Why Get Travel Insurance?

If you are traveling abroad, you should get travel insurance before

you go

Types of Travel Insurance

• Travel Medical Insurance

• Medical Evacuation Insurance

• Trip Cancellation and Interruption Insurance

• Baggage Insurance

• Car Rental Travel Insurance

• Flight Accident Insurance

Reason #1

• Your domestic insurance plan probably doesn’t cover you abroad– Check if your policy covers you outside of

your country of residence or citizenship– Medicare doesn’t cover you outside of the

USA– Domestic health plans usually have limited or

no ability to deal with international claims

Reason #2

• Cost of medical treatment abroad can be a financial disaster– This is especially true if traveling in the United States

or Canada– Medical evacuation expenses can easily run into the

$50,000 range– Medical expenses can easily run into the hundreds of

thousands– Travel insurance companies have the ability and

resources to deal with medical emergencies overseas

Reason #3

• Protect your travel investment if you are sick or injured and are not able to go on trip– Trip cancellation & interruption policies can reimburse

you for the non-refundable portion of your trip– Trip Cancellation plans can also cover your trip costs

if your immediate relative becomes sick or injured– Cost of such coverage usually runs around 4 to 7% or

up to 10% for persons over age 65– Can also cover inclement weather, strike, natural

disaster, terrorist incident, jury duty and loss of job.– If you can't afford to lose it, you should insure it.

Reason #4

• Peace of Mind– When you go on a trip travel insurance can

provide the peace of mind that if you get sick or injured, your medical expenses will be reimbursed and trip cost will be reimbursed.

– That peace of mind can provide you the peace of mind so you can get on with enjoying your trip

Reason #5

• You might lose your baggage– Purchasing baggage insurance can usually

cover you up to $1000.– May cover lost baggage or delayed baggage– You have to claim against your airline first, but

getting them to pay is not easy– Your home insurance policy may cover you– Don’t take anything expensive with you if

possible. If you do, keep it on your person

Which Policy?

• If you travel only once or twice a year or if you travel more than 30 days per trip, then a single trip policy is your best choice

• If you travel less than 30 days per trip and travel often, then an annual multi-trip travel insurance plan is your best bet

• If you are traveling as a group, then look at a group travel insurance policy

• If your travel medical needs are already looked after, but you fear the financial loss if you are not able to go on your trip, make sure you get a trip cancellation policy

Things to Check• Will policy cover your pre-existing medical condition? How long has

the condition been stable for? • Is insurance backed up by a reputable administrator and insurance

company?• Does the carrier have a 24/7 claims handling center and able to deal

with medical facilities around the world?• Make sure you get a large policy maximum for your travel medical

insurance policy• If you are traveling for a year or more, get an international health

insurance policy instead that will cover non-emergency medical expenses and cover you back in your home country

• Will the policy cover the sports I may participate in while traveling?• Read and understand the plan terms and conditions!

Common Travel Insurance Exclusions

• Most travel medical insurance policies do not cover– pre-existing medical conditions – can be waived by some trip

cancellation policies if you purchase insurance within a set number of days after making initial deposit.

– Cosmetic medical expenses– Injury or sickness if you are under influence of drugs or alcohol– Hazardous sports unless you get the optional sports rider –

check the details– Pregnancy related expenses– Terrorism, but some plans will cover you it– Participation in criminal act– Self-inflicted injury

Where can I get travel insurance?

• You can get travel insurance quote from: TFG Global Travel Insurance.com at: www.globaltravelinsurance.com

Presentation Legal Disclosure • Copyright © 2007 TFG Global Insurance Solutions Ltd.• Insurance plan terms and conditions can vary, so check your policy carefully. All cover is subject

to the particular plan terms and conditions. This video presentation is just for informational purposes only and is not an offer of insurance, travel or legal advice.

• The information contained in this video/presentation is not intended to be an offer to sell or a solicitation in connection with any product or service by TFG Global Insurance Solutions Ltd., in any jurisdiction where such an offer or solicitation would be unlawful or in which TFG Global Insurance Solutions Ltd. is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services