SCHENGEN VISA TRAVEL INSURANCE PLAN

The Schengen visa is a tourist visa which allowed the international traveler to go anywhere and they can freely move in the 26 Schengen countries of Europe. Generally Schengen visa made for traveling to Europe much easier to travel who are going to visit multiple countries in Europe in the same trip because they don’t need to obtain multiple tourist visas to travel. Travelers who are going to visit Schengen countries in Europe may require obtaining Schengen visas, depending on their countries of their citizenship.

These following 26 European countries are included in Schengen area:-

Australia, Czech, Republic, Belgium, Denmark, Finland, France, Germany, Estonia, Greece, Hungary, Italy, Latvia, Liechtenstein, Iceland, Lithuania, Luxembourg, Netherlands, Norway, Portugal, Malta, Slovakia, Slovenia,  Sweden, Spain, Switzerland, Poland.

Everyone who traveling in Europe they can apply for a Schengen visa and they must fulfill the Schengen visa application requirement. These requirements they take as a proof of an adequate travel medical insurance policy that follows tangible requirements.

 Schengen visa travel insurance covered the time period of the traveler stay or transit in Schengen area up to 90 days within an 180 day period, this insurance policy covered only in Schengen countries and the minimum amount of they coverage only EUR 30,000.

Schengen visa travel insurance policy also covers this following circumstance in order to meet the Schengen visa insurance requirement:-

- Emergency hospitality

- Evacuate emergency medical process

- Emergency medical treatment

You must be required to include a letter from the insurance company with your Schengen visa application where they mentioning that your insurance policy these covered these requirements. That insurance company where u purchases this insurance policy they will provide this letter.

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RENTAL CAR COLLISION INSURANCE PLAN

In the event that you are going to take an auto on rent for your excursion, you need to ensure yourself against any harms or repair if something startling thing transpires like mischance Rental Car Collision protection secures you against the costs identified with the rental auto harm or repair. 

On the off chance that you are going out and about trek by rental, it is a considerable choice. It secured harm, burglary of a leased auto by a policyholder at the season of the excursion. It likewise covers the harm and damage, other individuals if the policyholder causes a mishap. 

Some travel protection arrangements ought to be secured rental auto scope as an additional discretionary scope with an additional premium. It is ideal to check with your travel protection approach or check with your operators. 

The arrangements that offer rental auto protection for outsiders in the USA are: 

Travel Guard: Travel Guard Essential, Med Evac 

CSA: CSA travel Protection 

Travel Ex: Travel Plus 

Access America: Basic 

Realities and Important Information for Rental Car Collision Insurance: 

Rental Car accident is a waiver and not protection. 

In the event that you don't have some other protection or auto rental protection, it is insightful to purchase rental auto crash waiver. Continuously attempt to peruse the all the approach records for offer and scope by the insurance agency.

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SPORTS TEAM GROUP INSURANCE PLAN

Sports team insurance is a medical group insurance plan who travel on abroad that support to players for health coverage for the players who traveling abroad as a group or team. Athletes traveling overseas as a team to participate in a tournament, league, competition or attend a sports camp or clinic they have to do sports team insurance because their domestic health insurance may not be covered on the abroad. Sports team insurance ensures that all group or teams are covered in the case of any medical illnesses and injuries. An Insurance policy may cover emergency medical expenses including of any health problem, injuries resulting from athletic, and cover all of the players as well as a team coaches.

Amateur, intramural, club, interscholastic, and intercollegiate athletic teams are covered by the most of the sports team insurance plans. Plans can be customized to covered sports player as like soccer, basketball, tennis, golf, volleyball, swimming etc.

Sports team insurance plan is the best way to get travel medical protection for the team. Sports injuries occurred during the games, matches, and competition and foreign medical bills could result in a financial disaster, especially in a country like the United States where the cost of healthcare is extremely high.

Athletic teams and their coaches who traveling on abroad to participate in any league, competition, tournament, sports camp they have to consider to purchasing a sports team insurance plan.

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TRIP DELAY INSURANCE PLAN

Sometimes at the last minuteof time, your vacation plans should be changed due to unseen strike or an inclement weather, delaying your trip & keeping you are from getting somewhere a special family an event, a business meeting or vacation. Sometimes such at an incident may not only stressful but you can also expensive and you have get to pay additional the expenses for food, medicine and for accommodation.

 Trip delay of insurance gives you reimbursement for additional expenses for foodor additional transportation costs, lodging should be your flight delayed by any other specific reasons or inclement weather. Your insurance policy will cover you for the outing postponement protection advantages if your trek should be delayed of more than estimate number of hours on account of occasions depicted in your strategy, for example, normal transporter delays, weather conditions, accidents, money due to some strike natural disasteror lost of your travel document.

Usually of the benefits of this insurance policy aimed to help you to  rejoin the trip again or return home. In other words, if your trip to gets delayed due to strike or due to changing weather  or any other specific reason trip delay reimburses you for lodging and food.

If there is a flash flood in your own city, forced you to get a delay of your own trip. Reimbursement will cover the daily lodging and food (to the maximum policy) if your trip is delayed for more than an hours required for you a covered reason during your trip. Most of the travel insurance policy covered trip delay along with your trip cancellation. You have lots of option to find a policy that covered trip delay with great benefit. Depending your needs and you can choose the best policy.

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INCOME PROTECTION INSURANCE POLICY

Income protection insurance policy is long-term insurance policy. This covered you if you can’t work because of your injuries or illness. No one want to think that something bad happen to them, but millions of people find themselves unable to work due to some serious injuries or illness. If you can’t work because of serious injuries or illness how could you manage? How could you survive on saving, and how could you pay from work? If you can’t then you have to take an income protection insurance policy. It replaces the part of your income if you can’t work its pay out until u start a work again. Either in short or long term it covered most illness which makes u unable to do work.

The cost of income protection insurance policy is depending on the policy and circumstances. Basically its cover wide ranges of illness and situation which potential to pay out for many years.

The cost of income protection insurance policies vary based on these following factors:-

-          age

-          smoker or non-smoker

-          the percentage of income you’d want to covered

-          health

-          weight

-          family medical history                

You need this insurance policy if you’re self-employed or employ and you don’t have sick pay to fall back on.

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MULTI TRIP INSURANCE PLAN

Multi-trip insurance plan is one of the best insurance plans for the traveler.

This offers you to courage for unlimited trips in the world within the year. If you are a regular traveler who makes multiple trips once a year. Buying a single trip insurance plan would not be a good for the regular traveler.

Single trip plans and multiple trip plans that offer, benefits, medical plans are similar but extend coverage for up to a year for multiple trips. In multiple trips insurance plan, you don’t need to buy the insurance plan every time you go on a trip.

Advantage of multi-trip insurance plan

The Multi-trip plan is good to buy if u knows you are going to take more than two trips in a year. Buying a single trip insurance plan would not be a good option. Buying the insurance each time when you go on a trip is difficult and being expensive.

However, the best solution is here a multi-trip insurance plan which offers you unlimited trips at anywhere on the world in a year.

Also, The multi-trips policy is usually restricted a few number of days if you plan to take longer trips you need to pay extra to buy more days to persevere their insurance. This could eat into any cost saving they initially made. In some cases, it may better to option for a single trip instead of multi-trip insurance plan.

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INTERNATIONAL LIFE INSURANCE PLAN

International life insurance plan that provides coverage for individuals traveling agency. There is lots of insurance plan like national life insurance plan, international life insurance plan. Which provides a lump sum amount in case of the insured death but national life insurance may not provide coverage for a death of insured in abroad.

The International traveler like business missionaries and others traveling on the special deal may need international life insurance when the unexpected thing happen on the traveler. International life insurance provides financial providence for traveler’s families so they have a source of financial income in case of his death. Their family receives lump sum amount foundation on the amount of coverage the policyholder chooses at the time of purchasing the insurance policy.

International life insurance policy is flexible in term period and coverage option also available. Policy terms range from 1 month to 10 years, allowing international travelers to insure almost any trip. Plans typically cover deaths caused by injury, illness, or accidents; deaths caused by pre-existing conditions may not be covered.

International travelers are the pursuit to purchase an international life insurance policy if the company or national life insurance plan does not cover travel abroad. In the unfortunate case that a traveler dead in abroad. International life insurance ensures that his or her family is financially secured and protected. Although nothing can replace a human but International life insurance ensures that to give traveler’s family has financial security during such a difficult time.

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FLIGHT ACCIDENT INSURANCE PLAN

Flight accident insurance plan protect to give coverage against any accident when you are on the licensed flight during the coverage period. Flight accident insurance does not include on the non-commercial flight. It is a form of accidental death and dismemberment insurance only restricted commercial flight.

In a case of any type of accident occurred in flight, the flight accident insurance provides lump sum benefits amount for you or your families. Everyone have to do flight accident insurance when they travel on the flight to protect themselves against accident/death on a flight.

In a case of dismemberment, some unexpected thing happens during the travel a fraction, lost of limb amount should be paid to their family. Flight accident insurance generally pays benefits for the loss of sight, loss of limb, and permanent paralysis. The types of injuries covered and the amount should be paid to insured by depending on the package of an insurance policy and vary from insurer to insurer and are explicitly give by the insurance policy.

Flight accident insurance will not cover under these following circumstances:-

• Death due to Drug Overdose 
• Death as a result of any illness 
• Death during a surgery time 
• Death as a result of mental or physical illness 

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