A good travel insurance policy will cover all sorts of misfortunes ranging from minor ones like minor illnesses, insect bites, mild injuries to major catastrophes like broken limbs, serious accidents, medical bills, and emergency evacuation.

1. Travel Insurance
Basics
You Need to Know
Before You Travel

2. TRAVEL INSURANCE BASICS YOU
NEED TO KNOW BEFORE
YOU TRAVEL

3. T raveling abroad has many perks.
For one, you get to see spectacular
sights you don’t normally see everyday.
Apart from that, you also get to meet new
people, experience different culture, and
learn about so many valuable things
including a place’s history and heritage.
Moreover, during a vacation, you will not
only get the relaxation that you need, you
also get to do different kinds of activities
that will give you a rush like no other. It is
for these reasons why people constantly
have that inherent urge to go places.

4. Now before you pack your bags and get
on to the next flight available, you have to
remember that traveling is not all about fun
and excitement. It also requires careful
planning and preparation if you want your
journey to be a safe and successful one.
One of the things that you would definitely
need to plan for is the travel insurance.
Travel insurance is like a financial “safety
net” that protects you from various kinds
of adverse scenarios that can happen
during your trip.

5. Travel Insurance Coverage
A good travel insurance policy will
cover all sorts of misfortunes ranging from
minor ones like minor illnesses, insect
bites, mild injuries to major catastrophes
like broken limbs, serious accidents,
medical bills, and emergency evacuation.
Apart from illnesses and accidents, a
policy should also cover lost baggage,
delayed flights, cancelled flights, and so
on. The policy should compensate for
whatever monetary loss, inconvenience,
pain and suffering that you have endured
because of these circumstances.

6. Exclusions in the Coverage
Insurance coverage differs per policy.
But usually, insurance don’t cover
chemical attacks, injuries caused acts of
terrorism, civil war, or commotion,
illnesses due to alcohol or illegal drug use,
injuries caused by dangerous or extreme
sports, attacks from pre-existing medical
records such as diabetes or hypertension.

7. Insurance Travel Tips
Purchase travel insurance prior to your
trip. It is always best to buy insurance
before you even book your vacation. This
way, you can be covered for any possible
unfortunate event that may arise even
before you vacation begins.

8. Study your options. There are many
kinds of travel insurance, which include
but are not limited to international
student insurance, visitor health
insurance, family holiday insurance,
insurance for senior citizen, insurance
for people with pre-existing medical
conditions, and so on. It is important
that you study all the options available
along with the costs and inclusions so
you can choose the policy appropriate
for you.

9. Keep a photocopy of all your travel
insurance documents when you travel.
In the event of a medical emergency or
accident, you need to submit the
following information to the insurance
company: police reports, medical bills,
doctors’ reports, boarding passes and
tickets, and so on.

10. See to it that you have the necessary
travel insurance company information
with you before you travel. You should
have the number to the company’s
24-hour emergency hotline.

11. These are just few of the many things that
you need to know about travel insurance.
Make sure that you thoroughly study about
it before you go on with your trip.

12. SAFETY TIPS FOR
TRAVELING ABROAD

13. A re you going to travel abroad? Then
you must know that a good travel
experience revolves around safety and
precaution. Do not leave home without
carrying these safety tips with you. This
way, you can assure of a fun and at the
same time, safe journey to your
destination.

14. Safety Tip # 1 – Don’t Act like a Tourist
Tourists always stand out in the crowd
simply because they do not belong. Before
you head to your destination, find out what
the locals wear and how they act so you
can blend accordingly. Avoid taking out
your map and holding it in broad daylight.
It is not a good idea to stare in awe at the
attractions or look as if you are lost and
confused. Moreover, keep your camera
inside your messenger’s bag instead of
hanging it around your neck. Be discreet so
you do not attract criminals who are
always on the lookout for unsuspecting

15. Be discreet so you do not attract
criminals who are always on the lookout
for unsuspecting tourists.

16. Safety Tip # 2 – Study and Plan Your
Trip Properly
Read up about the country or city of
your destination. Do not only learn about
the popular tourist attractions but also be in
the know when it comes to customs,
traditions, tourist traps, warnings, off-the-
beaten-path spots, and language. Learning
important phrases of the native language
can come in handy during emergencies.
Extensive knowledge about the place will
contribute to your safety.

17. Safety Tip # 3 – Avoid Shady Hotels
Go for reputable hotels that are located
closely to tourist attractions. This is
important not only for your convenience
but also to ensure that the hotel is located
in a safe neighborhood or vicinity. See to it
that prior to booking with a hotel, you read
plenty of online reviews about it so you
know what you are getting yourself into.

18. Safety Tip # 4 – Buy Travel Insurance
Travel insurance can protect you from a
wide array of unfortunate scenarios
including medical emergencies, accidents,
lost baggage, and delayed trips or
cancelled flights.
There are many types of travel
insurance coverage such as general travel
insurance, visitors health insurance,
travel insurance for senior citizens, and
family holiday travel insurance, among
many others. See to it that you purchase a
policy that is appropriate for the kind of

19. trip that you will be having. For example,
if you are not planning on staying long in
your destination, a short-term health
insurance makes sense.

20. Safety Tip # 5 – Get Vaccinated
This is particularly important for people
traveling to remote or far-flung
destinations. Vaccinations are crucial to
protect you from certain kinds of illnesses
that you may catch during your trip.
A trip to the doctor prior to your
vacation should be in order.

21. Safety Tip # 6 – Secure your Belongings
Always secure your belongings,
especially your valuables during your
vacation. Keep your travel documents like
passport and visa with you wherever you
go. It would be best not to bring any
jewelry during the trip. As for cash, it
would be a smart idea to rely on traveler’s
checks instead of cash and credit cards.
Keep it safe while you are on
vacation with these simple tips to keep
in mind.

22. For more information about
health insurance for international
students
and
international student insurance,
please check out
www.zinternationalstudent.com