Business Trip Travel Insurance

If you are planning a business trip, you may be under the impression that if anything was to happen to you while you were away that your employer will cover it. However, the chances are, your employer will be under the assumption you have arranged your own travel insurance, therefore responsibility, as far as your employer is concerned, would lie with you.

Whether you are self employed, or an employee, or an employer, looking to take a trip to improve relations or get a better deal from a supplier, o meet that all important new client, but having business trip travel insurance in place you can be sure that all you need to worry about is the ask at hand, and not anything related to your trip.

Having the insurance is not just sound financially, but, in the event of an emergency, can also help your business make the most of an unfortunate situation, as well as ensure that you business meeting is not too effected by any mishaps that may happen. Your cover could include a replacement colleague clause, so that if you or your employee is sick during their business trip, your insurance will cover most if not all of the costs in replacing that colleague with another member of staff.

Time and time again we hear that our own government officials have left extremely sensitive and important information, appear and digital based, in places they shouldn’t have been left. It happens, and when it does, it can cause a real problem within your business. No matter how comprehensive your insurance is, no amount of money can bring that data back, so be sure you have back up copies of all important documents relating to your business. However, your business trip insurance can cover the cost of a replacement laptop, which at least softens the bow a little when you have o tell your employer the bad news.

No matter what you encounter during your business trip, by taking out the appropriate insurance you can be sure that no matter what unexpected events occur, your business will not be affected. Business trips are a necessary burden to most people, and the burden should not be made any bigger by needing insurance, and not having it.

If your business trip is not all work related, and you plan to have a little fun while you’re away, some providers will be able to offer cover equivalent to a holiday single trip, which will be an extra benefit of your business trip insurance.

Make sure you check with your insurer to find out exactly what your policy covers.

Air Ambulance Traveler Information: What To Know Before You Go

In the United States, approximately 550,000 medical patients are flown in either rotor or fixed winged air ambulance aircraft each year. This Traveler’s Guide will help answer common questions such as what to bring in terms of identification, how much to pack, traveling during religious holidays, and much more.

Understanding checkpoints and knowing what identification to bring

Routine air travelers can be in for a bit of a shock when it comes to understanding security checkpoints and what types of identification to bring. Normally, the Transportation Security Administration (TSA) works together with the Federal Flight Administration (FAA) to make sure public air transportation is secure. However, medical flights are not treated the same way as commercial airlines. For example, there are no security checkpoints to pass through and no specific federal requirements on what types of identification to bring. Instead, each provider sets their own guidelines.

How to board your flight faster

Whereas flight delays on a commercial airline can be an annoyance, they can be life threatening to those on medical flights. The best way to avoid delays is to request a transfer in advance. A brief explanation of the patient’s condition and other important information (time sensitive concerns, originating and destination location, along with an approximate travel date) will help the flight director coordinate a customized travel itinerary.

How to pack for your flight

The TSA puts a litany of restrictions on carry-on items that do not apply to air ambulance travelers. Portable medical oxygen concentrators, gel-type candies, and non-service pets are just a few. However, certain medical travel recommendations are the same. For example, select patients will want to be sure to bring along the following:

  • prescription medications (i.e., nitroglycerin tablets)
  • a list of current medications including specific dose intervals and pill sizes
  • copies of your last ECG results
  • pacemaker card (if applicable)
  • a list of dietary restrictions
  • an electric cart or wheelchair (if not restricted to a stretcher)
  • a pacifier for children and toddlers

Traveling during religious holidays

Traveling during Ramadan (July 9-August 8, 2013) can be especially stressful for practicing members of the Muslim faith. These travelers might feel more comfortable contacting a provider that takes a holistic approach to patient care. Providers specializing in holistic care are highly skilled in creating an environment that is more relaxing and comfortable than traditional emergency medical transport systems.

Traveling with children

Medical flight professionals know that ill or injured children pose a unique challenge when traveling by air. Oftentimes, these patients present with little or no symptoms before their health deteriorates. As a result, flight coordinators frequently put together teams of highly trained doctors and specialists with pediatric and neonatal intensive care unit (ICU) experience in advance. When flying outside the US, parents will want to ensure their child’s vaccines are current.

Annual Travel Insurance Vs Single Trip Travel Insurance – Which is Better?

Traveling and taking holidays can be a lot of fun, but it can also be scary. If something goes wrong, you may find yourself in a foreign land amongst foreign people with no idea where to turn for help. Travel insurance prevents this from happening by helping you through all of the unforeseen circumstances that may befall you on a trip. Travel insurance can help cover expenses if you become ill or injured, lose your luggage, have a car accident or have to change your plans due to weather or illness.

There are two basic types of travel insurance: annual travel insurance and single trip travel insurance. Annual travel insurance is purchased annually and covers all of your travels for the entire year. Single trip travel insurance is purchased at the beginning of each trip and is only good for that trip.

There are benefits and drawbacks associated with each type of travel insurance. The following two sections will address the pros and cons of each.

Pros and Cons of Annual Travel Insurance

When you purchase annual travel insurance, you pay a one-time fee. This fee covers the cost of the insurance for the whole year. If you travel a lot, this price is almost always less than you would pay for multiple single-trip policies. But the price for annual travel insurance is also more than you would pay for one or two single-trip policies. So you need to have a clear idea of how often you will use the insurance before you spend the money for it.

Annual travel insurance is ideal for people who travel a lot. Business professionals, people with family living abroad, and families with holiday homes usually benefit the most from such a policy. Students who have to travel back and forth from school may also benefit from this type of policy.

Pros and Cons of Single Trip Travel Insurance

Single trip travel insurance is the most cost effective way to purchase travel insurance if you only have need of it a couple of times a year. It is spontaneous. You can purchase travel insurance prior to any trip even if it is spur of the moment. It is also inexpensive. Single trip travel insurance normally costs about four to seven percent of the entire cost of any prepaid trip.

If you make a lot of spontaneous trips, however, you could end up spending more than you bargained for if you purchase a separate policy each time you leave town.

Both annual and single trip travel insurances offer the same coverage. The only real discrepancy between them is cost. Therefore, you need to choose the most cost effective way to purchase the insurance that best meets your needs. If you have any doubts, talk to a travel agent. They will be able to help you compare prices and coverage options. The most important thing is that you always travel while insured. You need to be prepared for everything that may happen.