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How Accidental Death Travel Insurance Plans Work

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3 months ago

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Vacations are always exciting. The chance to get out of town, see some new things and explore new places is an opportunity many dreams of. However, traveling is always risky, especially if you intend to undertake activities such as hiking or bungee jumping. Travel insurance can help protect you if things go awry, with coverage such as emergency medical insurance, trip cancellation insurance and accidental death insurance. But do you need travel life insurance — and how does it work? Let’s take a look.

What is travel insurance?

There are many different kinds of travel insurance available to customers, and the type you’ll need will depend on travel style, destination and how long you’ll be away. Generally speaking, here are some of the more common types of travel insurance:

Does travel insurance cover death?

You’ll find a few different varieties of coverage within the broader accidental death travel insurance umbrella. Generally speaking, the way that accidental death travel insurance works is that you’ll purchase a policy covering the period that you’re away. Then, if a covered accident occurs, you or your designated beneficiary will receive the payout from your insurance company. Despite its name, accidental death travel insurance can cover more than just death. Here are some different types of injuries that your insurance policy may cover:

  • Loss of speech and/or hearing.

  • Loss of thumb and index finger on the same hand.

The amount you’ll be paid will be determined by the policy you’ve purchased and the extent of your injuries. Depending on your policy, your spouse and unmarried children may also be covered against accidental death. You’ll also want to be aware that different accidental death travel insurance policies can cover you at different times. Accidental death flight insurance, as you’d suspect, will provide coverage for you while you’re flying.

Meanwhile, 24-hour accidental death insurance will protect you anytime during your trip. You don’t need to be traveling for your policy to be enacted, though there are certain limitations to this. For example, don’t expect to be covered while you’re in the middle of skydiving. Finally, common carrier accidental death insurance insures you while traveling on any ticketed public transportation. This can be flights, buses, ferries or even trains.

How to get accidental death travel insurance

Just like there are multiple types of travel insurance, there are various ways to acquire accidental death travel insurance.

Buy a policy

Probably the most common option is to purchase a policy for life insurance from an insurance company. Whether you’re looking for accidental death insurance or trip cancellation insurance, you can find policies to cover various issues from providers. Before you buy a plan, be sure to gather as many quotes as possible. Different levels of coverage will affect the cost of your policy, as will your age, travel dates, destination and residency. Websites like Squaremouth can help you find the best policy to suit your needs. For example, Squaremouth compares coverages and costs from a wide variety of providers on a single screen as an aggregator. Expect insurance coverage amounts ranging from $10,000 to $1 million.

Use your credit card

  • Trip cancellation insurance.

  • Emergency medical insurance.

  • Accidental death insurance.

The type of insurance you’ll receive will vary greatly depending on which card you hold, so you’ll want to read your guide to benefits carefully if this is something you’ll be relying on. The Chase Sapphire Reserve®, for example, provides you two types of accidental death insurance. You’ll be covered throughout your trip with 24-hour coverage if you charge your travel bookings to the card. The coverage limits and payouts will differ, however, based on when the incident occurs.

🤓Nerdy Tip

Chase’s 24-hour travel accident insurance only covers you for the first 30 days you’re out of the country.

The process for making a claim on your insurance will vary based on your provider. For example, you may need to contact a benefits administrator or create a file online. Usually, you’ll have a specific period during which you must report the incident, file the claim and complete your documentation. Documents that you can expect to turn in with your claim include the following:

  • Your completed claim form.

  • A copy of your travel itinerary.

  • A police report confirming the accident.

Have a plan for submitting the required documentation ahead of your trip.

Accidental death travel insurance recapped

Travel insurance, as a whole, can be a good option for you if you’re worried about accidents while you’re away from home. Along with emergency medical and trip cancellation insurance, accidental death insurance can provide you and your family coverage when things go wrong. Before buying a policy, however, be sure to check if your credit card already provides complimentary travel life insurance. Doing so can save you money while ensuring you’re always protected.

How to maximize your rewards



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Safety Advisory for Indian Nationals in Dublin: Key Tips for Travelers and Precautionary Measures: Know More

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5 hours ago

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August 4, 2025

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Home » India Travel News » Safety Advisory for Indian Nationals in Dublin: Key Tips for Travelers and Precautionary Measures: Know More

Monday, August 4, 2025

As Dublin remains highly popular among Indian citizens, particularly students, professionals, and tourists, it is important to pay attention to travel safety measures. The recent targeting of Indian nationals has caused India’s Embassy in Ireland to issue an advisory warning on 1st of August, 2025, to take extra safety measures while travelling.

The issued advisory in the embassy was done so after a notable increase in subsequent attacks against Indian students and people working in the Dublin area. The number of International Indian students living in Ireland is over 90000 people, which consists of 25000 students, so the safety of the travelling people is highly important.

What’s Happening in Dublin: Recent Safety Concerns

The Indian Embassy in Dublin has issued a warning advising citizens to be especially careful when travelling to Dublin. The alerts have been issued for the Indian population living in Ireland, mostly due to incident s like the one involving Dr. Santosh Yadav, a Dubline based scientist, who was assaulted, and the assault on Indian nationals living and working for Amazon in the country.

The Indian population living in Ireland must be very cautious especially in low populated areas. Above all be very conscious of your surroundings. Although Dublin is one of the most friendly and welcoming cities in the world, one must be very thoughtful in the way, manner, and time while moving around the city.

Guidance for Indian Nationals and Tourists Traveling to Dublin

For the purpose of this blog, we aim to help Indian nationals visiting Dublin, whether for work, study, or leisure, stay safe while traveling. We have compiled a list of practical tips to ensure every traveler’s safety in Dublin.

1. Stay in Well-Populated Areas

When planning your trips or sightseeing around the city, it’s best to remain within the busy and well-lit areas, especially during the evenings. Refrain from solo walking in quiet areas, especially during non-peak hours. In the case that you require movement around the city during late hours, make use of reputable and trusted transport services such as taxi and rideshare companies.

2. Keep Emergency Numbers Handy

Having important emergency contact numbers is essential while travelling. The Indian embassy in Dublin has provided a helpline number for any urgent assistance, which is 0899423734. Keep this number saved in your phone for easy access in case you need help.

If anyone encounters any distressing situations, you can reach out to local law enforcement or the embassy helpline. However, if you are traveling in a group, it is best to inform someone of your location. This is especially important if you are heading out in the late hours.

3. Travel in Groups When Possible

Being around other people enhances safety, especially in new locations. If you are in Dublin for tourism, ensure you are with friends or other travelers, particularly when navigating the city after nightfall. Not only does this lower your chances of running into trouble, but it enhances your ability to get help if something goes wrong.

4. Be Mindful of Your Surroundings

Always stay in tune with your surroundings and your environment. When in public spaces, especially in quieter areas, refrain from looking at your phone or putting on headphones. If things don’t seem right, trust your instinct and take the best course of action, which would be to move toward safer places.

5. Keep Your Embassy Informed

Embassies and consulates keep locals informed when there are safety updates, which is handy for any travelers. For Indian citizens, not missing out on safety updates from the Indian Embassy in Dublin is, in fact, an actively beneficial choice. The embassy keeps an eye on the situation and will keep the people informed.

6. Stay Updated on Local Advisories

Maintaining awareness of pertinent social issues, safety notifications, and travel warnings is often crucial. For example, the safety issues concerning Dublin, which are being updated by the Indian Embassy, are continuously being brought to the notice of the Indian community. Following the Indian Embassy in Dublin on social media, visiting their webpage, and subscribing to their newsletters are ways of obtaining pertinent information.

What to Do If You’re Affected by an Incident

Although safety precautions can reduce the risk of encountering problems, it’s important to know what to do if you find yourself in an unfortunate situation. Here’s a quick guide to help you handle emergencies:

  • If you are involved in an incident: First, make sure you are safe. Seek help from local authorities or call emergency services immediately. If necessary, head to the nearest police station or a busy area for safety.
  • Contact the embassy: If the situation involves a serious threat or injury, contact the Indian Embassy as soon as possible. They will guide you on the next steps and offer necessary support, whether medical, legal, or consular.
  • Notify your contacts: If you’re in a group or traveling alone, let someone know your whereabouts and the situation. It’s always a good idea to keep your family or friends updated in case they need to assist in emergency situations.

Conclusion: Staying Safe While Enjoying Dublin

People around the world continue to visit and work in Dublin for its rich culture and thriving economy. Like in any other country, Dublin, recently, has made some headlines which has raised many eyebrows. However, following the necessary precautions laid out by the legal affiliations can greatly lower the chances of any bad experiences.

As a student, employee, or traveler, Dublin can be extremely enjoyable. Similarly, one simple mistake can land people in big trouble. Staying in touch with their country’s legal affiliations, like the embassies, keeping aid contact numbers, can prove to make the trip, for work or tourism, enjoyable without any hiccups.



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Travel insurer flags surge in Bali rabies claims as govt issues treatment warning

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7 hours ago

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August 4, 2025

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According to Zoom Travel Insurance, dog bites remain the leading cause of incidents, especially in ‘red zone’ tourist areas like South Kuta and Mengwi District. 

Consequently, Bali authorities have ramped up stray dog vaccinations in these areas. However, risks remain for unprepared visitors.

Zoom Marketing Manager Natasha Sullivan says travellers often underestimate the severity of bites and scratches, even minor ones. 

A dog at a temple in Bali.

“Our team has noticed an increase in Bali claims tied to dog bites and the need for rabies treatment,” she remarked. 

“While actual cases of rabies are rare, any stray or wild animal bite requires immediate treatment, given the potentially fatal consequences of an untreated infection. 

“Even if the injury is very small, any sort of skin penetration should be considered a rabies risk and must be treated.” 

What to do

Specifically, Sullivan says that if you haven’t been vaccinated for rabies and an animal bites you, “you will need a shot within seven days of being bitten.”

“You will then require a follow-up dose on day 3, 7, 14, and 28 after exposure, with the full treatment costing anywhere between $3,000 and $10,000, depending on where you are in the world,” she added.

Complicating matters, rabies treatment can sometimes be costly or more difficult to access in certain countries, especially in rural areas.

“Rabies treatment can be very hard to obtain at some destinations, and in some instances, you may have to fly or travel elsewhere to secure the vaccine,” Sullivan said. 

They may be cute, but it’s important to keep a respectful distance to dogs in many countries.

The Department of Foreign Affairs says rabies treatment in Indonesia, including Bali, may be limited. 

“The rabies vaccine is not available everywhere in Indonesia, and rabies immunoglobulin is generally not available at all to treat rabies if you contract it,” it states on its Smartraveller website. 

“If you’re bitten, you may need to return to Australia or travel to another country for immediate treatment.”

Beyond dog bites, Zoom’s warning extends to monkey forests and wildlife parks. Citing a 2023 NSW Health report, it flags that 145 Australians were hospitalised due to animal bites abroad, many from monkeys in Southeast Asia. 

And while there are no confirmed rabies cases from monkeys at Bali’s regulated sites, Sullivan says other infections, like the herpes B virus or tetanus, are a genuine concern.

What DFAT says

According to DFAT, “Rabies is present and is a risk throughout Indonesia, including at tourist destinations”.

“Rabies is 100% fatal. It is mainly transmitted by dogs, cats and monkeys, but can be transmitted by sea and land mammals,” it adds.

To lower the risk of rabies, DFAT urges Aussies to get vaccinated prior to travel, avoid direct contact with animals, and not feed or touch any animals.

If you’ve been bitten or scratched by an animal, it recommends to immediately wash the wound thoroughly for 15 minutes using soap and water and seek urgent medical attention.

Insurance imperative

Rabies is usually fatal after symptoms appear.

Sullivan also stresses the importance of comprehensive travel insurance to avoid costly scenarios.

“Should treatment not be available locally, travel insurance can assist in paying to get you to quickly to the best available medical centre,” she remarked. 

“Should this mean flying to another country, travel insurance would typically cover emergency evacuation and associated medical costs, ensuring you receive timely and appropriate care.”

“Having immediate access to assistance can make a significant difference in navigating and resolving unexpected situations. Always check your travel insurance policies, ensuring they provide sufficient support and adequate coverage for potential wildlife encounters and emergencies.” 

In other Bali news, leaders in the island’s Badung Regency – which includes hotspots like Kuta, Legian, and Canggu – recently announced they are taking a page from Queensland’s playbook, with plans to give its most popular beach areas a distinctly Aussie-style revamp. Read more about that here.





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Greece Crucial Safety Tips for UK Tourists Navigating the Escalating Wildfire Threat This Summer : You Need to Know

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21 hours ago

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August 3, 2025

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Home » Greece » Greece Travel News » Greece Crucial Safety Tips for UK Tourists Navigating the Escalating Wildfire Threat This Summer : You Need to Know

Sunday, August 3, 2025

Greece is heading towards another summer fire season which will put its inhabitants and holidaymakers – particularly from the UK – to serious risk. Hotter temperatures contribute to dry conditions and make the country a top destination for wildfires, which can escape control and enter travel areas with little notice. With UK tourists planning or wanting to plan their visit, it is important that the safety measures and how to deal with these risks are kept in mind. This guide is filled with resources on what to do before visiting, how to stay safe during your vacation from registering for emergency alerts to recognizing wildfire-prone areas and making sure your summer trip provides only good memories.

Greece is a renowned vacation spot for travelers, especially from the UK, but the country faces significant natural disaster risks, making it essential for visitors to stay informed and prepared. Earthquakes, floods, and wildfires are common in Greece, and these events have caused widespread damage to communities and disrupted travel plans in recent years. With the summer months being particularly dangerous, travelers need to heed advice and take precautions to stay safe.

Understanding Greece’s Natural Disaster Risks

Greece’s geographic location, nestled in the Mediterranean, makes it prone to natural hazards. Earthquakes occur frequently in the region, as it lies on several seismic fault lines. Furthermore, Greece’s dry, hot summers create ideal conditions for wildfires, which can spread rapidly and are often difficult to predict. Floods can also occur, though they are typically associated with the winter months. Given the variety of these potential hazards, the country poses unique risks for visitors, especially from April to October.

Wildfires: A Major Concern for Tourists

Among the various natural disasters, wildfires are a particular concern for tourists traveling during the summer. The dry conditions, combined with high temperatures, make many parts of Greece highly susceptible to fires, which can escalate quickly. The UK Foreign Office has consistently highlighted the increased likelihood of wildfires during the summer months, particularly from April through October. These wildfires can quickly become uncontrollable, leaving both locals and tourists at risk.

Recent years have seen several large fires that ravaged popular tourist destinations, including areas in Crete, the Peloponnese, and Evia. This risk is compounded by the fact that wildfires can spread unpredictably, endangering regions that were once considered safe.

How to Stay Safe: Emergency Alerts and Preparedness

To safeguard against the threat of wildfires, travelers are advised to activate emergency alert systems in their mobile devices. The Greek government offers an Emergency Communication Service that sends out crucial notifications about natural disasters, including wildfires. Travelers should ensure they receive these alerts for real-time updates. Here’s how to activate the emergency alerts on your device:

For iPhone users: Navigate to the Settings app, tap on Notifications, and activate Emergency Alerts.

For Android users: Open Settings, select Notifications, then go to Advanced Settings and toggle on Wireless Emergency Alerts.

For Samsung users: Access Settings, choose Apps, then Messages, and under Notifications, ensure Emergency Notifications are enabled.

By enabling these alerts, travelers will be notified promptly if they are in an area where wildfires or other disasters are threatening.

Regions Most at Risk for Wildfires

While wildfires can affect any region of Greece, some areas are particularly vulnerable due to their geography and vegetation. Areas such as Crete, the Peloponnese, Evia, and parts of western and central Greece are well-known for their high wildfire risk. These regions are home to dense forests and dry terrain that provide the ideal conditions for fires to spread.

Tourists staying in these areas should be extra cautious. If you’re in a wildfire-prone area, it’s crucial to follow all local safety guidelines and stay informed through alerts. If a fire breaks out, evacuation orders can change rapidly, so it’s important to be prepared to act quickly.

What to Do in Case of Wildfire or Other Emergencies

Should you find yourself in a situation where wildfires or other natural disasters pose a threat, the following actions can help ensure your safety:

Adhere to Local Authorities: Always follow the instructions and directives provided by local emergency response teams. These professionals will provide instructions on evacuation routes and other necessary actions to take during a disaster.

Contact Emergency Services: In case of immediate danger, dial 112, the emergency number in Greece, for assistance from police, fire, or medical services.

Reach Out to Your Travel Provider: If you’re stranded or unable to leave the affected area, get in touch with your airline or travel operator. They can assist with rescheduling flights or arranging other travel logistics.

Stay Informed and Alert: Keep monitoring local news and emergency alerts to stay updated on the situation. If evacuation orders are issued, follow them immediately and avoid waiting for conditions to worsen.

As Greece faces an escalating wildfire threat this summer, UK tourists must take crucial safety precautions, including registering for emergency alerts and staying informed about fire-prone areas to ensure a safe trip.

Conclusion: Ensure a Safe Visit to Greece

Greece is consistently one of the best places to go for a holiday, from beautiful scenery and loads of history, to a rich culture. Still, the risk of natural disasters, particularly wildfires, necessitates vigilance and preparedness for visitors to keep safe. Travelers must prepare for alerts to disasters such as wildfires via preparedness and registering to receive emergency alerts, being cautious and following the local safety instructions should action need be taken during daylight hours.

By following these precautions, travelers can have fun and safe stay in Greece while avoiding all the dangers that are related to natural elements of this country. By being proactive and keeping an eye out for potential threats, you can avoid the things that could derail what should otherwise be a memorable experience in Greece.



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