you get to your departure date. If you know which destinations you’re going to then use websites such as Skyscanner to compare flights. Once you have booked your flight, then you can look at your transfer options, from the airport to your accommodation.

Sort Some Accommodation

You don’t need to book the whole trip, but booking somewhere for the first couple of nights is a good idea. Check out Tripadvisor and Hostelworld as a start, and then you can ask people for recommendations as you travel around. 

Be Aware Of Any Vaccinations And Your Health

If you have any medical issues, you’ll want to speak to your doctor before you go anywhere. Go for a check-up and make sure that you are in good health before travelling. You also need to arrange for any required vaccinations. The NHS Fit for Travel website gives you all the information on what vaccinations are required for what country. Some vaccination courses can take as long as a month, so you need to get this sorted in advance.

Get Covered With Travel Insurance

Make sure you have proper travel insurance. If something goes wrong, you’ll be glad that you are insured – it could save you a lot of money. Add a sports coverage option for any activities you are planning. Make sure you read and understand the policy in full.

Have a safe and happy trip!

 

Travel Product Review – Travel SIM

Travel SIM

Travel SIM – Yes or No?

You’re about to depart on a trip and you’re thinking about how you’ll stay in touch. Do you turn off roaming and data and jump on wireless when you can or do you use your phone abroad with data? I’ve done both but I prefer to be in touch, use my GPS apps and check email periodically. In my travels, having a cell phone is a must for driving directions (think roundabout) , destination information (the next town) and in case of emergency.

 

Travel SIM

 

Travel SIM – Your Best Option

My personal money saving tip for most travel destinations is to pass on your cell provider’s international travel plan and go for a SIM card instead. A SIM card saves on roaming and data charges while keeping you completely connected. TravelSIM is my top choice because its prepaid (providing cost control), works in over 170 countries and incoming calls and messages are free. You buy it online and it’s delivered within a couple of days. You also get great “bars” in destination (cell reception) because you’re using a local telecom provider. Make sense?

The small challenge here is installing the SIM card. You’ll need to remove your current SIM card and insert your TravelSIM card. It’s easy – use a pin to open the SIM card slot (a thumb tack or paper clip both work); take out your current SIM card; put in the new SIM card, and Voila! Your phone will need to be “unlocked” for the new card to work (if it’s locked, the new SIM card won’t work). Contact your service provider or a cell phone unlocking service.

 

If by chance you didn’t buy a SIM card in advance, you can still buy when you arrive in destination (at the airport, train station or bus station). Just look for a store that sells SIM cards. The cards will be cheap and in many cases an employee will insert the SIM card for you.

 

Travel SIM

Travel SIM – The Bottom Line

You can save a lot of money and get a lot more high-speed data by planning ahead and buying a Travel SIM card.  If you are traveling to multiple countries, you will probably need a separate SIM card for each country unless you buy a TravelSIM card that features multiple countries and zones. If you get a new SIM card for travel, you will be using a different phone number from your regular one. To simplify taking a smartphone abroad, use messaging apps like What’s App or iMessage to maintain your identity and end-to-end encryption. A SIM card for travel keeps you in touch and keeps you off unsecured public Wi-Fi.

Safe Travels!