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How can we help you?
Life doesn’t always go as planned and we want to ensure you and your family is covered, as such proper preparation is key before taking a trip. We will help get the best travel insurance that suits your need so your mind can be at ease by knowing that you’re properly covered all the way. Don’t hesitate to contact our team for assistance in choosing the right travel insurance for you
About travel insurance
Types of insurance
Schengen Visa Insurance
When applying for the Schengen Visa you must provide a medical insurance that meets the following criteria:
- A minimum coverage of at least 30,000 EUR (equivalent to 36,500 USD as of January 2021).
- It should cover all member states of the Schengen Area
- Cover any expenses which might arise in connection with repatriation for medical reasons, urgent health attention, and/or emergency hospital treatment or death.
Students studying abroad Insurance
Most students that are planning on studying abroad, don’t normally take out a travel insurance policy. However, having a travel insurance policy in place should be your highest priority especially in these days and age when accidents or sickest can arise at any time.
J1-Visa- Exchange visitor visa
Getting a J1 visa medical insurance is essential because it is required for the immigration process. If you get sick, injured, or involved in an accident, the medical bills can cost thousands of dollars, depending on the ailment. Medical care is costly than in other countries, so you should have a travel insurance policy to cover the costs. Otherwise, you or your sponsor will be responsible for paying the expenses out of your pocket.
International Travel Insurance
Taking out an International travel insurance policy is very important when you travel out of your country of residence. Travel Medical Insurance would help you alleviate huge medical bills if you got an injury, illness, or met in an accident.
Importance of Travel Insurance:
Why You Need It for Your Travel
Taking out travel insurance is essential in these days and age, especially if you are traveling often or staying in a foreign country for long periods. Travel Insurance is one of the most important investments that a traveler can make when deciding to travel. Travel Insurance covers several risks when traveling. Typically, a Travel Insurance policy covers medical risks, travel risks, and also flight disruptions.
It covers against medical emergencies:
The travel insurance policy covers the cost of medical treatment that may arise when you travel. These usually cover up to a particular limit. These policies do not discriminate between the types of medical emergencies. It could be any medical or accident treatment and the insurance company will reimburse costs up to a particular limit to the mentioned limit. (As per the policy Terms and Conditions against each cover). Having these risks covered provides a level of compensation if you are planning to travel.
It covers against risks of travel:
Travel Insurance covers risks such as loss of passport and personal belonging cover, loss of checked-in baggage, etc. Having these risks covered provides an additional layer of protection against financial loss due to losing valuable documents/ assets while travelling. Without Travel Insurance, you would have to stand the responsibility of your losses. By reimbursing such non-refundable expenses, Travel Insurance alleviates unnecessary spending. (As per the policy Terms and Conditions against each cover). Having these risks covered provides a level of compensation if you are planning travelling.
Covers trip disruptions:
Trip disruptions that may cause your trip to cancel your trip. If your flight was canceled due to unforeseen circumstances, having Travel Insurance will compensate you for your trip without you having to book another ticket out of your pocket. Travel Insurance also provides coverage for canceled bookings, entire by you cancelling your trip or by the tour company, among others. (As per the policy Terms and Conditions against each cover). Having these risks covered provides a level of compensation if you are planning travelling.
Travel Insurance companies will provide assistance:
Whenever you are ready to file a claim, insurance companies will assist. Their guidance will help you file your claims and also help you find hospitals to get treated. Once your insurance policy is valid, the travel insurance company is obligated to assist you in times of need.
Benefits/Coverage of some travel insurance covers cost such as:
- Trip Cancellation - Up to $100,000
- Trip Interruption - Up to $150,000
- Emergency Medical - Up to $100,000
- Emergency Medical Transportation - $500,000
- Baggage Loss/Damage - $1,000
- Baggage Delay - $300
- Travel Delay - $800
Types of travel insurance
Spending a little extra to purchase travel insurance will protect you from an unexpected situation that may arise while traveling. A vacation can cost you thousands of dollars. Having travel insurance can save you from losing the money that you have invested in your trip.
There are four(4) different types of travel insurance, they are stated below as follows:
Trip Cancellation Insurance
Trip cancellation insurance covers the cost of the trip if you decide to cancel. For example, if a tour company decides to cancel your trip due to unforeseen circumstances, you will be refunded the amount you paid for your trip. Each policy has specific coverage, so read the insurance policy in depth to know precisely which situations your policy covers.
Baggage Insurance
The baggage insurance policy covers luggage that is stolen or damaged during your vacation. Baggage insurance sometimes referred to as personal effects insurance which covers your baggage in the event of dilemmas. Each policy has specific coverage, so read the insurance policy in depth to know precisely which situations your policy covers.
Emergency Medical Assistance
The cost of health care to fly you home if you get sick while on vacation can be very expensive. Emergency medical assistance insurance covers these costs if an emergency occurs while you are traveling. Some personal health insurance covers up to particular expenses while you are on vacation; call your insurance provider to find out the specifics of your insurance policy. Each policy has specific coverage, so read the insurance policy in depth to know precisely which situations your policy covers.
Accidental Death Insurance
Accidental Death Insurance cover accidental death while traveling. However, it is available under other policies, such as life insurance, if you are not covered under a different policy. It’s best to get Accidental death insurance. Accidental death insurance takes care of your family financially if you die while traveling.
Helpful Pages
Interview at the U.S. Embassy
In the interview, make sure you answer the questions accurately and in a complete sentence. Here is an example of a successful interview. Successful interview between the visa officer and Kimberly Visa Officer Kimberly What
Benefits of studying in the United Kingdom
Working while you are studying International students studying in the UK can work part-time while they are studying. The UK economy is very diverse. Students can easily find a part-time job that can help to
Benefits of studying in Canada
You can work while you are in Canada Students studying in Canada can work up to 20-hours per week during regular school sessions and work full-time during the holiday when school breaks. Please note that
Canada Visitor’s Visa: Reasons for denial
I was denied a Canadian visa and I would like to know why; my application was done properly, and I provided all the required documents that were requested by IRCC? We know how disappointing it
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Helpful Articles
These articles below will help guide and inform you on matters regarding the Visitor’s Visa for the U.S.A and more.
Typical reasons for US visa denial
Incomplete Application Many applicants are denied a visa because their US visa application was not properly completed; as such gave inaccurate answers to questions asked
Typical reasons why your U.S. Visa can be revoked
Phone conversations Be careful of the type of conversations you have saved on your phone. If your phone is searched at the port of entry
Psychological factors that affect you getting your visa
Intimidation Most persons are intimidated by the visa officer’s presence at the interview; this, in turn, causes one to be fearful and start to show
Ways to improve your ties within a country after being denied a visa
After being denied a visitor’s visa, try to access why you were denied. Here are a few ways to help increase your chances before reapplying:
Did you know that a person can meet all the requirements and still be denied a U.S. Visitor’s Visa?
Yes. Everyone will not be approved a visa on their first visit to the U.S. Embassy. A visa officer may be having a bad day
Interview at the U.S. Embassy
In the interview, make sure you answer the questions accurately and in a complete sentence. Here is an example of a successful interview. Successful interview
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