plastic surgery san diego: Nov 16, 2012

Few things in life are as satisfying as a trip abroad, and most of us can hardly wait until we leave on our great adventure. The anticipation of what will come only increases our joy. Planning our trips is part of the fun. Running, buying our tickets, luggage, clothing and other items that we plan to take with us not even seem tasks. It's not even painful to pay for these things, because we know that soon we will explore places I've never been before. However, there is a "fly in the ointment", rather than an expense rather not have because although it costs us money, they receive no tangible benefit. What am I saying? Why travel insurance, of course!
Is buying travel insurance at the last minute, okay?
I do not know about you, but as far as I'm concerned, the payment of travel insurance is not exactly my favorite way to spend money. Could it be because the travel medical insurance is not exactly sexy? Or is it simply adds to the cost of an already expensive trip? Whatever the reason, I prefer not to spend money on travel insurance. However, because I know it really is a need, I buy it. However, I tend to put off buying as long as possible, because it still feels like an "extra". I'm doing a favor or not?
Are you a player?
It keep my money in my pocket for as long as possible to help me or hurt me? By delaying my purchase travel insurance until the day I leave, I'm really hurts. This is because I'm actually betting that nothing will happen to me before buying my insurance. I bet that I or someone in my family do not get sick or injured before departure. Also, if I have not bought that something bad does happen, I will not have any insurance cover and I will be out of luck. I can not be smarter than my travel insurance as soon as possible in order to minimize risk and maximize my own potential benefits?
Do not lose your existing Condition Coverage
There's another reason to buy travel insurance without delay. Sometimes we make our travel plans in stages and not book our flights simultaneously. We travelers are entitled to pre-existing medical exemptions condition exclusion if bought our travel insurance from 7 to 21 days (depending on the policy) to make our arrangements. If we wait any longer, can not be eligible for benefits, especially if an unknown illness materialize.
Do not wait to finish everything before buying
Every time I traveled, I have known in advance what my airline tickets would cost, but what about you? Perhaps you've made travel plans, but have not yet purchased your tickets. I suggest it's a good idea to buy your travel insurance, even if you have not bought your tickets because doing so will ensure that you will qualify for exemption from pre-existing condition exclusion. If you do not know what your flight will cost, estimate the cost and include this amount in the total cost of your trip. Later, when you have purchased your tickets, you can advise the insurance company. That way you will not risk to be eligible for coverage for a medical condition that arises prior to departure.
What to do if you've left on your trip?
I happen to be one of the biggest debtors in the world. My motto is: "Never do today what you can put off until tomorrow, and you might get lucky and not have to do it at all!" Perhaps, too, are a great procrastinator and avoid buying travel insurance before departure. What if you have delayed buying your travel insurance or expatriate insurance until after his departure? Are you out of luck? Are you eligible for insurance because you did not buy before leaving home?
Fortunately, the good news is that even if you decide to buy after departure, you are still eligible for insurance. If you can get Internet access, both travel insurance and expatriate insurance can be found and purchased online, even after leaving on your trip or taken up residence abroad. As the old saying goes: "Better late than never", especially in this case!
Can you get insurance for someone who has already left?
Here's another scenario. What if there is an emergency and a family member (including minors) or a friend or employee has not bought travel insurance, but he's gone on his journey? Do they have to go without insurance? The answer is no, you do not have to go without travel insurance. You, or someone they designate, can go online and buy travel insurance for you. It's good to know that when friends, family or employees are too busy to get your own travel insurance, do not have to go without him.
In this case, all you have to do is fill out an online application and pay online required. You will receive immediate confirmation and can even print a copy of the policy. There is a note of warning though. If you are buying travel insurance on behalf of a minor, you must first register as an adult in order to get the insurance. It is also important to note that it will not be eligible for coverage of pre-existing medical conditions that occur during the trip after departure and before buying insurance. This is just another reason why buying travel insurance should not be delayed.
In the world of travel insurance, definitely Timing is everything
Timing is everything, they say. Buying travel insurance or expatriate was probably not in the mind of whoever coined that phrase. However, these words apply to the purchase of travel insurance as they do with anything else. Given the potential financial ruin if not insured, the time to buy is yours before you need it, buy it because after you need is impossible and much too late. Learning from the "Great Procrastinator" and get the insurance you need before you need it.

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Friday, November 16, 2012

Timing is Everything -- Especially With Travel Insurance

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