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Travel Insurance In Belize

Belize Travel Insurance

Having a travel insurance policy is an essential precaution for anyone who plans to travel to Belize, or anywhere in Central America for that matter. Various policies cover a wide range of potential problems, including court fees, trip cancellation, and lost or stolen items.

There are many different insurers that provide a wide variety of products, so it is worth spending some time to research the policy that best matches your needs. Check to see if you already have coverage through a credit card company or bank, both of which sometimes provide basic travel insurance. If you already have a policy for health insurance, life insurance, or rental/homeowner's insurance, you may also have travel insurance coverage.

Medical Insurance in Belize

The most important part of any Belize travel insurance policy is the medical provision. Medical treatment costs for serious injuries can quickly escalate. How much will your insurance provider pay for necessary emergency expenses? Does your policy include emergency rescue and evacuation, should you need to return home for serious medical attention? Most hospitals in Belize demand you pay for treatment up front, usually in cash. If you have to pay cash at a hospital, make sure you get receipts for any medical care you receive so you have copies on hand when making your insurance claim. Before your trip, make sure the travel insurance policy you have chosen covers all the activities you intend on doing, or think you might try. Many adventure activities (climbing, surfing, spelunking) are not covered under basic policies.

Lost or Stolen Items in Belize

Most travel insurance claims revolve around lost or stolen items. If you intend on taking digital cameras, iPads and cellular phones to Belize, there is a chance these items could be stolen or damaged. Purchase a travel insurance policy that offers an appropriate level of protection to cover everything you'll be taking to Belize, or consider leaving anything you're not willing to part with at home.

If you are unfortunate enough to be robbed while in Belize, report the incident to the police within 24 hours. Make sure to get a copy of the report, as your insurance company may demand this (and often a receipt for any stolen items) when you submit your claim.

Basic Belize travel insurance policies may not include any provision for the loss or theft of valuables and, as a general rule of thumb, the more money you are willing to spend on travel insurance, the greater the level of protection you will have. The more comprehensive the policy, the smaller the deductibles, and the higher the single item limits. There may even be coverage for cash and the cost of reissuing passports. Check the details very closely to make sure you are satisfied with the amount of coverage your policy provides.

Student Travel Insurance in Belize

If your studies take you to Belize, it is important to make sure you are covered by appropriate travel insurance. Many study abroad programs require proof of medical insurance or ask students to purchase special policies before commencing studies. If you need to purchase separate coverage, seek out the best policy that suits your needs.

As a student abroad, you may be able to collect added benefits not covered under normal travel insurance policies, including benefits that help refund course costs in the event of cancellation for health reasons. It may also be easier to insure valuables such as iPhones under study abroad insurance policies, and you may even be able to get coverage for work abroad or sporting activities.

Belize Travel Tips on Insurance

Be sure to have your Belize travel insurance provider's 24-hour emergency contact number and a copy of your policy number with you while traveling. It is also a very good idea to keep your insurance details in an E-mail account so you can access the information wherever you are in Belize, even if someone steals your things. Insurance companies recommend taking written copies of any medical conditions, prescriptions and any medication you are taking.

17 Jun 2010

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