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

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!

 

Travel Product Review – Palmate Travel Pillow

The Palmate Travel Pillow is my very first travel pillow. I’m a regular air traveller and have been for a very long time. I have the very good fortune of being able to sleep and/or nap quite easily on any flight – be it 1 hour or 12 hours. It’s time for a travel pillow.

There are a lot of travel pillows in the marketplace. You can buy them at the airport; at luggage stores; online, etc. The new Palmate Travel Pillow aims to be different and it is. It has cool and practical in one. And it does the job!

Palmate Travel Pillow

Palmate Travel Pillow

Palmate Travel Pillow – What Makes It Different?

Most travel pillows are round or shaped like a horseshoe. The Palmate is square and uber cool looking. It’s designed to mimic the way you would hold your head with your hands. It cradles your head in all directions. The Palmate fits comfortably around your neck and keeps your head from moving.  There are cut-outs on both sides to fit earbuds or even headphones. There’s even a secret built-in vent at the back to keep you cool. The Palmate’s cotton cover is soft and can be removed from the memory foam for washing. The Palmate Pillow also comes with a black cloth carry bag, a lint roller and earplugs. It is a bit bulky but you can tie the black carry bag to your carry-on or make room in a knapsack.

Palmate Travel Pillow – Does It Work?

In a word, yes. My only issue at all with sleeping on a plane is “the headbob”. You fall asleep sitting and your head falls forward or sideways. The “headbob” doesn’t happen to me with the Palmate around my neck. It works just like a neck brace or collar so that your head doesn’t move. Unlike a neck brace, it’s comfortable, plush and can be easily adjusted as you want.

Palmate Travel Pillow – Where To Buy It?

Get it from Amazon for $28.99. You can also buy it directly from Palmate.