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World Nomads Travel Insurance

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World Nomads Travel Insurance

Travel Insurance

Travel insurance for independent travelers and intrepid families. You'd rather not think about all of the things that might go wrong on your trip, but these things can and do happen. 
World Nomads travel insurance has been designed by travelers for travelers, to cover your trip essentials. Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don't just keep you and your family protected, with us, you'll travel smarter and safer.



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http://www.travelinsurancereview.net/coverages/adventure-sports/

This coverage addresses the needs of adventure travelers. It is typically in the form of an exclusion waiver because (except in a few instances) travel insurance plans always exclude coverage for adventurous activities and hazardous sports.
Contents (click to jump down)
What does Adventure Activities cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Summary

Let us tell you a story

Mike and Sylvia had long planned a Hawaii honeymoon and were looking forward hang gliding off the Makepu’u cliffs on Ohahu. Experienced hang gliders, they had each completed well over 50 jumps in a number of locations around the world.
On their third day of flying, Mike experienced some trouble with his glider and had to descend quickly. His forced descent meant he was far short of their intended landing zone and he landed in a bushy field instead of the cleared landing area. During landing, his foot caught in one of the higher bushes and he crashed to the ground. Sylvia witnessed the accident and drove with the other local hang gliders to where they had seen Mike fall. On the way, they called an ambulance and guided the paramedics to the location. Mike was unconscious when they arrived, but the paramedics cut him loose from the glider and transported him to the hospital. His leg was broken in two places and he had a concussion and some serious cuts, but he would survive. Once in the emergency room, Sylvia called their travel insurance company to let them know about Mike’s accident. She was re-assured after the representative confirmed they had purchased coverage that included adventurous sports and the insurance company would arrange for an advance payment to the hospital. Sylvia took a deep breath and focused on Mike’s treatment.

What does Adventure Activities cover?

All travel insurance plans specifically list adventurous (some call them ‘hazardous’) activities as specifically excluded from coverage, which makes it difficult for hang gliders, skiers, mountain climbers, bungee jumpers, SCUBA divers and others to find adequate travel insurance coverage for their trips. There are plans that cover these types of travelers, however.
In some plans, SCUBA divers who are PADI or NAUI certified are covered in the base plan without the need for an optional rider. For example, all of the Seven Corners’ Liaison plans allow for SCUBA diving activities in the base plan as long as the diver is appropriately certified.
In most cases, all other adventure activities are covered with an optional rider, which adds to the cost of the plan.
Those participating in adventurous activities are primarily interested in the following coverages:
  • Medical and dental expenses
  • Evacuation and repatriation expenses
  • AD&D benefits
Some travel insurance plans provide a benefit amount for unused nonrefundable payments made separately from the vacation and related to sports activities, including ski lift tickets, green fees, equipment rentals and lessons, if you have to cancel or interrupt your trip for a covered reason. Specifically, Travel Insured International provides $1,000 for these nonrefundable costs with all their package plans:
  • Worldwide Trip Protector Gold
  • Worldwide Trip Protector
  • Trip Protector
  • Trip Protector Lite

Important notes about this coverage

  • In all plans, participants in SCUBA diving activities need to be PADI or NAUI certified and diving with a certified instructor for coverage to be in effect
  • If the activity a traveler is participating in is not listed in the policy as covered, it’s not covered
  • No travel insurance plan will cover you while flying or learning to fly an aircraft – even with the hazardous sports or adventure activities option
  • Some plans limit the adventure coverage to just a few activities
  • When this coverage is an optional rider, it must be purchased with your travel insurance plan (it cannot be added later)
  • All other plan restrictions, such as the requirement to be outside your home country and others, must be followed
  • Even if your medical and evacuation expenses are covered, you cannot guarantee coverage for your sporting equipment with this coverage (see Sports Equipment coverage)

What type of policy covers this?

This type of coverage is available in some package plans (typically with an optional add-on). This coverage is also available with some medical plans.

How much coverage does each company provide?

PLANCOMPANYMEDICAL LIMITMEDEVAC LIMITAD&D (24-HOUR)
NoneAllianz
NoneCSA
TravMed International * ***FrontierMEDEX$1,000,000up to medical limit$25,000
NoneGlobal Alert
Diplomat America * **Global Underwriters$50,000 – $500,000$300,000$25,000
Diplomat International * **Global Underwriters$50,000 – $1,000,000$300,000$25,000
Diplomat LT * **Global Underwriters$500,000 or $1,000,000$300,000$0
NoneHTH Worldwide
Patriot Adventure *IMG$50,000up to medical limit$0
NoneM.H. Ross
Liaison Continent * ** ***Seven Corners$50,000 – $1,000,000$300,000$50,000
Liaison International * ** ***Seven Corners$50,000 – $1,000,000$300,000$25,000
Liaison Majestic * ** ***Seven Corners$60,000 – $1,000,000$300,000$25,000
Liaison Worldwide * ** ***Seven Corners$50,000 – $500,000$300,000$25,000
Adventure TravelTravel Guard$25,000$500,000$10,000
Sportsman's TravelTravel Guard$25,000$500,000$10,000
Tee, Tour, and TravelTravel Guard$25,000$500,000$10,000
Visit USA HealthCare ** ***Travel Insurance$50,000 or $100,000$75,000 or $100,000$50,000 or $100,000
Voyager Annual ** ***Travel Insurance$5,000 – $500,000$25,000 – $500,000$25,000 – $500,000
WorldMed ** ***Travel Insurance$100,000 – $1,000,000$100,000 or $500,000$25,000 or $50,000
Worldwide Trip Protector Gold * **Travel Insured$50,000$1,000,000$25,000
Worldwide Trip Protector * **Travel Insured$50,000$500,000$10,000
Trip Protector Lite Expanded * **Travel Insured$15,000 *$100,000Available **
Trip Protector Lite * **Travel Insured$10,000 *$100,000Available **
Travel Select **Travelex$75,000$500,000$25,000
NoneTravelSafe
* requires a deductible
** with optional rider
*** limited to certain activities

Summary

  • Adventure sports – also called hazardous sports – are nearly always excluded from travel insurance plans
  • Travel insurance coverage can be denied if a traveler participates in these sports without the adventure coverage
  • Not all travel insurance plans provide options for adventure travelers and those that do typically offer the coverage as an optional rider
  • Some activities such as learning to fly an aircraft are never covered by a travel insurance plan
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My first Marathi Movie

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My first Marathi Movie

Thanks to my wife,who coaxed me to .........I watched my first #Marathi #Movie in a theatre. And I hit the jackpot! what a simple story,told so well. #Chumbak A truly magnetic masterpiece. It's that feeling,when the door to a wealth of artistic treats,opens up.The innocence of the characters ,the simple screenplay..the way the movie ends is also so unassuming and practical.You will walk away smiling from this movie.

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How to stay safe in Mumbai Rains

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How to stay safe in Mumbai Rains

                             

          
Hope for the best ,but prepare for the worst.


                                        First 

It is normal to feel a mix of emotions in emergency situations and these emotions should pass with time.People who use the support of family, friends,Mumbaikars are generally found to recover well from stressful situations such as these. 


Checklist of Must do things


Secure the place where you are.

Immediately head for higher ground and stay put until help arrives.

If you see fast moving floodwaters, “turn around, don’t drown.” That means avoiding all moving water, even if it seems to be very shallow. Just six inches of fast moving water can trip you up and knock you over.You could hit your head, break a bone, or worse, get swept away into much deeper, faster-moving water


If you have no choice but to walk through water, go where the water is shallow and isn’t moving, then use a sturdy stick to check the depth as you walk, as well the firmness of the ground underneath. Mud and other slick surfaces can also easily topple you over. If you have children with you, carry them and keep them out of the water at all times if possible. As you make your way to higher ground, avoid touching or getting near any electrical equipment since you’re probably wet or standing in water.

 It also helps to know what spots are most likely to flood in your area


As you move through the water, float backwards on your back so you can push away from any large debris flowing down the water toward you, and always go over obstacles, never under. Once you’ve got a good grip on something, keep your feet pointed downstream, then yell loudly for help and wave an arm if possible. Johnson says it’s hard for rescue teams to spot people trapped in the water, so anything you can do to make yourself more noticeable is a big help. Don’t give up—keep yelling and waving until you’re rescued



  • Listen to your local radio station for updates;
  • Check that your neighbours have heard any warnings; and
  • Prepare yourself and your property.
  • Move garbage containers, chemicals and poisons beyond the reach of the water;
  • Secure objects that might float away and cause damage;
  • Move stock and equipment to high ground;
  • Stack your furniture and other possessions beyond the reach of the water. Place electrical goods on top; and
  • Check your car and keep it full of fuel
  • In a vehicle


Driving can also be incredibly dangerous during a flash flood. suggest that as little as six inches of water can cause loss of control and possibly stall your vehicle, a foot of water can actually float many vehicles, and two feet of rushing water is enough to carry SUVs and pickup trucks away. Not to mention, it can take as little as a quarter-inch of water to cause hydroplaning if you’re driving fast enough. Slow down and keep your eyes peeled.

Do not ever attempt a water crossing with your vehicle. It will not go well. Besides, you can’t accurately tell how deep water is from inside your vehicle, and you could be driving right into a sinkhole. Turn around and find another route. 


If there is no other option at all Follow the tracks of the vehicles in front of you closely.

Atleast that path has been proven to be safe.


How to get out of a flooded car



If the water comes at your vehicle suddenly and you have no time to get away, you need to get out as quickly as possible. If you’re stuck and the water is rising, unbuckle your seatbelt, roll down your windows, break them with a specialized tool, or kick them out to allow water to flow freely into the vehicle. If you don’t, you won’t be able to open your doors because nearly 2,000 pounds of pressure will be pushing against it. Once water comes in and the pressure equalizes on both sides—which will take less than a minute—you’ll be able to open the car doors or swim out of the window opening. Abandon your car and move to higher ground following the on-foot rules explained above.


If your car is out of fuel/ stranded or 8454999999 or tweet us for free towing till the nearest fuel pump or garage



Secure your Water,Food and Medication.



Drinking water

If a ‘boil water’ alert has been issued in your area, observe it strictly to prevent illness. Water for consumption should be brought to a rolling boil and then be allowed to cool and refrigerated in a clean container with a lid. Under no circumstances should water that has not been boiled be consumed until the alert is lifted. Alternatively bottled water may be used.
  • Cooled boiled or bottled water should be used for:
  • Drinking
  • Cooking
  • Washing raw foods (such as seafood or salads)
  • Making ice
  • Cleaning teeth
  • Pet's drinking water
Dishes should be washed in hot soapy water or in a dishwasher. Children should take bottled or cooled boiled water to school.

If you are outside


Stay in touch

Secure your communication.


Phone should be fully charged and Waterproofed.Suggets carrying a powerbank and have the required currency on your phone.

Follow  Mumbai Police or these hashtags #MumbaiRains #Rainhosts  on Twitter for the latest.


Helpline Numbers in Mumbai
Central Railway Control Room: 022-22620173
Western Railway Control Room: 022-23094064
BMC helpline: 1916
WhatsApp Number for traffic updates: 8454999999


Airport Police Helpline
28225709
All India Animal Welfare Association
2223094077
Animal rescue/Walfare
Ambulance Andheri (W) 6255264/3599, 6243675
6255264/3599, 6243675
Ambulance Borivli
9819116599, 9820552493
Ambulance Dadar 4229531, 4229556
4229531, 4229556
Ambulance services
1298
Ambulance Thane
5331552
BMC Disaster Management Cell
22694725
BMC Helpline
1916
BSPCA
2224137518, 24135285, 24135285, 24135434
Animal rescue/Walfare
Central Railway control room
2222620173
Children's helpline
1098
Fire emergency number
101
Fire emergency number (Mumbai)
3085991
Fire emergency number (Thane)
5331600
Fire emergency number (Vashi)
7660101
For accidents on Mumbai-Pune Expressway
9822498224
IDA India
919320056581, 02232681418
Animal rescue/Walfare
Karuna
919819100100
Animal rescue/Walfare
Missing Persons Bureau
22621547
Municial ambulance 3077324
3077324
PAWS
919820161114
Animal rescue/Walfare
Police Control Room Helpline
22620111, 22151855
Police Hotline
100
Railway Emergency
23004000
Senior citizens' helpline
613811111
Traffic Control Room Helpline
24937747, 24937755
Traffic Helpline
25181717
Wester Railway control room
2223094064
Whatsapp for traffic updates
8454999999
Women's helplines
22828862, 26140403


In a building


And if floodwaters have reached your building, do not use your home’s power.


If risking going outside.Travel only in emergency and only to a safer place





Taking care of others 

If you are able to communicate to them ,ask them to follow the above guidelines.
if not able to communicate ,you can contact Mumbai police or tweet using #mumbairains hashtag mention the last known location,wait for an update.

Help others after,ensuring your safety first.No point adding one more person to the "to be rescued list"


If you have to evacuate

Pack the most important things you need to carry with you.
Food and water,medication,waterproof clothes
Important documents in a waterproof pack.Absolutely essential valuables.

Keep children away from dirty water. Keep children and pets away from hazardous sites and floodwater as it’s likely to be dirty, carry bacteria, and vulnerable to electric shock.

Keep children clean. Wash children's hands frequently (always before meals) and ensure they bathe after being exposed to flood waters or flood-damaged areas.

=====================================================================

Flood precautions for pregnant women



Our home was flooded during severe weather. What should we do with food and medicines that got wet?


How to clean your home after a flood






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