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Irrespective of whether you're on a business trip to an urban centre
or a high-risk adventure to a remote spot in Africa don't leave home
without adequate insurance cover. Travel insurance is your
responsibility and you must have it.
There are two main types for which you must make provision:
- International Medical Insurance is short or long term medical
insurance designed to reimburse you for medical expenses incurred
when you're traveling
- Travel Protection Plans will cover your non-reimbursed travel
expenses if an emergency (death, sickness, airline strike, technical
delays on flights, tour company/operator default/bankruptcy etc.)
occurs right before or during your trip causing it to be cancelled,
interrupted or delayed.
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- If your remuneration package, existing insurance policies or
credit cards include international travel insurance then check the
small print to ensure that you're adequately covered.
- "Adequate cover" is a bit like defining the length of a
piece of string. Understand that if you require emergency evacuation
or urgent high care treatment for whatever reason, you'll need to be
able to cover the costs without delay. International travel
insurance whilst on foreign travel is a prudent option under normal
circumstances - it's an absolute necessity when planning a safari in
Africa.
- Ensure that your premiums are up to date and keep a copy of your
travel insurance card or certificate of coverage handy.
- See your dentist before you travel and discuss your travel plans
with your doctor before you leave. Our general information on medical
issues should be reviewed.
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Web sources for travel insurance
- For US Residents: Access
America, Travel
Guard International, TravelSafe,
World
Medical Plan, Universal
Travel Protection
- For UK Residents: Travel
Insurance Direct
- World
Travel Center: read the newsletters, featured articles and
global notes - valuable resource for simple facts on travel
insurance
- Global
Travel Insurance: travel tips for the "travel weary and
travel savvy" - simple, sensible stuff...
- Health
International: based in Southern Africa, has a distinct
advantage of being on the ground in Johannesburg, Harare, Lusaka,
Lilongwe - get a quote for evacuation and assistance plans -
includes special plans for UK residents
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