Featured, Health & Fitness, Insurance, Justice, Lifestyle, News

Coronavirus COVID-19 Global Cases

Unites State: A top U.S. health official says regional lockdowns are possible and warns the most vulnerable against travel as a 19th person dies in Washington State.

Italy: Italy reported a huge jump in deaths from the coronavirus on Sunday, a surge of more than 50 percent from the day before .

“We are facing an emergency, a national emergency,” Prime Minister Giuseppe Conte said in announcing the government decree to restricting movement for about a quarter of the Italian population in regions that serve as the country’s economic engine.

Tunisia: The Tunisian Health Ministry said on Wednesday that 996 people are in medical home quarantine over suspicion of being infected with the novel coronavirus. On Monday, the Tunisian Health Ministry said a citizen, who returned from Italy, tested positive for the virus.

Keep up to date with the latest news on CORVID-19 virus. If you plan to travel, follow the interactive map with the countries most affected by the virus: Coronavirus CORVID-19 interactive map

Health & Fitness, Insurance, Lifestyle, Medical Insurance, News, Travel, Travel insurance

Travel Alerts: A Global Public Health Emergency

World Health Organization’s declaration that the coronavirus is now an official international emergency

Am I covered for COVID-19?

Coronavirus is declared a global public health emergency – 30 January 2020
Coronavirus first emerged in the Chinese city of Wuhan in December 2019, and has spread across China and now dozens of cases have been confirmed in several countries in the Asia-Pacific region as well as countries in Europe, North America and the Middle East.
On 30 January 2020, the Emergency Committee convened by the WHO Director-General agreed that the coronavirus outbreak “now meets the criteria for a Public Health Emergency of International Concern (PHEIC)”. A PHEIC has only been declared six times since it was introduced in 2005 following the outbreak of SARS.

What is a PHEIC?

The term PHEIC is defined as “an extraordinary event” which is determined by these two regulations:

  • To constitute a public health risk to other States through the international spread of disease; and
  • To potentially require a coordinated international response.

What should I do if I’m traveling overseas soon?

If you are traveling overseas soon, stay up to date with local news and media, and always follow the advice of local authorities or your government.

Be aware of which countries cases of coronavirus are rapidly spreading. Wash your hands consistently, maintain at least 3ft (1m) distance between yourself and anyone who is coughing or sneezing, and if you have a fever, cough and difficulty breathing, seek medical care early (call before visiting your doctor).

The symptoms of coronavirus are similar to other respiratory diseases, including the flu and the common cold.

If you have traveled to Wuhan recently

If you have traveled to Wuhan or suspect you have been in contact with someone who is infected with coronavirus and are experiencing the following symptoms: feeling tired, having difficulty breathing, have a high temperature, cough and/or sore throat, call your doctor to rule out the possibility of coronavirus.

Article written by Amelia Brady, World Nomads Contributor – worldnomads.com

Guests, News, Travel insurance

Travel Insurance

We advise you not to go on a trip without first Insure your trip.
All policies include cruise cover and repatriation back to your home country as standard. Prices start, from £15, so if you are currently living in the UK or another European Union country, you can buy a policy. To get a quote, first compare travel insurance policies and choose the most appropriate for you.

Ensure your trip with the most famous insurance provider : Globelink Travel Insurance

   Ensure your trip

Merry Christmas !

Insurance, News, Travel, Travel insurance

Unusual Facts About Travel Insurance Uncovered by Industry Leaders

What Travel Insurance Is – and What it Is Not

Make your trip itinerary foolproof with the addition of travel insurance to it. You can also buy travel insurance from travel insurance businesses. Before you get travel insurance, you will need to have done some initial planning for your journey. Unlike auto insurance, as it isn’t mandatory to obtain travel insurance, many folks think of that as an unnecessary expense. Locating an amazing travel insurance policy program and buying travel insurance doesn’t need to be difficult.

The Ultimate Travel Insurance Trick

Travelling is an important and normal event in everybody’s life whether it’s for leisure or employment. It is simply unavoidable in the current business scenario. Choose among the very best travel plans provided by topmost insurance companies nationwide, you can create your travel hassle-free and more secure. In general, you have to look at what you’re throwing in during your travel and choose whether you want the strategy.

Top Choices of Travel Insurance

The first approach to prevent any unnecessary stress as you’re traveling is to buy a great travel insurance plan. It can be difficult to understand where to begin when looking for a travel insurance policy policy. An extensive travel insurance plan provides many benefits like medical expenses and loss or baggage.

A yearly travel insurance plan is the ideal selection for people that travel more than once in a year. It is one of the best ways to avoid any risk while traveling. The most suitable travel insurance plan provides you with peace of mind no matter wherever your travels take you. It is also feasible to buy a single trip travel insurance policy. however, it’s only beneficial for folks who travel annually.

Many important insurance providers are accessible by phone 24 hours per day handy in case you have problems in Europe. In addition, there are items even the very best travel insurance policy company won’t cover. The absolute worst travel insurance organizations aren’t travel insurance companies in any way.

Step by Step Roadmap for Travel Insurance

Evacuation insurance covers the price of getting you to a location where it is possible to get appropriate medical treatment in the case of an emergency. It can also provide protection in the event your luggage is lost or stolen. You may frequently purchase supplemental insurance to acquire a greater measure of scope. Vehicle Rental Insurance is given to travelers while driving on IU company in the usa and many different nations around the world.

What’s Really Going on with Travel Insurance

Many diverse individuals loosely understand travel insurance to mean quite a few different things. It is vital to purchase travel insurance for your journey. Travel insurance is essential for travelers who want a solution to safeguard themselves from unexpected conditions that could impact their travel plans, trip investment and health when traveling.

For instance there might be cancellations of a travel plan because of some illness, in such instances a travel insurance reimburses for the crucial hospitalization and various other expenses incurred. It can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance. Domestic travel insurance is intended for customers that are travelling within the nation.

The least expensive travel insurance will be visible at the peak of the page we’ll always attempt to show best value.

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Insurance, News

Protect Your Home Against Natural Disasters

What It Really Costs to Protect Your Home Against Natural Disasters
The insurance industry has very precise parameters for what defines a natural disaster, and how much they cost. According to the Insurance Information Institute, the term “catastrophe” in the property insurance industry means a single or series of incidents caused by natural or man-made disasters that are unusually severe.

The insurance industry says a catastrophe has occurred when claims are expected to reach a certain financial limit, and more than a specified number of policyholders and insurance companies are affected. Although the insurance industry’s definition of catastrophe applies to all disasters, not all disasters cost the same amount of money; and depending on the disaster, it might be covered by standard insurance policies.

How much you’ll pay for insurance varies depending on your location and the age of your home. That can feel like a big expense, but knowing you’ll be reimbursed if something happens to your most valuable investment can be priceless. Plus, your mortgage company may require that you keep a certain level of homeowners insurance.
The first step is knowing what type of coverage you need. Standard home insurance typically includes four parts:

Dwelling coverage: This covers damage to the house itself.
You should have enough insurance to cover the cost of rebuilding your home, from the foundation up, in case of a fire or other disaster that make it impossible to salvage. That may be more coverage than you think.Sometimes it’s cheaper to just get a policy that covers you for a dollar number that covers your mortgage, but you want to be sure that you can replace what you have if something happens.

Other structures: This part of the policy covers external structures on your property, such as fences, detached garages and sheds. Loss-of-use coverage: This is typically a smaller amount of coverage that you’d be able to access to pay for alternative accommodations if you were unable to live in your home while it’s being rebuilt or repaired after an event like a natural disaster or a fire.

The standard homeowners policy has loss-of-use coverage worth 20% to 30% of the home value, you may need more if rentals are very expensive in your area, or less if you have access to other shelter in the case of an emergency, such as a second home or nearby relatives who would take you in.

Personal property coverage: This would cover lost or damaged things inside your home. You can use an app such to document your things and estimate their cost. Follow these additional steps to make sure you’re getting the best policy for a reasonable price:

Insurance Home House Live Car Protection Protect Concepts

While your mortgage lender can require that you get home insurance (and may recommend a preferred insurers) they can’t force you to use a specific insurer, and you should shop around for a policy. Be sure to get quotes from at least three insurers.
Gathering quotes is easy via online portals, like InsuranceQuotes.com for US and Confused.com for UK .

You may also have access to discounted rates via your employer, credit union, or other association. Look for a company with a strong rating from agencies. Insurance commissioner may also have a “complaint index,” which can give you a sense of whether the agency gets a lot of complaints relative to its size.

Before you start looking at ways to cut your insurance costs, it’s important to understand what your current policy covers. Even though insurers have tried to make their contracts easier to digest, those thick renewal documents can still be confusing. Start with the declarations page, which is essentially the summary of your coverage. Then take a look at the exclusions page to see what your policy specifically doesn’t cover. You can’t just blindly trust that your insurer has sold you the right policy.

Type of natural disasters

Insurers offer a variety of discounts to homeowners for everything from paying your annual premium in full up front to keeping your policy for more than three years. The biggest discount — more than 35% — goes to new construction owners, but you may be able to shave off more than 19% by bundling your home and auto policies with the same insurer. Make sure you’re getting all the discounts for which you qualify.

There are a lot of different discounts out there offered by different insurance companies.If you’ve upgraded your roof or windows in the past year, installed smoke d etectors and fire extinguishers, or made energy-efficient upgrades, you may be entitled to additional money off.

When choosing your premium amount, consider the cost of repairs or other issues that would prompt you to file a claim. Avoiding small claims can also help keep your premiums from increasing.

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Insurance, News

How to Buy Flood Insurance Coverage

In US Hurricane season brings more wind, rain and catastrophic loss to people and phone calls, emails and claims to home insurance companies. The majority of those calls and claims are due to flooding – not damage caused by rain, wind or fallen objects. And the response from your local agent may surprise you. Unfortunately, flood insurance is typically not covered in most homeowners insurance policies.

If you’re a homeowner and you carry a homeowner’s insurance policy on your house, you may think you’re completely covered. However, you could be leaving yourself open to some major out-of-pocket repair costs if your house sustains water damage. More than 20 percent of flood claims originate from outside of a flood zone, which means that virtually no home is safe from potential flooding, even if you live well outside of a floodplain.

Is Flood insurance included in Homeowners Insurance?

Floods are the most common natural disaster, and therefore the most costly type of natural disaster, especially in the U.S. The only way to completely cover yourself, and your home, is by purchasing flood insurance. Without it, you’ll be paying out of pocket for any and all repairs to your home if it floods.

All it takes is a few inches of water to do some devastating damage to your home. And, while there may be a handful of homeowners policies that include flood insurance, it’s more than likely you won’t be covered under your normal policy.

But it’s not just homeowners who may need a flood insurance policy. Renters typically aren’t covered for flood damage under a standard rental policy, and while you likely won’t be the one ponying up for the cost of new floors and drywall (if the flood wasn’t your fault), you do need a contents-only flood policy to make sure your furniture and other items are covered. It will help pay for the cost to repair or replace your items in case of flood damage.

Wondering how to buy flood insurance? It isn’t like buying homeowners insurance. You can only purchase flood insurance through an insurance agent . If you already have an insurance agent, start with them, but be aware that not all agents offer it, and it can be tricky to find in areas that are prone to flooding.

Which insurance carriers offer flood insurance?

Not all agents or companies offer flood insurance.

What you need to know before you buy flood insurance

Before you make that call to your insurance agent, though, you need to know what to ask to make sure you’re completely covered.

  • What flood zone do I live in? What is my property’s flood risk?
  • Is there a flood map change coming that could affect what I pay? Many communities are built on a flood zone, and you may not even be aware that your house is situated on one. It’s important to know what the risk is for flooding to your home–a number of factors can affect it–and changes are frequently made to the flood map, which could raise the cost of your policy.
  • What will and won’t be covered? As with any insurance policy, there are things that will or won’t be covered, and it’s important to know what the policy covers before you buy flood insurance. Does it cover the contents of your home or just damage to the property? What types of floods are covered?

What does a typical flood insurance policy cover?

In general, flood insurance policies only cover damage from natural flood disasters, not from an overflowing toilet or broken pipe. So in order for your flood policy to cover damage, it has to be from a naturally occurring incident.

There are a couple of types of flood insurance, and what kind you have will dictate what’s covered. The first is building property coverage, which covers:

  • The structure of your house
  • The electrical and plumbing systems
  • Central AC, furnaces, vacuum systems, etc
  • Refrigerators and built in appliances
  • Permanently installed carpeting
  • Window blinds
  • Detached garages

If you want the items inside your house to be covered under your flood policy, you’ll have to purchase what is called “personal property coverage,” which covers most personal belongings, separately. This type of policy covers:

  • Clothing, furniture and electronic equipment
  • Curtains
  • Portable air conditioners, window units
  • Carpets not included in building coverage
  • Washers and dryers
  • Food freezers and the food in them
  • Valuables like artwork and fur

Rental-specific coverage

Businesses and homeowners aren’t the only ones who need flood insurance; renters should look at what options are available, too.
The cost of the policy will depend on where you live and how much of a flood risk there is to the property you’re renting. If you’re located in a low- to moderate-risk area, you may qualify for a Preferred Risk Policy, and it won’t cost much at all.

*Muvison may earn an Affiliate Commission if you purchase something through recommended links in this site. Thank you for your support.

Auto Insurance, Insurance companies
Auto Insurance, Insurance

Recent Auto Insurance trends to look out for

Whether with comprehensive insurance or cheap car insurance, the latest competitive innovations are compelling for insurance companies to immerse themselves in these developments. It could be with your financial planning process or an investment, find an angle to have these compatible with what is new in the market to your advantage.

Auto Insurance, Competitive Innovations
Find a reliable car insurance company. Photo by Waldermar Brandt from Unsplash

Consumers technological usage trends

Insurance companies should move with the latest consumer trends in terms of technology usage. More than 70% of consumers use cellphones for almost everything, from banking, running errands to online meetings. Cheap car insurance covers are becoming more tech-savvy to help customers reach them easily, either to be able to lay a query or chat to a consultant online. This way, customer trends are being incorporated into the communication strategies of businesses with consumers.

Comprehensive Insurance, Financial Planning
Consumer technological usage trends. Photo by Alex Nemo Hanse

Cashback is the keyword in insurance marketing

Insurance companies know how to entice consumers to sign up for insurance as it means you will get something out from the money paying and have not claimed. Cashback is king in car insurance and has a good sound to it. There are insurance covers which offer a certain percentage in premium if you have been claim-free for a number of years. There are ones which offer the cash-back in one year of claim-free.

Great rewards for good behavior

Other great benefits to look out for are multi-car, being a good new driver standard discounts to maintaining a good credit record with the insurance company.
Another highlight is that a good auto insurance company must offer you an automatic withdrawal because no one should be held hostage by an insurance deal. The type of car you own such as an economy car, determines the type of cover you qualify for and discounts. The equipment in the car i.e anti-theft, airbags, anti-brakes to daytime running lights.

Cheap Car Insurance,Investment
The purpose of the car determines the insurance you own. Photo by Scott Umstattd from Unsplash

The Internet of Things in car insurance

Ever heard of the Internet of Things (IoT)? A lot of newly made cars come with built-in safety technology and self-driving options. Some of the in-built technologies include added devices which help insurers to collect information about the driving habits of drivers. An example of that type of IoT technology is the Cellcontrol which restricts the use of technology in the care while driving. In the near future, IoT innovation will produce vehicles that are able to communicate with each other to avoid road incidents and deaths. The IoT in car technology is estimated to be a trillion-dollar industry by 2030.

TRAVEL INSURANCE, COVERAGE PLANS
Insurance, Travel insurance

Travel insurance coverage plan reimbursements

Trip cancellation, trip interruption, and emergency medical coverage benefits are due to you as they have travel costs implications.

Why should you be concerned about travel insurance? Well, it is for the same reason you have to cover your house in case of a fire or a flood.

Travel insurance has several benefits that will help you recover your lost items, or recover costs of flight tickets. Reimbursement for your vacation accommodation costs should be part of your insurance coverage plan.

trip cancellation, benefit
Trip interruption vs Trip cancellation. Photo by Elizabeth French from unSplash

Trip Cancellation

Normally you may have to cancel a trip due to illness, your travel companion being ill or a family member being ill right before you take the trip. Others may involve the death of the host at your destination. Terrorism at your destination location, severe dangerous weather, or disruptions at your vacation residence form part of the benefits on the coverage plan. Others include loss of a passport due to theft as you cannot travel without one or an assault causing you or your travel companion to no longer be able to travel.

trip interruption, reimbursements
Will you be reimbursed for booking an earlier return flight ticket? Image by JC Gellidon from unSplash

Trip Interruption

Unlike trip cancellation, trip interruption takes effect once the traveler has begun their trip. The interruption occurs once you are on the trip and an example could be a burglary in your house which compels you to return home immediately. The travel insurance plan also reimburses you for a return flight ticket you have to book for an unplanned earlier return flight. This coverage is not automatically part of the initial trip cancellation coverage. There are various plans which reimburse you for the travel costs ranging between 100 and 150 percent.

Emergency Medical Coverage

There are two types which are the Primary and Secondary insurance coverage. With primary coverage, the claim will be paid first whether there are other insurance coverages the traveler has. The secondary coverage pays the claims from the traveler after they have completed filing with their primary insurance provider. Important to note that normally travelers are required to pay for the emergencies immediately from their own pockets ad the insurer will pay at a later stage. There are very rare cases where the insurer pays the claim immediately.

Other benefits covered by travel insurance which include and are not limited to, are accidental death, medical evacuation, hurricane and bad weather, and loss of personal items.

medical insurance, medical emergency
Insurance, Medical Insurance

Transparency of medical insurance: are you aware of the finer details?

When faced with a medical emergency, your health insurance or general insurance should respond immediately. Best insurance companies are determined by effective response to your medical claims in the hour of desperation. Medical schemes should be upfront with clients about the requirements for medical benefits and while others are, clients may ignore the finer details at the onset of signing an insurance contract.

Private Medical insurance coverage on chronic illnesses

There are factors such as medical benefits, you have to consider when you take medical insurance. Coverage of chronic illnesses may not be applicable in some private hospitals on your medical insurance while you have been paying for it for a lifetime. Before you sign a contract, understand the terms and conditions as some coverage may not serve you later in old age, ensure that this is not done in vain as the premiums increase yearly.

general insurance, medical claims
Before you put your signature on the dotted lines, understand the contents. Photo by Adeolu from unSplash

The format and platform for filing medical claims

We are in the 21st century where 95 percent of any business administration whether in general insurance or medical insurance, should be online or at least have an online alternative. Best insurance companies should be ahead with innovation and already aware that people are more mobile than ever due to technology and modernization. If you happen to travel and are faced with a medical emergency, you should be able to contact and file claims online without any restrictions.

Besides traveling, older and unfit individuals may not have the luxury to move around as they wish to, this should be something to consider before signing for medical insurance. There are new verification and authentication systems being invented daily such as electronic signatures, online finger scan applications and voice recognition features, surely distance should not be stumbling in filing for your claims.

health insurance, medical benefits
When in an emergency you need an effective response to your medical claims. Image by Jair Lazaro from unSplash

National borders restrictions to medical insurance

The world is a global village so your medical health insurance should adapt to it. You may decide later in life to relocate to a new country, you sure do not need to cancel your medical scheme and start a new one. It is less complex to continue with the current on. Well, that is entirely up to the individual’s needs. There are several international insurance companies that you may consider when you know that your future is not in one country.

medical insurance, best insurance companies, backpackers
Insurance, Medical Insurance, Travel insurance

Best global travel insurance deals for Backpackers

Best insurance companies, travel insurance, insurance policy, medical insurance, life insurance, should be synonymous with travel plans of a backpacker. There is quite a number of best insurance companies to consider as a world traveler. As much as there are positive reviews for companies out there, there are negative reviews, therefore ensure that you choose the one that is suitable for your own needs. Globe trotters spend enormous amount of time travelling the world, away from their homes, that is if they even have homes!

travel insurance, global travel
Your insurance should cover all the travel activities you will undertake. image by Frank from UnSplash


What to look for in your policy as a globe trotter and which travel insurance you should consider.


Read your insurance policy

It is pointless to constantly depend on reviews which may or may not be reliable. Some users may have taken the wrong policy or had not done their research on the type of coverage that suits their needs. When they discover the insurance is not suitable to their travel needs, they leave negative reviews instead. World Nomads and IMG are amongst one of the best insurance companies for backpackers but their policies are not exactly the same. IMG is suitable for family trips or low-key travels while Nomads is most suitable for single travelers but this will not mean that IMG should not be considered by individuals.


Align your insurance coverage to your travel plans

If you are an active traveler and part of the activities are more adventurous ones such as gliding, paragliding, or bungee jumping, ensure that these are covered in your policy. World Nomads is suitable for more adventurous sports, they have a list of activities they cover. IMG only covers you for simple activities unless you have to upgrade your policy or pay extra. Make sure that all the activities you are going to embark on will be covered, including life insurance.


Will you be covered in the country you are traveling to?

Different countries have different sanctions for travel insurance policies, select the one that suits your global travel plans and the places you are traveling to as a backpacker. World Nomads operates in more than 150 countries around the world. IMG is suitable for exploring the U.S and some European countries, while it is not clear on other regions and countries.

life insurance, insurance policy
Can you do claims online in between on your travel adventures? Photo by Helloquence from UnSplash


Can you file your claims online?

This is a golden question especially for backpackers. You need an insurance that will allow you to file your documents online while on your travel adventures, not to wait until you get back home. Choose an insurance which is tech savvy. World Nomads and IMG have these options.


There are many other factors to consider in selecting the right travel insurance for your specific travel needs. Remember that travel insurance is focused more on unforeseen circumstances, choose the one that will help you get home safe too! Medical insurance while on these trips should be a bigger part of the plan.