Adult Education

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Can I Buy Travel Insurance After Departure?

Ideally, if you’re going on a trip, you should purchase travel insurance right before you leave. However, it is perfectly understandable that for some people, this might not be that case. There are many travelers who ask whether they can purchase travel insurance after departure. This might happen when your travel insurance has run out because you have overstayed in a certain place, your policy has expired, or you just forgot to take out travel insurance.If you’re already abroad and you decide to buy insurance, you can still get coverage. Look for a reputable insurance company that offers an Already Traveling Policy. The good news is that some insurance companies are already offering this to travelers.There are certain conditions for getting this type of travel insurance. Leading travel insurers provide this type of coverage subject to certain conditions. If you are under 65 years of age, you should not exceed 18 months outside of your country of residence. If you’re between 66 to 74 years of age, you should not exceed 6 months outside of your country of residence. You can also get this type of insurance when no claims or any occurrence leading to a claim has previously happened. Here’s an example of the latter scenario: If you lost your laptop yesterday, you are not allowed to take out this type of insurance and make a claim for it.What coverage will you actually get when you get an Already Traveling policy?

24/7 emergency medical assistance

If you fall ill or get injured, you can get emergency medical assistance 24/7, 365 days a year. Just call the emergency hotline provided in your policy. This also covers medical expenses and emergency medical transportation.

Coverage for adventure activities

There is standard coverage for adventure activities specified in the policy. Make sure that you read what types of activities are covered and that you understand the terms and conditions.

Valuables

You can get this extension option to your Already Traveling policy. You can get protection for your belongings while you travel including your bags, technology gear, jewelry items, and important travel documents.Obviously, pre-trip cancellation is not covered in this type of insurance. This is because you have already left your home country. We feel that we need to stress this because some travelers still ask this question even though the insurance is especially meant for people who are already traveling.Buying travel insurance after departure is possible. You can still get the coverage that you need as a traveler. This is a convenient way to get travel insurance while you’re already traveling. You need to remember, though that if you purchase a policy while traveling, waiting periods and certain conditions do apply. Many travel insurance companies have 36-hours before full coverage can apply after the policy has been purchased. However, some policies provide coverage straightaway. Check the policy and make sure that you know when coverage is applied.

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  • Managing Former Peers (A Cheat Sheet for Busy Managers)

    Managing former peers is probably your most immediate challenge if you’ve just been promoted. Below we suggest five key steps to managing peers.”Congratulations… you’ve got that promotion you wanted so badly. Now go fire your best friend.”5 Steps to Managing Former Peers
    Decide if you actually want the job of managing peers
    Reach out to all stakeholders
    Establish one on ones with your new direct reports
    Strike the balance between over and under managing peers
    Be a professional
    Decide if You Actually Want the Job of Managing Former PeersJust because you are offered a promotion, doesn’t mean you necessarily have to take it. You need to think through whether you want the added burden of managing peers. Some things to keep in mind:
    Your peer relationships will change whether you want them to or not. Don’t be naïve enough to think they won’t.
    You can’t control others’ attitudes and/ behavior. Even if you are ready to make the new relationship work, that doesn’t mean others will be as willing.
    If your personal relationships at work are really important to you, you may want to decline your new role of managing peers.
    Reach Out to StakeholdersFor anyone in a new position of leadership, it is crucial to reach out to important stakeholders. It is especially important when managing former peers. You should speak with your new direct reports, your boss, and other people you interface with often. Here are some thoughts as to what to ask them:
    What would you focus on if you were me?
    What can be done better?
    What would you suggest is the top priority?
    Be systematic and thorough – even when it becomes onerous and time consumingEstablish One on One Meetings With New Direct ReportsWhen managing peers, it is important to establish structured and regular one on one meetings with these people. Well-executed one on one meetings will ultimately save you time, and make managing peers easier. These meetings provide an opportunity to:
    Set expectations
    Reinforce and reward desired behaviors and performance
    Communicate and clarify roles and goals
    Update status on action plans.
    Best of all, regular one on one meetings significantly reduce the number of “drive-bys” or drop-in meetings when managing peers.Strike the Balance When Managing Former PeersDo not come on too strong and micromanage your new situation. BUT… you are no longer “one of the girls”, either. If you experience any significant challenge to your authority, you need to deal with it directly and quickly. Also make sure you delegate appropriate when managing peers. If you hoard all the work yourself, you will ultimately fail.Be ProfessionalProfessionalism is paramount when managing peers. In order to do so effectively, you need to detach yourself from your personality, and rather view yourself as the new manager of the group or department. Here are some guidelines for maintaining professionalism when managing peers.
    Stay focused on facts
    Maintain confidences
    Tow the company line. You are management’s representative in your work group. You undermine your own credibility, and are not doing your job if you don’t properly represent management views.
    You need to refrain from company gossip and going out for cocktails with you direct reports should be done with extreme caution.
    Don’t play favorites
    3 Things to Remember About Managing Former Peers:
    Figure out if you really do want the opportunity. Most often you do have the opportunity to say “no”.
    Your friendships will change. It won’t be the same once you are the boss.
    Communicate several times. Everyone in a new leadership role should look to over-communicate by a factor of ten.