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Best Travel Insurance Deals

Posted on October 20th, 2017

Best Travel Insurance Deals

The best Travel Insurance deals are obtained by comparing all trip plans offered by the major carriers. You can’t negotiate, so compare.

That’s exactly why we created AardvarkCompare.
We take all the hassle away from finding major insurance carriers, then sending them all the same information.

Best Travel Insurance Deals | AardvarkCompare.com

But why aren’t their any ‘deals’?
Why can’t a customer get a better price for the same policy by shopping around?

Best Travel Insurance Deals – State Regulation

The USA is unusual in that its insurance business is not regulated federally, or by central government. It is a matter for the states. Each of the 50 states, and Washington DC, is responsible for the creation of its own insurance legislation. Each state has its own insurance commission staffed by serious professionals.

Best Travel Insurance Deals – No Deals

So, that’s the first main difference that the US has with the rest of the world in terms of insurance – state regulation, not federal.

The next difference is with regard to the application of both state and federal anti-discrimination law.

Now, before you fall asleep, this is quite important. This law essentially translates for us in the insurance world as preventing any ‘deal’ on personal insurance.

Why so?
Personal insurance is that which is sold to a private citizen – home, health, auto, life, travel, etc. Business insurance is something that is sold to a company.
Companies can negotiate with an insurance carrier; they can get a ‘deal’.

Private citizens cannot negotiate. They have no bargaining power and are not expected to be able to negotiate a complex financial product.

So, Insurance carriers create small groups of underwriting classes – people that present the same risk. These groups are assigned insurance costs for a given risk, which translate to prices. We then have risk-based pricing.

This risk, or group of risks, forms a policy.
The policy is priced, based on the risks associated with that particular underwriting class. The policy is filed with a state insurance commissioner, and every single person in that risk-class will be priced the same way.

Best Travel Insurance Deals – Price Certainty

Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website?

You will not pay a penny more when purchasing an insurance policy through Aardvark. The law forbids it. All we do is pull quotes from insurance carriers and present them to a customer. No personal information is exchanged with an insurance carrier – we do not ‘sell’ a lead.

In essence, our services are free of charge to the customer.
The insurance carrier pays us a commission associated with any sale of a policy.
And, as you might imagine, the commission itself is also filed with each and every state insurance commissioner.

The USA is one of the few countries in the world that has this type of multi-level price protection for a consumer. You should have great confidence in the systems that are in place – they are world-class.

Best Travel Insurance Deals - One Site – Multiple Carriers | AardvarkCompare.com

Any of us who have used a site like Amazon or Expedia already know how simple comparison-shopping can be. Sites like AardvarkCompare do exactly the same for Travel Insurance. So, when buying trip insurance, would you prefer to go to each insurance carrier directly? Or, would you like an Amazon experience and have every major policy in one place?

Best Travel Insurance Deals – Compare & Save, Quickly

The only wave to get the best travel insurance deals in the USA is to shop around between the insurance carriers themselves. We’ve shown why it is not possible to negotiate with the carrier directly to get the same policy at a better price.

But you can compare similar policies that the different insurance carriers offer. Much better to have the insurance carriers show you their complete coverage levels and guaranteed prices. Then, choose the cover you need, from a reputable company, with the lowest price.

All we need is 2 minutes of your time.

Safe Travels.

 

 

 

 


United Kingdom Travel Health

Posted on October 20th, 2017

United Kingdom Travel Health

Learn more about United Kingdom Travel Health with an overview from both CDC and US State Department. We cover Vaccines, Medicines, and Insurance. At AardvarkCompare we look at a variety of different information sources in order to get a better view of a country and its health systems.

United Kingdom Travel Health | AardvarkCompare.com

United Kingdom Travel Health – CDC

Vaccines & Medicines

All travelers
You should be up to date on routine vaccinations while traveling to any destination. Some vaccines may also be required for travel.

Routine vaccines
Make sure you are up-to-date on routine vaccines before every trip. These vaccines include measles-mumps-rubella (MMR) vaccine, diphtheria-tetanus-pertussis vaccine, varicella (chickenpox) vaccine, polio vaccine, and your yearly flu shot.

Some travelers
Ask your doctor what vaccines and medicines you need based on where you are going, how long you are staying, what you will be doing, and if you are traveling from a country other than the US.

Hepatitis A
Hepatitis A outbreaks occur throughout the world and sometimes in countries with a low risk for hepatitis A (including the US). You can get hepatitis A through contaminated food or water in United Kingdom, so talk to your doctor to see if the hepatitis A vaccine is right for you.

Hepatitis B
You can get hepatitis B through sexual contact, contaminated needles, and blood products, so CDC recommends this vaccine if you might have sex with a new partner, get a tattoo or piercing, or have any medical procedures.

Rabies
Rabies is present in bats in the United Kingdom. However, it is not a major risk to most travelers. CDC recommends rabies vaccine for only these groups:

  • Travelers involved in outdoor and other activities in remote areas that put them at risk for bat bites (such as adventure travel and caving).
  • People who will be working with or around bats (such as wildlife professionals and researchers).

 

United Kingdom Travel Health – US State Department

While medical services are widely available, free medical care under the National Health System (NHS) is allowed only for UK residents, certain EU nationals, and some visa holders. 

An NHS surcharge is assessed on certain visa applicants at the time of application. Tourists and short-term visitors will not be assessed the surcharge, but will be charged 150 percent of the cost of any medical treatment they receive from the NHS. Unpaid balances of £1,000 or more can result in being barred from return to the United Kingdom.

US Medicare does not pay medical bills. Be aware that U.S. Medicare does not apply overseas. 

Medical Insurance: Make sure your health insurance plan provides coverage overseas.  Most care providers overseas only accept cash payments.   See our webpage for more information on insurance providers for overseas coverage

We strongly recommend supplemental insurance (our webpage) to cover medical evacuation.

Carry prescription medication in original packaging, along with your doctor’s prescription. Certain prescriptions available in the United States are classed as narcotics in the United Kingdom and not available. 

Vaccinations: Be up-to-date on all vaccinations recommended by the U.S. Centers for Disease Control and Prevention.

Vaccinations: Be up-to-date on all vaccinations recommended by the U.S. Centers for Disease Control and Prevention.

Further health information:

 

Safe Travels.

 

 


JAL Travel Insurance

Posted on October 20th, 2017

JAL Travel Insurance

JAL Travel Insurance cannot be purchased by travelers who book their flights from the USA. This should not be a problem as there are many other options to choose from.

JAL Travel Insurance | AardvarkCompare.com

When flying within the USA we have become accustomed to having airline trip insurance promoted at check-out. At AardvarkCompare we have shown over the years that US airline insurance is typically of terrible value – high prices with low cover.
So, when we see that ‘JAL Travel Insurance’ is not promoted to travelers out of the US, we see this as a positive – customers can now compare and save.

JAL Travel Insurance – Flight Grid

The flight grid that JAL uses within its site is reasonably intuitive. We prefer the system that its competitor, ANA, uses, but the JAL system is nearly as clear.

JAL Travel Insurance - Flight Grid | AardvarkCompare.com

Like most airlines, JAL is keen to sell the exact same seat for more money by changing the cancellation rules. Here we are presented with ‘Economy Special’ and ‘Economy Upgraded’.
Now, bear in mind that this is the exact same seat, same food, and the same entertainment system.
Yet somehow one is $440 more expensive than the other. On each leg!
So, we are looking at a total of $880 for what?

JAL Travel Insurance – Economy Fare Rules

Let’s find out.

JAL Travel Insurance - Fare Rules | AardvarkCompare.com

JAL, to its credit, makes the comparison between fare types very simple. The pop-up box is obvious, and then the information pretty detailed.
It turns out that there are actually 5 booking classes for JAL in economy. We were only presented with 2 of them in our booking, thank goodness.

The difference between Special and Upgradeable is…nothing. A few more miles are available on one versus the other. Be vary careful when selecting your fare class with any airline – they are almost baiting you to spend money unnecessarily.

JAL Travel Insurance – Expensive Economy Seats

We chose our Economy seat at came in at $1,822. This is still an incredibly expensive seat. JAL is a wonderful airline, but flights to and from Japan are double that of those to Singapore, with Singapore Airlines.

JAL Travel Insurance - $1,822 Economy | AardvarkCompare.com

At Aardvark, we have been privileged to travel to and from Japan on many occasions, and still cannot understand why the flights are so expensive, compared with similar-distance flights to other Asian countries.

JAL Travel Insurance – Compare & Save

We explained that JAL Travel Insurance is not available during the ticket buying process. AardvarkCompare takes care of this. We get binding insurance quotes, anonymously, from all our major travel insurance carriers.

Here are some excellent low cost options for our trip to Tokyo.
iTI, RoamRight, and TII all have great plans for around $50 for our traveler.

JAL Travel Insurance - Aardvark Options | AardvarkCompare.com

One of our most successful low cost policies is the iTI Lite plan. It is certainly low-cost – only $55. 
But it has $100k of Medical Sickness coverage and $250k of Medical Evacuation cover.

JAL Travel Insurance - iTI Lite | AardvarkCompare.com

What is more surprising is that it also has really robust Cancel for Work cover.
We typically do not see such cover in this type of low-cost plan, hence it being one of our favorites.

JAL Travel Insurance – Cancel for Any Reason

Some people prefer to have a policy in place that provides Cancel for Any Reason coverage.

This super-powerful benefit does precisely what it says. A traveler needs no reason at all to cancel yet will still receive a significant refund. Our policies that incorporate ‘Cancel for Any Reason’ cover rebate at 75%.

The use of Cancel for Any Reason insurance to lower airline ticket prices has been described as the Airline Ticket Hack. Refundable benefits, yet with Non-Refundable Ticket Costs.

JAL Travel Insurance - Cancel for Any Reason | AardvarkCompare.com
The TII Worldwide Trip Protector Plus at $123 offers great value.
The iTI Travel LX is a little less expensive at $116, and has much higher Medical Cover.
Both are excellent plans, and should be considered.

JAL Travel Insurance – One Site – Many Carriers

We love Amazon and are fans of Expedia. Comparison-shopping is simple. 
Sites like AardvarkCompare do exactly the same for Travel Insurance. 
Would you like to visit each travel insurance carrier directly? Of course not. 
Take the Amazon-like travel insurance experience at Aardvark.

So when buying trip insurance, which should you choose?
That’s the beauty of insurance comparison – you get to see all the best prices in the market.

JAL Travel Insurance – Does Aardvark charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed as a result of anti-discriminatory insurance law in the US. 
Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website? This is really powerful consumer protection.

A travel insurance marketplace like AardvarkCompare will offer a multitude of different plans from some of the most respected Travel Insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip with JAL.

JAL Travel Insurance - Tokyo | AardvarkCompare.com

Safe Travels.

 

 

 

 

 

 

 

 

 


Trip Insurance Comparison

Posted on October 19th, 2017

Trip Insurance Comparison

Trip Insurance Comparison is simple. We look at all the major travel insurance companies in the USA. We compare their products in terms of price, cover, and insurer rating. Price of a policy is important, of course, but other aspects are important, too.

Trip Insurance Comparison | AardvarkCompare.com

AardvarkCompare was created to carry out this task in less than 2 minutes. Our customers get to look at the policies offered by the largest Travel Insurance Carriers in the USA. So, Trip Insurance Comparison need not be complex

Let’s begin with matters other than cost.

Arguably of more concern is the financial stability of the underwriting Trip Insurance Carrier. In order to assess this concern we rely upon A.M. Best ratings.

Trip Insurance Comparison – A.M. Best

Why would we be concerned as to the financial stability of the insurance carrier? We want to make sure that the carrier has the capacity to pay any claims in the future. The financial health of the insurance carrier is critical.

At Aardvark, we use A.M. Best ratings for every one of our travel insurance carriers.
Our customers should notice that there is an A.M. Best rating in every quote box.
Importantly, every insurer on the AardvarkCompare platforms enjoys an A.M. Best Rating of at least A, which equals ‘Excellent’.

This rating means that our insurance carriers have very strong balance sheets, operating performances and business profiles. Both when viewed as stand-alone entities, but also when compared with other insurance carriers.

This is important. Now that we know that the insurance carrier is financially stable we can look at coverage and cost.

Trip Insurance Comparison – Cover

Each Travel Insurance Carrier creates their own insurance plans. They will decide on the types of cover that they offer, and the levels of coverage. Each will be a little different, however, we will see similar coverage types in many plans. Most trip insurers like to provide 3 different plans of increasing cover. Think of them as Silver, Gold and Platinum.

As such, a customer looking for a basic cancellation policy has a Silver plan to choose from. Whereas someone who wants far more robust cancellation options, hospital of choice, massive medical coverage etc. may choose a Platinum plan.

A large number of our customers come to Aardvark having already been presented with Expedia trip insurance. They want to run a Trip Insurance Comparison having seen what Expedia has to offer. Almost every time they find that there are much better plans – higher levels of cover for significantly less money than Expedia offers.

Cost is important, and it pays to shop around. So..

Trip Insurance Comparison – Price

Once we have established the level of cover we need, now, arguably, we can look at price.

Where we see most obvious impact on the price of a trip insurance policy is when Cancellation benefits are improved. Trip Insurance will have Basic Cancellation Benefits, then Cancel for Work Reasons, and then Cancel for Any Reason. As reasons for cancellation become more flexible, price increases.

Associated Medical Benefits will also directly impact the price of a policy. The greater the medical benefits, the more expensive the policy is likely to be.

Trip Insurance Comparison – Other matters

Older travelers will pay more for a policy than a younger one.

More expensive trips incur higher insurance costs.
Do remember travelers should only insure their non-refundable costs.

The length of the trip will impact price. The longer you are away, the more expensive the policy. Do remember to insure your day of departure and your day of arrival. Often we see Cruise passengers who do not insure their days getting to and from the port. This is a mistake. Don’t leave your travel days uncovered.

The cost of healthcare varies significantly around the world. Some countries are much more expensive than others as a patient. Of course, medical repatriation increases in cost as distances from home increase as well.

Trip Insurance Comparison – Compare & Save, Quickly

Our simple advice for achieving Trip Insurance Comparison – use a travel insurance marketplace like AardvarkCompare. You will now be comparing insurance plans from the leading travel insurance carriers in the USA. You can see their financial stability via their A.M. Best ratings. You can compare coverage. More importantly, you can check and compare price. Each of the national travel insurance carriers will price differently – you get to compare and choose the one that offers best value for you.

At AardvarkCompare we suggest that when you travel you should consider travel insurance. You can get an anonymous quote in seconds, and compare dozens of the top travel plans from many of the largest US travel insurers, saving you time and money finding the right travel plan for your needs.

What many people do not know is that they won’t find the same flight insurance plans available at a better price – price certainty is guaranteed as a result of anti-discriminatory insurance law in the US. 
Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website?

In short – the price of a trip insurance quote for an insurance plan that you see from AardvarkCompare is the same price you would see from the insurance carrier direct – we are not allowed to compete on price for ‘filed’ insurance products. No one is. You are certain to get best value from us.

Safe Travels.

 

 


Canada Travel Health

Posted on October 19th, 2017

Canada Travel Health

Learn more about Canada Travel Health with an overview from both CDC and US State Department. We cover Vaccines, Medicines, Insurance. At AardvarkCompare we look at a variety of different information sources in order to get a better view of a country and its health systems.

Canada Travel Health | AardvarkCompare.com

Canada Travel Health – CDC

Vaccines & Medicines

All travelers
You should be up to date on routine vaccinations while traveling to any destination. Some vaccines may also be required for travel.

Routine vaccines
Make sure you are up-to-date on routine vaccines before every trip. These vaccines include measles-mumps-rubella (MMR) vaccine, diphtheria-tetanus-pertussis vaccine, varicella (chickenpox) vaccine, polio vaccine, and your yearly flu shot.

Some travelers
Ask your doctor what vaccines and medicines you need based on where you are going, how long you are staying, what you will be doing, and if you are traveling from a country other than the US.

Hepatitis A
Hepatitis A outbreaks occur throughout the world and sometimes in countries with a low risk for hepatitis A (including the US). You can get hepatitis A through contaminated food or water in Canada, so talk to your doctor to see if the hepatitis A vaccine is right for you.

Hepatitis B
You can get hepatitis B through sexual contact, contaminated needles, and blood products, so CDC recommends this vaccine if you might have sex with a new partner, get a tattoo or piercing, or have any medical procedures.

Rabies
Although rabies can be found in dogs, bats, and other mammals in Canada, it is not a major risk to most travelers. CDC recommends this vaccine only for these groups:

  • Travelers involved in outdoor and other activities in remote areas that put them at risk for animal bites (such as adventure travel and caving).
  • People who will be working with or around animals (such as wildlife professionals, and researchers).

Canada Travel Health – US State Department

US Medicare does not pay medical bills. Be aware that U.S. Medicare does not apply overseas. 

Medical Insurance: Make sure your health insurance plan provides coverage overseas.  Most care providers overseas only accept cash payments.   See our webpage for more information on insurance providers for overseas coverage

We strongly recommend supplemental insurance (our webpage) to cover medical evacuation.

Carry prescription medication in original packaging, along with your doctor’s prescription. 

Healthcare in Canada: The level of public health and sanitation in Canada is high. Canada’s medical care is of a high standard but is government-controlled. Quick and easy access to ongoing medical care is difficult for temporary visitors who are not members of each province’s government-run health care plans. Many physicians will not take new patients. Access to a specialist is only by referral and may take months to obtain. Emergency room waits can be very long. Some health care professionals in the province of Québec may speak only French.

Vaccinations: Be up-to-date on all vaccinations recommended by the U.S. Centers for Disease Control and Prevention.

Further health information:

 

Safe Travels.

 


Singapore Airlines Travel Insurance

Posted on October 19th, 2017

Singapore Airlines Travel Insurance

Singapore Airlines Travel Insurance cannot be booked on their US site. We discuss different options from leading US Trip Insurance Carriers.

Singapore Airlines Travel Insurance | AardvarkCompare.com

Over the years, those of us based in the US have become used to being sold trip insurance by an airline every time we fly.

At AardvarkCompare we have shown over the years that airline travel insurance is almost always over-priced and under-covered.

Singapore Airlines does not try to sell poor quality and expensive travel insurance to customers. This is really good news. We can now search ourselves amongst the many specialist trip insurance carriers in the US to find competitive quotes.

We are a huge fan of Singapore Airlines at AardvarkCompare. Over the years we have flown with them on many occasions. Their aircraft are always the most modern, the interiors are beautiful. Their staff go out of their way to be helpful. The on-board experience is second to none. Singapore Airlines continues to be the benchmark that the rest of the aviation world aspires to.

Singapore Airlines Travel Insurance – Flight Options

We think that Singapore does a good job in displaying different pricing options for customers using a multi-day price grid.
Something that we noted throughout our site experience was that Singapore Airlines website is much slower than other carriers.

Singapore Airlines Travel Insurance - Flight Grid | AardvarkCompare.com

We selected the least expensive economy flight for our trip. Singapore offers 4 different fare types for the same Economy seat. Prices ranged from $927 up to $1527.

Singapore Airlines Travel Insurance - Economy Options | AardvarkCompare.com

Remember, this is the same seat. Same food. The exact same entertainment system. The difference is that if a traveler pays an extra $600 then they can get a partial refund. We will show later on why it rarely, if ever, makes sense to buy anything other than a Non-Refundable seat.

Singapore Airlines Travel Insurance - Fare Rules | AardvarkCompare.com

We really like Non-Refundable seats at AardvarkCompare! So, we chose the all-inclusive $927 ticket. We think that this represents really good value, for such a long return flight, with one of the world’s best airlines.

Singapore Airlines Travel Insurance – Shop Around

Now, Singapore Airlines Travel Insurance does not exist from their website. You will need to find it yourself. It only takes a few minutes to search for options with us at Aardvark. Here is what we found.

Singapore Airlines Travel Insurance - Aardvark Options | AardvarkCompare.com
iTI, RoamRight, and TII all have great plans for around $30 for our traveler.

We offer a number of low cost plans. But the iTI Lite plan gains most interest. It is certainly low-cost – only $30 for this flight. But with $100k of Medical Sickness coverage and $250k of Medical Evacuation cover it has strong benefits.

Singapore Airlines Travel Insurance - iTI Lite | AardvarkCompare.com

However, where it really stands out is its Cancel for Work cover.
Typically, low-cost plans do not have such coverage, hence our recommendation of it to our customers.

Why is Cancel for Work helpful? Imagine that your employer canceled your vacation. With Cancel for Work cover you can get a 100% refund.

Singapore Airlines Travel Insurance – Cancel for Any Reason

Earlier we discussed that we would not spend an extra $600 for a Partially-Refundable ticket with Singapore.

Here’s why.

With Cancel for Work cover, we are in good shape in case of work-related cancellation. But what if we simply change our minds and decide that we do not wish to fly anymore? How then can we get some form of refund? That is where Cancel for Any Reason coverage comes in.

This super-powerful benefit that does exactly what it says. A traveler needs to have no reason at all to cancel and still receive a significant refund. The policies that we have that provide such cover rebate at 75%.

The use of Cancel for Any Reason insurance to lower ticket prices has been described as Airline Ticket Hack. Refundable benefits, yet with Non-Refundable Ticket Costs.

Singapore Airlines Travel Insurance - Cancel for Any Reason | AardvarkCompare.com
The TII Worldwide Trip Protector Plus at $75 offers great value.
The iTI Travel LX is a little more expensive at $81, but has much higher Medical Cover. We would probably take the Travel LX in this case, just for the higher coverage levels.

Singapore Airlines Travel Insurance – One Site – Many Carriers

We love Amazon and are fans of Expedia. Comparison-shopping is simple. 
Sites like AardvarkCompare do exactly the same for Travel Insurance. 
Would you like to visit each travel insurance carrier directly? Of course not. 
Take the Amazon-like travel insurance experience at Aardvark.

So when buying trip insurance, which should you choose?
That’s the beauty of insurance comparison – you get to see all the best prices in the market.

Singapore Airlines Travel Insurance – Does Aardvark charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed as a result of anti-discriminatory insurance law in the US. 
Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website? This is really powerful consumer protection.

A travel insurance marketplace like AardvarkCompare will offer a multitude of different plans from some of the most respected Travel Insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip with Singapore Airlines.

Singapore Airlines Travel Insurance - Singapore | AardvarkCompare.com

Safe Travels.

 

 


Short Term Travel Insurance

Posted on October 18th, 2017

Short Term Travel Insurance

Have you ever wondered the value of short term travel insurance? If you are only traveling for one or two days, is it even worth it. A large number of our insurance policies at AardvarkCompare are for ultra-short trips. They often cost less than $20.

We wanted to explain the logic behind this with an example.

Short Term Travel Insurance | AardvarkCompare.com

Short Term Travel Insurance – Mexico City Day Trip

Those of us who have traveled for business with a corporation know that long day trips are the norm rather than the exception. Our traveler is flying south from California for a meeting in Mexico City.

She has an early start, then a cab from the airport to her meeting. She’ll grab a late lunch near the meeting. Then, finally, head back to the airport to fly home after a very long day.

Her flight is her only purchase for the day-trip, and comes in at $495.

Short Term Travel Insurance – Why Bother?

Travel Insurance covers trip cancellation.
It covers medical sickness.
Our traveler has medical evacuation cover.
If bags are lost or delayed, coverage is in place.

When we travel at AardvarkCompare, our primary reason for looking for short term travel insurance is for medical cover.

In this example, our traveler is heading towards one of the most congested cities in the world.
Mexico City is amazing, but it has chaotic roads, and accidents happen.

Short Term Travel Insurance - Mexico City | AardvarkCompare.com

We have a series of long road trips to and from the airport, and plenty of walking around congested streets. Our traveler who is tired, and unfamiliar with her environment.

Why on earth would we not want to get protection for this type of trip?

Short Term Travel Insurance – How Much?

Most people are astonished at how reasonable the costs are for short term travel insurance. Less than $20. Food on board the aircraft will be more expensive than the trip insurance.

Here are some options for our trip.

Here are some excellent low cost options for our trip to Mexico City.
iTI, RoamRight, and TII all have great plans for around $20 for our traveler.

Short Term Travel Insurance 1 Day - Low Cost Options | AardvarkCompare.com

One of our most successful low cost policies is the iTI Lite plan. It is certainly low-cost – only $19
But it has $100k of Medical Sickness coverage and $250k of Medical Evacuation cover.

Why on earth would we not want to get protection for this type of trip?

Short Term Travel Insurance – Road Traffic Accident

According to CDC half of medical evacuations back to the US are the result of a car crash. The cost of that evacuation can cost upwards of $100k.

There is no way that any travelers should place themselves in a position of financial ruin as a result of an accident abroad.

Short term travel insurance is inexpensive, yet has powerful cover.

 

Safe Travels!

 


Mexico Travel Health

Posted on October 18th, 2017

Mexico Travel Health

Learn more about Mexico Travel Health with an overview from both CDC and US State Department. We cover Vaccines, Medicines, Water, Insurance. At AardvarkCompare we look at a variety of different information sources in order to get a better view of a country and its health systems.

Mexico Travel Health | AardvarkCompare.com

Mexico Travel Health – CDC

Zika virus is a risk in Mexico.

  • Pregnant women should not travel to Mexico because Zika infection during pregnancy can cause serious birth defects.
  • Partners of pregnant women and couples planning pregnancy should know possible risks to pregnancy and take preventive steps.Before travel, those planning pregnancy should talk to their doctor or other healthcare provider.
  • All travelers should follow steps to prevent mosquito bites during and after their trip. Travelers should also use condoms during and after their trip to prevent sexual transmission of Zika. This will protect against getting Zika while traveling and stop its spread to others back home

Vaccines & Medicines

All travelers

You should be up to date on routine vaccinations while traveling to any destination. Some vaccines may also be required for travel.

Routine vaccines

Make sure you are up-to-date on routine vaccines before every trip. These vaccines include measles-mumps-rubella (MMR) vaccine, diphtheria-tetanus-pertussis vaccine, varicella (chickenpox) vaccine, polio vaccine, and your yearly flu shot.

Most travelers

Get travel vaccines and medicines because there is a risk of these diseases in the country you are visiting.

Hepatitis A

CDC recommends this vaccine because you can get hepatitis A through contaminated food or water in Mexico, regardless of where you are eating or staying.

Typhoid

You can get typhoid through contaminated food or water in Mexico. CDC recommends this vaccine for most travelers, especially if you are staying with friends or relatives, visiting smaller cities or rural areas, or if you are an adventurous eater.

Some travelers

Ask your doctor what vaccines and medicines you need based on where you are going, how long you are staying, what you will be doing, and if you are traveling from a country other than the US.

Hepatitis B

You can get hepatitis B through sexual contact, contaminated needles, and blood products, so CDC recommends this vaccine if you might have sex with a new partner, get a tattoo or piercing, or have any medical procedures.

Malaria

When traveling in Mexico, you should avoid mosquito bites to prevent malaria. You may need to take prescription medicine before, during, and after your trip to prevent malaria, depending on your travel plans, such as where you are going, when you are traveling, and if you are spending a lot of time outdoors or sleeping outside. Talk to your doctor about how you can prevent malaria while traveling. For more information on malaria in Mexico, see malaria in Mexico.

Rabies

Although rabies can be found in dogs, bats, and other mammals in Mexico, it is not a major risk to most travelers. CDC recommends this vaccine only for these groups:

  • Travelers involved in outdoor and other activities in remote areas that put them at risk for animal bites (such as adventure travel and caving).
  • People who will be working with or around animals (such as veterinarians, wildlife professionals, and researchers).
  • People who are taking long trips or moving to remote areas in Mexico
  • Children, because they tend to play with animals, might not report bites, and are more likely to have animal bites on their head and neck.

Mexico Travel Health – US State Department

Excellent health facilities are available in Mexico City and other major cities, but training and availability of emergency responders may be below U.S. standards.  Mexican facilities often require payment “up front” prior to performing a procedure. Hospitals in Mexico do not accept U.S. health insurance or Medicare/Medicaid. See our web page for more information on insurance providers for overseas coverage. You may also consider supplemental insurance to cover medical evacuation. A list of doctors and hospitals is available on the Embassy or Consulate’s website.  

U.S. citizens have lodged a large number of complaints about unethical business practices, prices, and collection measures against some of the private hospitals in Cancun, the Maya Riviera, and Cabo San Lucas. Travelers should make efforts to obtain complete information on billing, pricing, and proposed medical procedures before agreeing to any medical care in these locations.

US Medicare does not pay medical bills. Be aware that U.S. Medicare does not apply overseas. 

Water Quality: In many areas in Mexico, tap water is not potable. Bottled water and beverages are safe, although you should be aware that many restaurants and hotels serve tap water unless bottled water is specifically requested.  

Altitude: Many cities in Mexico, such as Mexico City, have high altitude, which can lead to altitude illness. Visit the U.S. Centers for Disease Control and Prevention website for more information about Altitude Illness.

The following diseases are prevalent:

Be up-to-date on all vaccinations recommended by the U.S. Centers for Disease Control and Prevention.

For further health information, go to:

Safe Travels!

 


ANA Travel Insurance

Posted on October 18th, 2017

ANA Travel Insurance

ANA Travel Insurance is not available to customers who book their flights out of the USA. Not to worry, there are plenty of options available to customers with just a minute or two of searching.

ANA Travel Insurance | AardvarkCompare.com

Those of us who fly frequently within the USA are used to having the airline push their version of travel insurance to us on check-out. Over the years at AardvarkCompare we have shown that US airline insurance is consistently over-priced with poor coverage.
So, the fact that ANA (All Nippon Airways) does not sell ‘ANA Travel Insurance’ to US-based customers is great news. Customers can now choose – we will show you how.

ANA Travel Insurance – Site Layout

The pricing grid layout of the ANA site is super-simple. Its intuitive nature allows travelers to see cheapest flights over a multi-day period. A few other airlines use similar systems. In our opinion, this is the most efficient search system available for air travel.

ANA Travel Insurance - Economy Options | AardvarkCompare.com

The price difference between Economy and Premium Economy was not great in our outbound leg, so we selected the Non-Refundable Premium Economy Seat.

Had we wanted to make the seat Refundable, we would have needed to spend an extra $400 each way, $800 in total.
That does not represent good value.

We can insure that risk away later using Cancel for Any Reason Travel Insurance.
We will show you how to do this later in the article.

ANA Travel Insurance - Premium Economy | AardvarkCompare.com

ANA does not make it very easy to compare the booking benefits of moving between booking classes. Other airlines offer a much more intuitive drop-down comparison box to check. So, this is an area where ANA could easily improve the web experience.

Ultimately, we chose Premium Economy Outbound, and Economy Return.
Total price was $1,950.
This is an expensive flight, but that is something that we consistently see when we travel to Japan. It is rare to find low-cost flights to Japan.

ANA Travel Insurance - $1,950 SFO - NRT | AardvarkCompare.com

ANA Travel Insurance – Compare & Save

We explained that ANA Travel Insurance is not available during the ticket buying process. AardvarkCompare takes care of this. We get binding insurance quotes, anonymously, from all our major travel insurance carriers.

Here are some excellent low cost options for our trip to Tokyo.
iTI, RoamRight, and TII all have great plans for around $50 for our traveler.

ANA Travel Insurance - Aardvark Options | AardvarkCompare.com

One of our most successful low cost policies is the iTI Lite plan. It is certainly low-cost – only $55.
But it has $100k of Medical Sickness coverage and $250k of Medical Evacuation cover.

ANA Travel Insurance - iTI Lite | AardvarkCompare.com
What is more surprising is that it also has really robust Cancel for Work cover.
We typically do not see such cover in this type of low-cost plan, hence it being one of our favorites.

ANA Travel Insurance – Cancel for Any Reason

Some people prefer to have a policy in place that provides Cancel for Any Reason coverage.

This super-powerful benefit does precisely what it says. A traveler needs no reason at all to cancel yet will still receive a significant refund. Our policies that incorporate ‘Cancel for Any Reason’ cover rebate at 75%.

The use of Cancel for Any Reason insurance to lower airline ticket prices has been described as the Airline Ticket Hack. Refundable benefits, yet with Non-Refundable Ticket Costs.

Remember, earlier we talked about spending an additional $800 to make our seat refundable.
Well, we achieve much of the same objective using low-cost travel insurance.

ANA Travel Insurance - Cancel for Any Reason | AardvarkCompare.com
The TII Worldwide Trip Protector Plus at $123 offers great value.
The iTI Travel LX is a little less expensive at $116, and has much higher Medical Cover.
Both are excellent plans, and should be considered.

ANA Travel Insurance – One Site – Many Carriers

We love Amazon and are fans of Expedia. Comparison-shopping is simple. 
Sites like AardvarkCompare do exactly the same for Travel Insurance. 
Would you like to visit each travel insurance carrier directly? Of course not. 
Take the Amazon-like travel insurance experience at Aardvark.

So when buying trip insurance, which should you choose?
That’s the beauty of insurance comparison – you get to see all the best prices in the market.

ANA Travel Insurance – Does Aardvark charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed as a result of anti-discriminatory insurance law in the US. 
Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website? This is really powerful consumer protection.

A travel insurance marketplace like AardvarkCompare will offer a multitude of different plans from some of the most respected Travel Insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip with ANA.

ANA Travel Insurance - Tokyo | AardvarkCompare.com

Safe Travels.

 

 

 

 

 

 

 

 


Qatar Airways Travel Insurance

Posted on October 17th, 2017

Qatar Airways Travel Insurance

Qatar Airways Travel Insurance is not available when a flight is booked through Qatar Airways US Website. The airline does have a relationship with AIG, but this insurance is not available in the USA.

Qatar Airways Travel Insurance | AardvarkCompare.com

By now, we are all used to being offered trip insurance whenever we buy a flight ticket. We have tried to show over the years that the insurance offered by airlines is almost always bad value.

Qatar Airways Travel Insurance Not available in USA | AardvarkCompare.com

So, the fact that Qatar is not pushing poor quality and expensive travel insurance to customers is really good news.

Qatar Airways Travel Insurance – Flight Options

Qatar does a reasonable job in displaying different pricing options for customers. We prefer the multi-day price grid that carriers like Qatar Airways uses. These tend to be much clearer for customers to identify better value flights.

Qatar Airways Travel Insurance Price Grid | AardvarkCompare.com

We selected one of the least expensive economy flights for our trip. Please bear in mind that we booked over 6 months in advance. Yet, we still have a total flight price of $2,744. This is a very expensive trip. A similar trip booked to Dubai at the same time with Emirates was only $993 – one third of the price.

We selected a Non-Refundable ticket. The Refundable Economy seat is $3,850 – over $1,000 more. Don’t worry, we can still protect our investment when we look for our Trip Insurance later.

Qatar Airways Travel Insurance $2,744 Economy | AardvarkCompare.com

Qatar Airways Travel Insurance – Shop Around

It only takes a few minutes to search for options. Here is what we found.

Qatar Airways Travel Insurance Aardvark Options | AardvarkCompare.com
iTI, RoamRight, and TII all have great plans for around $80 for our traveler.

Of all the low-cost plans we offer, the iTI Lite plan gains most interest. It is certainly low-cost – only $80. But with $100k of Medical Sickness coverage and $250k of Medical Evacuation cover it has strong benefits.

Qatar Airways Travel Insurance iTI Lite | AardvarkCompare.com

However, where it really stands out is its Cancel for Work cover.
Typically, low-cost plans do not have such coverage, hence our recommendation of it to our customers.

Why is Cancel for Work helpful? Imagine that your employer canceled your vacation. With Cancel for Work cover you can get a 100% refund.

Qatar Airways Travel Insurance – Cancel for Any Reason

Earlier we discussed that we would not spend an extra $1,000 for a Refundable ticket.

Here’s why.

With Cancel for Work cover, we are in good shape in case of work-related cancellation. But what if we simply change our minds and decide that we do not wish to fly anymore? How then can we get some form of refund? That is where Cancel for Any Reason coverage comes in.

This super-powerful benefit that does exactly what it says. A traveler needs to have no reason at all to cancel and still receive a significant refund. The policies that we have that provide such cover rebate at 75%.

The use of Cancel for Any Reason insurance to lower ticket prices has been described as Airline Ticket Hack. Refundable benefits, yet with Non-Refundable Ticket Costs.

Qatar Airways Travel Insurance Cancel for Any Reason | AardvarkCompare.com
The TII Worldwide Trip Protector Plus at $187 offers great value.
The iTI Travel LX is a little less expensive at $157, and has much higher Medical Cover. A clear winner.

Qatar Airways Travel Insurance – One Site – Many Carriers

We love Amazon and are fans of Expedia. Comparison-shopping is simple. 
Sites like AardvarkCompare do exactly the same for Travel Insurance. 
Would you like to visit each travel insurance carrier directly? Of course not. 
Take the Amazon-like travel insurance experience at Aardvark.

So when buying trip insurance, which should you choose?
That’s the beauty of insurance comparison – you get to see all the best prices in the market.

Qatar Airways Travel Insurance – Does Aardvark charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed as a result of anti-discriminatory insurance law in the US. 
Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website? This is really powerful consumer protection.

A travel insurance marketplace like AardvarkCompare will offer a multitude of different plans from some of the most respected Travel Insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip with Qatar Airways.

Qatar Airways Travel Insurance Doha | AardvarkCompare.com

Safe Travels.