Overseas holidays are the most wonderful and memorable parts of your life and you do not want to think about the mishaps during your holiday but it is a fact that when you are at holidays you don't know what will happen to you in the coming time. If you are robbed or have any accident, your holiday will get spoiled and the money you have is going to be served in your medical treatments. Thus, you need to have your travel insurance as it makes affordable, your medical treatment expenses, in the case of any accident or serious injury. Travel insurance is the most important part of any overseas holiday whether it insures a young person or an elderly one. If you are thinking that it is useless then you probably won't know that it offers a number of facilities to its costumers.

Australian consulates, every year, deal with the deaths of 900 people and accidents of 1200 overseas travelers who are hospitalized. In south east part of Asia, hospitals cost about $1000 and the travelers who have no Travel insurance are supposed to bear the burden of this huge amount. However, for a traveler who is insured, his expense is the responsibility of the government of the host nation. It's always best to be safe than sorry. Instead of carrying the possibility that you may need to pay a large amount of money on your overseas trip, you must be insured before going to travel. By doing so, you will feel relax mentally to an extent!

Things being robbed at airports or in the streets of unfamiliar cities is not a big issue as you have Travel insurance and you do not need to worry about your losing money as this money is provided by the insurance company to safe your holiday from being ruined and this safes you from any kind of big financial problem. Flight cancellation is one of the most annoying parts when you come to know that your flight has been cancelled and now you have to seek for another flight accommodation. In such a situation, insurance helps you to give money for another accommodation.

When you go overseas for holidays, the threat of natural disaster like storms, hurricanes etc. can also trouble you and you will be praying that you should not be a victim of such natural disasters! Being in the safe side, you should do Travel insurance before going for such risks. Personal circumstances are a hurdle between your holiday and you. You do not know when you are going to bear the death of your loved ones and if it happens in the period of your holiday trip, you may think that you have spent all of your money and now you have nothing in your pocket but traveling insurance companies have also solved these problems and you can recover some amount of money with the help of such insurance! One cannot emphasize the importance that travel insurance brings with it!

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In many corporate companies, the employees would be under great work pressure and would like to rejuvenate. Quite often these people would like to spend their free time on a holiday by travelling to foreign countries. They can explore the rich and sophisticated life while spending some time abroad. A person can improve his knowledge about different people, places, cultures... Overall travelling is an important factor which helps a person build global learning and knowledge. While on a trip there are situations like an unforeseen medical emergency that people might come across which might ruin their exciting journey.

While on a trip along with a traveller's passport, other possessions and luggage, an important and right kind of overseas travel medical insurance is also essential. Travelling abroad without overseas travel health insurance could land a person in a financial disaster. Most people think they are covered if they already have existing domestic health insurance, but this is not true. Overseas travel insurance is very much required and covers while the travellers is outside the home country. Also if the travellers are in a foreign country, some hospitals might admit them without caring about coverage but later they will not discharge them until the travelers pay a huge sum of money for the treatment.

There are many insurance companies, each of them providing different insurance plans. The travel and medical needs while abroad varies from one traveler to another. Based on these needs, a traveler can choose among the different plans provided by different companies. TATA AIG is one of the most popular insurance companies which provide overseas travel insurance for people travelling abroad. The plans designed by this company available with effective medical coverage and reasonable premium cost.

TATA AIG insurance company has designed different travel insurance plans which can satisfy the different needs or requirements of the traveller. The travellers who are going abroad can choose from Asia Guard insurance, Travel Guard insurance and Annual Multi Trip insurance plans. Asia Guard insurance can be selected by travellers who are visiting the Asian countries. Annual Multi Trip is suitable for travellers travelling overseas multiple times during a year. TATA AIG overseas travel insurance plans provides benefits like Coverage of Accident & Sickness Medical Expenses, checked baggage loss, baggage delay, loss of passport, personal liability, hijacking, trip delay, personal accident, etc. The maximum coverage benefit is up to $50,000 (Silver plan), $2,00,000 (Gold plan)or $5,00,000(Platinum plan).

Tata AIG travel insurance can be bought online at nriol.com. The different benefits and coverage provided by Tata AIG travel insurance can be easily understood and analyzed. The policy can be bought online using a credit/debit card or using cheque facility. This online purchase is simple and quick and no paper work is needed.

You can make your holiday can exciting experience by purchasing TATA AIG Overseas Travel Insurance.

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If you use common over-the-counter painkillers or medicines, or your health depends on regular doses of prescription medicine, this matter should be at the top of your 'to do' list when planning a holiday or trip - along with purchasing adequate travel insurance and checking passport and visa requirements.

These days security at airports around the world is so strict that you could even have problems taking over-the-counter (OTC) medicines to another country - let alone your needed prescription medicines. Ask your doctor to provide written confirmation to carry with you to explain why you need to take the medicines. You will need this document to take your medicine or medical equipment through airport security and customs. Diabetics carrying syringes should be especially careful to have their documentation in order.

Some OTC allergy and sinus medicines, cough syrups, products like Vicks inhalers, and painkillers containing codeine could cause problems at airport security. Common OTC painkillers containing codeine include: Panadol Ultra, Nurofen and Paracodol Plus. In some countries airport officials will not be amused if they find these in your luggage - and claiming ignorance is no excuse! Countries with strict rules regarding medicines include Cuba, Japan, Uzbekistan and the United Arab Emirates. In the UAE many drugs commonly used at home are considered controlled substances and you must obtain prior permission from the Ministry of Health before taking them into the country. The rules often differ for visitors and residents.

If you are travelling with prescription medicines it is important to declare them on the Customs Declaration form - and even more so if you are carrying a large supply that may exceed a country's legal limit. Failing to do so could lead to detention and even criminal proceedings.

Always pack your medicines, both prescription and OTC, in your hand luggage. Give them the same level of importance as your passport, travel documents, travel money, and travel insurance policy. Your medicines must be kept in the original packaging or bottle, with the original label attached (leave the pretty pillbox at home).

Although pharmacies in other countries should be able to replace any lost medicines, it could be an enormous problem unless you are prepared for such an event. For example, the medicine may be called something different, not available, or banned, and unless you speak the language you could be in for a very difficult time.

Talk to your pharmacist or doctor well before your departure and ask them to write down the names that your prescribed and OTC medicines are known by in the countries you plan to visit. They should also write down the dosage and the name and contact information of the prescribing doctor. This will be useful if your supply of medicine is lost or stolen.

If you have medical problems or conditions always see your doctor well in advance to obtain a thumbs up that you are fit to travel. You may need to have vaccinations or a tetanus booster. Some courses of treatment take weeks to complete and may cause side effects.

When purchasing travel insurance it is very important to declare all pre-existing medical conditions. Depending on the condition (or combination of conditions) the premium for your travel insurance may increase. However, do not be tempted to neglect to declare any conditions as failing to do so could invalidate the insurance for any related claims. This would be false economy and could result in a lot of unnecessary expense.

Your doctor should be able to prescribe enough of your medication to last for up to three months. If your travel plans are for longer than this, or open-ended, you should check well in advance that your doctor is willing to provide ample supplies. If you have any doubts about carrying your medicines to another country check with your doctor or pharmacist, or visit the website of the embassy of the country you plan to visit, or contact them for advice. If you need special medical equipment, such as oxygen, you will also need to contact your airline for permission.

European Health Insurance Card holders should carry the card when visiting a member country, but this should never be used as a substitute for comprehensive travel insurance. The EHIC provides free emergency medical treatment in state-run facilities (not private hospitals). However, be aware that you may have to pay for prescription medicines upfront and apply for reimbursement when you return home. It is important to allow extra money for medical emergencies in your holiday budget. Remember that the EHIC and your travel insurance only cover emergency medical treatment while travelling, not travelling abroad specifically for the purpose of obtaining medical treatment.

If you are going on a cruise be aware that medical care is not normally free on cruise ships. It is important to have adequate medical travel insurance. Take adequate supplies of your medicines as obtaining them once onboard could prove problematic and expensive. If you have to pay upfront for medical services or medicines on excursions along the way, check your travel insurance policy regarding applying for a refund.

We recommend that British citizens check with the Foreign and Commonwealth Office website for the latest government travel advice as part of their excellent Know Before You Go campaign. Their advice includes information on taking prescription medicines to other countries.

No matter where in the world you travel it is important to remember that medical treatment is not normally free, unless there is some type of reciprocal agreement - and then it may only provide for emergency treatment. Your embassy will not pick up these costs and without adequate comprehensive travel insurance you could be left seriously out-of-pocket. Why take a chance and risk ruining your holiday!

Jean Andrews is a freelance writer living in the UK. She regularly contributes articles for Travel Insurance Agencies Ltd who offer great deals on UK Travel Insurance and Travel Insurance for residents of Eire.

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