NEW YORK, March 18 /PRNewswire/ -- Pre-existing conditions, primary
medical coverage, secondary medical coverage, and initial trip deposit - "What
do they all mean?" Sounds familiar? Relax. Soon after reading this your only
worry will be planning your next vacation.
Now let's take a look at what each term signifies. A pre-existing medical
condition is any medical sickness you've been suffering from prior to your
travel. For example, if you or your traveling companion(s) have been suffering
from diabetes or are wearing a pacemaker, this would mean you have a pre-
existing medical condition.
Pre-existing medical conditions are covered by any one of our "Total
Travel Protection" plans as long as you purchase travel insurance within a
certain time frame of when you book your trip. Some companies allow up to
21 days from your initial trip deposit. Remember that "initial trip deposit"
is either a) the first time you put a deposit down or b) when you paid for
your trip in full.
"If you're like me, the only time I remember to get travel insurance is as
I'm packing, usually less than a week from my departure," said Alex Velinov,
President of Total Travel Insurance. "Last-minute purchase of insurance will
still cover you for emergency medical but not for any emergencies related to
your pre-existing medical conditions."
Primary coverage always covers you from the first dollar up. On the other
hand, plans that offer secondary medical coverage will save you money, but
only cover you after your own private health insurance paid most of the
medical bill. Be sure to find out if your insurance will cover you where you
will be traveling to. Typically, when traveling abroad you are outside of your
network and often are not covered. Don't have any insurance that will cover
you when you're traveling the world? Then primary insurance is your only
option.
When searching for a basic plan that will cover usual trip concerns like
trip cancellation, interruption, lost luggage, trip delay or missed
connection, your best bet is to get a "Total Travel Protection" plan, which
will cover it all. You even get a fair amount of life and accidental death and
dismemberment insurance in case of the God-forbid unforeseeable. These days
you can buy a policy for a pretty good price. Premium is calculated based on
your age and the cost of the trip that you would like to insure. If you are
over 60 years old, expect to pay a higher premium price than, let's say, your
daughter and her fiance.
Insurance can get very confusing, especially if you are new to it or have
a unique situation at hand.
TotalTravelInsurance.com
(http://www.TotalTravelInsurance.com) is a unique website that offers you
the opportunity to research different travel insurance companies, products and
coverages. You can complete a quote and see prices and coverages side-by-side.
Kara Cayman, who is Customer Service Manager at Total Travel Insurance,
says, "Our website is really easy to use. The advantage you get from this site
is the vast choice in finding an ideal plan for your vacation. Not only do we
allow travelers to compare the most plans from all major travel insurance
companies, but we also specialize in helping each traveler with their own
unique traveling situation. Travelers are welcome to call up or email with
any questions they may have prior to purchase."
Still have questions? Customers can email their inquiries to
info@totaltravelinsurance.com or just phone in; a knowledgeable and friendly
staff member is always on standby waiting to help you.
About Total Travel Insurance
Total Travel Insurance is a New York-based travel insurance agency. We are
licensed to sell travel insurance, flight accident, life insurance and health
insurance products. Please visit our web site at
http://www.totaltravelinsurance.com.
CONTACT:
Alex Velinov
TotalTravelInsurance.com
45 Park Ter. W, Ste. 3-G
New York, NY 10034
Toll-Free: (866) 226-7500
Fax: (240) 363-8438
Web site: http://www.totaltravelinsurance.com
Email: info@totaltravelinsurance.com
This release was issued through eReleases(TM). For more information,
visit http://www.ereleases.com.
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