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Posts Tagged ‘travel insurance’

Insurance

December 16, 2009

Travel Insurance – Unusual Mishaps

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Author: Patrick Chongbr
Source: ezinearticles.combr
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Just in case you arent lucky to have one of those helpful friends to recount some of their personal holiday travel insurance stories, weve compiled a list of a few of the more unusual ones.

Bag Overboard!A man was on a three day trip aboard a small pleasure boat in Thailand. As they were on the return journey, everybodys luggage was up on deck ready to disembark. Unexpectedly, the seas became extremely rough and the boat was in danger of capsizing. Some quick thinking by the local Thai captain and crew averted a disaster, but not before the entire boatload of luggage had slid overboard with one final terrifying lean! The gentleman in question had thousands of pounds of video equipment in his bag, as well as an engagement ring he planned to present to his girlfriend on the last night of their holiday. But while his bag went to a watery grave, his story had a happy ending. His travel insurance paid for everything including a new ring, and they lived happily ever after, with a great tale to tell! (Some of his new friends from the trip however, who hadnt purchased holiday insurance, did not fare so well.)

Stop Police!A hapless tourist on the trip of a lifetime to Israel, was minding his own business crossing the road. Out of nowhere a police car moving at over 80 km/hr came careering over the crossing and struck him. Horrified onlookers watched as he was thrown ten feet into the air before landing on a traffic island. Miraculously his injuries were not life threatening, but he was in hospital for weeks. The local Israeli police were extremely quick in assisting with the police report (surprise surprise!), and his travel insurance paid for a private room, all his medical expenses and his travelling expenses back to the US. Two years later, when the man was fully recovered he returned to Jerusalem to continue his tour of the city – by bus!

Hands in the AirTwo young friends were backpacking through South America on a gap year holiday. Before they left, all their uni friends had clubbed together to buy them some cheap travel insurance. The boys had announced publicly that they had thought it was an unnecessary expense – but luckily their mates disagreed. Half way into their three month holiday, the boys were crossing the border from Belize. They got a taxi from the border at Guatemala to take them to their next town. As the taxi crawled along the heavily potholed road, two masked gunmen leapt from the roadside brandishing their weapons and firing shots in the air. They demanded the driver steer the taxi into a ditch, and made off with the boys bags. After a few hours of pushing, the boys and driver managed to extricate the car and drove straight to the police station. Due to the foresight of their friends the boys considerable expense to replace everything was covered by their travel insurance – and they lived to hear the immortal words – We told you so!

Once bitten, twice shy, three times….? This is a combination of several stories, but a classic example that animals really will bite the hand that feeds them! While in rural India, a girl was patting a gorgeous little puppy that suddenly turned on her and bit her finger and wrist. Although it wasnt a bad wound, when four days later it was revealed that the puppy had bitten several other people and then had died – she immediately took herself to the nearest big city hospital for a rabies shot. After several anxious days she was given the all clear, and her travel insurance paid for her travel and medical expenses including antibiotics.

In Thailand a man stopped to pet a local mans pet monkey on a leash. The man handed over the monkey for a cuddle, and as it nestled into the tourists arms it suddenly turned vicious and took a large chunk out of his face! Rabies shots, antibiotics and some minor surgery later, the man returned the UK to lodge a rather large claim on his travel insurance.

On a walk with the lions tour in Zimbabwe, an elderly woman could not help reaching out to stroke the head of a young lion cub – although she had been told not to. The cub reared its head and caught her arm with its teeth. Twelve stitches and an overnight stay in hospital later, the woman was so shaken she cut short her travel plans. Luckily her travel insurance paid for her hospital and flight expenses, and she returned home to continue her safari at the city zoo!

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pPatrick Chong is the Managing Director of Journeys Travel. Their commercial travel insurance website, Insuremore, offers a target=_new href=http://insuremore.co.uk/ rel=nofollowtravel insurance/a for families, couples and singles with a quick and easy online claims feature./pbr
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Finance

December 8, 2009

Few Points In Getting A Cheap Worldwide Travel Insurance… Starting Now!

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Author: Larry Evans -br
Source: articleage.combr
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Traveling with love ones, families, and friends can be so expensive. Another expense that you could do without is travel insurance. Many people says that obtaining a travel insurance is time consuming, but you dont have to waste your precious time to find a Cheap worldwide travel insurance.

Cheap worldwide travel insurance is a good move if ever you have decided to go abroad. This would give you great peace of mind during the trip; unmindful of the unplanned expenses that might occur while on the trip. This would give you enough protection from those unwanted bill that you might not like.

Purchasing a cover from your travel agent is the easiest way to get travel insurance but probably not the best. Some travel companies free cheap cover but its unlikely that the insurance really is free, as the cost is generally built into the price of the holiday.

If you purchase travel insurance when you book your holiday, it means that if you fall ill or have an accident and have to cancel your trip as a result, your travel insurance will cover you. Just remember a few points to find the right travel insurance that fits on your budget.

Level of coverage. Think where are you going and what kind of travel do you want. This will greatly affect your insurance quote. If youre going to rent a car on your travel, this means that the coverage of your travel insurance is much higher. Many people start looking for a travel insurance quote, without really knowing what they need insurance for. If you look in detail at what you expect to be doing on your holiday travel, then you will have a firm idea of what level of cover you need before you start searching for quotes.

Some companies also give a package deal to travelers that travel a lot like planning to go away more than twice a month. This deal can cover all your travel in just on cheap worldwide travel insurance package.

Search an insurance quote. Once you have established the needs in your travel insurance, you should have no problems in finding the right company that can provide it. Just show them what you want and they will give you instant cheap worldwide travel insurance quote. Compare all the quotes you get from different insurance companies to get the cheaper travel insurance that fits your needs.

Remember these points in finding your travel insurance and you should be able to find a good deal in a shot span of time. Preparation is the key to success. However, internet is now very useful to find these services. Here are numerous online travel insurance companies that offer cheap services that suit your needs and budget.

Since these companies are competing with one another, they are offering lowered price so you can be able to find the most appropriate cheap insurance you can get. Its easy, safe and secure to buy your travel insurance online since it offers secure online purchasing longer than most companies have been trading. You are only one click away from saving on your travel insurance. Whether you travel on business or on holiday, click and enter the most popular travel insurance web sites today.br
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Insurance

November 30, 2009

Travel Insurance Can Be a Smart Financial Investment

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Author: Albertina Belmontbr
Source: ezinearticles.combr
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No one ever expects to need travel insurance. Once you have taken the time to plan a dream vacation the last thought is of all of the life situations that could ruin it before it starts. Whether you are traveling alone, with your spouse, entire family, with business partners, or as part of a large church group, investing in travel insurance can guard against unforeseen circumstances.

What Is Travel Insurance?

Travel insurance is like most any other insurance plans. You pay beforehand to protect you in the event of something happening. Vacations can be very expensive. For some, it can take years of saving and planning to be able to take the perfect vacation. If you have already secured a flight, hotel, time off from work, arrangements for childcare and have set all other aspects of your vacation, you can not afford for anything to go wrong.

This kind of insurance can cover a wide variety of travel situations. Some commonly covered mishaps are trip or flight cancellations. If your flight is cancelled, a lot of money could be gone if your hotel does not hold your reservation because you are late. If your flight is not rescheduled do to inclement weather, your vacation can get completely spoilt. While travel insurance may not be able to change any of these situations, you will be financially reimbursed for the problems. Other situations covered by some plans are lost baggage. It can be quite expensive to replace your vacation supplies or wardrobe if the airline loses it. While they usually can get your luggage to you quickly, there is the chance it can be lost for good, making replacement of your things necessary. If your vacation involves special equipment, such as things needed for scuba diving or mountain climbing equipment, the expense might be too much for you to even try to replace while already at your vacation destination. Having travel insurance can help you afford to replace these items.

How To Get Travel Insurance

Getting insurance to stave off disaster is not a complicated process. It also is not that expensive considering all the typical plans will cover. Some cover events or situations you may never have taken into consideration as a possibility during your trip. You can easily inquire about different plans online or through a reputable agent you know. Online, you can get real time confirmation of your policy within minutes. You only need a credit card and some idea of what plan best suits the traveling you will be doing. Everything from basic trip cancellations due to illness to terrorist attacks crippling the travel industry or place you are traveling to can be included in the policies. They also range in coverage time from one day trips to one year living abroad situations. What ever be the type of traveling you may do in future; investing in travel insurance can keep your vacation from becoming a financial disaster.

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pA a target=_new href=http://www.financeenquiry.com/Page-Do-I-Need-Travel-Insurane_60.html rel=nofollowtravel insurance/a policy is one of the essentials for individuals who travel on a frequent basis. It can cover for medical expenses as well as provide for accident insurance. Prior to choosing an insurance plan, you must procure and compare a few a target=_new href=http://www.financeenquiry.com/Page-Travel-Insurance-Quotes_70.html rel=nofollowtravel insurance quotes/a./pbr
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Insurance

November 28, 2009

The Significance of Travel Insurance

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Author: Jackson Alanbr
Source: ezinearticles.combr
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While traveling has become a routine lifestyle for some people, others will need to slog hard just to save enough money for a dream vacation. For such people, buying travel insurance is an extra cost. They would probably wonder what good travel insurance will be for them. After all, it is unlikely that anything drastic will happen. So do I really need to spend the extra money? Maybe the worst thing that can happen is losing my luggage. The chances of anything worse are almost zero percentage. These are the questions that often run in their minds.

Life is unpredictable and anything can go wrong anytime and it can cause you much more than you can ever imagine. So getting a travel insurance policy is the safest and surest way to a peaceful mind. There are many types of travel insurance packages, each specially designed and catered to meet the requirements of the travelers such as, delayed or lost luggage, trip cancellation, medical, dental, emergency evacuation, 24-hour travel assistance, accidental death, etc. Some policies even cover certain options such as damage or collision of rented cars. As a matter of fact, there are many options that can be included into your coverage.

It is vital to read through the fine prints of the policy which you purchased because your policy may not cover certain areas that you assumed it does. Imagine you only find out during that moment of need that the medical coverage is only for an injury and not what you assumed as coverage for both injury and illness. That will be totally frustrating. So it is best to ensure full knowledge of your travel insurance policy. Remember to query on any doubts and ask for suggestions. Do not rely on your own assumptions as you are covered for what is stated in the policy only and nothing else.

The premiums charged will depend on the passenger age as well as medical history of the travelers. Any add-ons or customized policies will generate higher premiums. Usually, children are covered at no extra cost by most insurance companies. Besides buying travel insurance through an insurance company, you can also get from tour operators. Generally, the insurance policies offered by them are quite standard and therefore inflexible to your individual requirements. The premium is cheaper as they provide a lower amount of coverage. There is a possibility that only a portion of your trip is covered and it may duplicate any policies that you already have. And in the event of the tour company going into liquidation, you will lose both your trip and your premium. So it is advisable to use a credit card for payment as you may be protected against any potential default of the operator.

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pShould you prefer to obtain a target=_new href=http://www.columbustravelinsurance.org rel=nofollowTravel Insurance/A from insurance companies instead of tour operators, then remember to always get quotes from several companies for comparison purposes. A good site for such reference is a target=_new href=http://www.columbustravelinsurance.org rel=nofollowhttp://www.columbustravelinsurance.org/A where you will be able to get the best value for your money. Bon voyage…!/pbr
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Insurance

November 27, 2009

Useful Tips on Purchasing Travel Insurance

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Author: Jackson Alanbr
Source: ezinearticles.combr
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It is known that life is unpredictable and full of unexpected happenings. Who knows what is going to happen next year or even tomorrow? That doesnt mean that we should live life negatively and in fear. Instead, we should be encouraged to do whatever we can in order to live a fulfilled life without any regrets. A good example is to be well protected by getting travel insurance whenever we plan a trip so as to avoid unnecessary worries or any guilty feelings of negligence should any drastic things happen.

Very often people are skeptical when it comes to buying travel insurance. They do not see the necessity of it and think that the extra expenses can be used for more important things. It would simply be a waste of money dumping into insurance when the chance of any bad happening is almost zero percentage. But we must remember that it is always better to be safe than sorry. Since life is unpredictable, anything from delayed luggage right up to accidents can happen. So it is best to purchase insurance whenever planning for a business trip or vacation to ease my mind, knowing that you have done whatever you can on your part.

There are several types of travel insurance policies in the market. Some of them are single or group insurance, business insurance, backpacker travel insurance and adventure travel insurance. Apart from that, travel insurance companies also came up with special packages for senior citizens and those with pre-existing medical conditions. They come with affordable premiums designed to meet the different requirements and needs of travelers. Generally, the package will include delay or lost luggage, any cancellation of trips, emergency evacuation, medical and hospital expenses. Accidental deaths or any other add-ons can be arranged with extra charges.

Here are some tips on how to find a suitable travel insurance policy. First of all, you should check on your existing insurance policy before getting a new travel package to avoid having the same coverage. You would rather have other areas of protection than to waste your money paying for something which is already covered. The next step is the selection of the most suitable insurance plan for your trip. This will largely depend on the current situation of your choice of destination, for example is there an epidemic going on or perhaps the political situation is unstable and on. Some other factors will be age and health issue. And finally, know what you are buying or getting into. Read the fine prints and understand the areas of your coverage. Leave nothing to assumptions. Ask if you have doubts or need further clarifications.

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pNow that you know the importance of travel insurance, ensure that you do not leave your home for any trips without purchasing one. It is good to check around for comparisons in order to get the best value for your money. Here is a recommended site a target=_new href=http://www.columbustravelinsurance.org rel=nofollowhttp://www.columbustravelinsurance.org/A that will provide you with a range of comparisons as well as assist you in finding the perfect travel a target=_new href=http://www.columbustravelinsurance.org rel=nofollowTravel Insurance Policy/A./pbr
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Insurance

November 25, 2009

Travel Insurance Provides Peace of Mind

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Author: Jackson Alanbr
Source: ezinearticles.combr
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Unlike the past where traveling was restricted only to the well-off people, it is now feasible for most people to travel to different countries in the world. The main reason is due to the accessibility of cheap flights. Just the thought of traveling to other places, irregardless of trips within the country or abroad, is simply delightful and exciting. Whilst some people prefer scheduled tours as in a tour group, the more adventurous ones would enjoy venturing out on their own.

Whatever is their choice, it is vital to have proper planning as there are many places to travel around and things to do. We also have to be careful in planning our budget unless, of course, if we are very wealthy and spending money is not a problem at all. But for those who are traveling on a budget, there are certain expenses that should not be withheld. While insurance may seem unnecessary, it will come in handy when the need arises so we should seriously consider this issue and not to overlook the risks involved.

The travel quote by John Steinbeck which says, A journey is like a marriage. The certain way to be wrong is to think you control it reminds us that we are at the mercy of unexpected calamities and if we think we are able to control unforeseen happenings, we are merely fooling ourselves. In other words, happenings such as cancelled or delayed flights, lost baggage, injuries and accidents are beyond our control. So how can you assure of a worry-free vacation? How can you have peace of mind? The good news is travel insurance. It protects and provides a wide coverage, thus removing the load of insecurities and unnecessary worries from your holiday.

It is essential to look for insurance companies that are established, reputable and customer oriented. Such companies generally provide swift and efficient services. The key points when deciding on the insurance company are customer satisfaction and value for money. Usually, travel insurance packages come in a wide range and are specially designed to meet the individual needs of travelers, namely single or group insurance, business or adventure travel insurance and backpacker travel insurance. Other than that, there is also travel insurance for senior citizens as well as those having pre-existing medical condition.

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pThe premiums vary according to the coverage and are competitive and affordable. So hesitate no further and get your a target=_new href=http://www.columbustravelinsurance.org rel=nofollowTravel Insurance/A as soon as possible. It is advisable to check around and make comparisons in order to get the best package within your budget. Here is a popular and recommended site a target=_new href=http://www.columbustravelinsurance.org rel=nofollowhttp://www.ColumbusTravelInsurance..org/A should you decide to purchase your travel insurance now or if you have further enquires. And if you are getting a policy now, do ensure sufficient coverage in return for peace of mind./pbr
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Travel & Leisure

November 23, 2009

Backpackers Travel Insurance For Your Adventurous Sport!

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Author: Gyan K
Source: add-articles.com

If you’re traveling to remote areas, you are at a higher risk than others. You may suffer an assault or robbery in an unknown place. In case there is an accident, you may be injured and hence you need a protective cover to cover up all your medical expenses. You might want to try out some sort of adventurous sport, accidents do occur, therefore you must take out an insurance policy to cover up any kind of risks involved.

When you enter the details of your trip and any extra requirements such as hazardous activities, a travel agent may some times provide you with the backpacker’s travel insurance quotes that are most suited to your needs and your budget! It is targeted at travellers who are of the age 35 and below 35 although some will cover up to the age of 65.

While you take up such an insurance you must mention if there are any pre-existing medical conditions. This has to be declared just like any other type of travel insurance. It may be void later if you don’t disclose any information while purchasing this insurance policy. So, take care to provide all the necessary information while filling up the form.

If you are heading off for bungee jumping, ski holiday or any other adventurous sport, for instance, you will definitely want to add the sports coverage in case you are injured on the slopes. As adventurous sports involve a lot of risk, it is better you take up certain precautionary measures such as a traveller’s insurance. If you’re travelling to the northern hemisphere and going from summer to winter or vice versa it is advisable to take a backpacker’s insurance as you are very likely to fall sick. Safeguard yourself and add adventurous sports in your trip with out any hesitation. Some insurance policies cover over 40 adventure sports automatically in all of its policies. And it also includes 17 days winter sports cover at no extra cost to the consumer. Your travel insurance will help you out incase you are injured or fall sick due to the climatic conditions.

Do not forget to mention about your pre-existing medical conditions while getting a traveller’s insurance. This may affect your travel insurance premium too. This doesn’t mean you won’t get travel insurance – it only means you may end up paying a little extra. You must always, cross check with the insurance companies if any such pre-existing medical conditions are covered in the policy or not.

Gyan K, Expert author, platinum status. For more information on: Bangalore Hotels

Get more information on: Amritsar Hotel

Finance

November 16, 2009

Trip Cancellation Insurance – Is It Viable?

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Author: Wade Robins
Source: articledashboard.com

Before taking out a policy, be it life insurance or travel insurance, you need to first weigh matters; whether the purchase would be a wise decision or not. Just because insurance covers the losses just in case something unexpected happens doesn’t mean it’s worth the expense in all cases. This is something you have to consider before purchasing trip cancellation insurance.

This type of insurance covers your losses related to trip cancellation, provided the reason for it is included in the contract – instances such as your falling ill the day before your scheduled departure; the death of a family member; or an accident a few days before your trip. Sometimes there are just some incidents beyond our control which force us to postpone the trip at a later date – that is, you simply can’t push through with your original plans no matter how disappointing it is for you.

You shouldn’t think twice about purchasing trip cancellation insurance especially if your ticket costs a lot – a cruise ticket, for example. For extended vacations, your cruise ticket may be worth well over five thousand dollars, depending on the amenities included and the length of your stay.

If, for instance, you want your trip cancellation insurance to cover you for $10,000, your premium would cost somewhere around $500-$800. This may seem like much, but it would be more practical to get that policy rather than risking losing the total cost of your ticket.

On the other hand, if you’re going away only for the weekend, or if your ticket costs only a few hundred dollars, then of course the trip cancellation insurance won’t be too practical, especially if you feel that you can afford to lose a minimal deposit.

If you have credit cards, you could find out that there are some which automatically provide you with a trip cancellation insurance of up to $150,000. Remember, this coverage is only effective when you buy your tickets with the card company offering this promotion.

Big and costly vacations deserve to be covered with trip cancellation insurance. More often than not, these trips are planned months or even years beforehand and if one gets cancelled, it’s highly likely that a person would go ahead and plan another one just like it – and if it happened to you, wouldn’t you want to at least have some of your deposit or full payment back so you can use it for the next planned trip?

Insurance

November 10, 2009

Don't Risk It, Get the Protection and Security You Need With Travel Insurance

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Author: Meghana Kamdar
Source: ezinearticles.com

Let’s face it, getting travel insurance can be a very overwhelming and tedious process, making it easy to put off and even forget entirely. But before you head off on your international adventure, you might want to consider getting coverage through some travel insurance, just to be on the safe side.

With some luck, you’ll be glad it’s something you have and won’t need to use. But we all know that in life things happen, so it’s a good idea to find a travel insurance policy that fits your individual needs, travel agenda, and budget. Many travel agents and private companies offer travel insurance, and they have a wide variety of types and options to choice from.

What does Travel Insurance cover?

Basic coverage of travel insurance includes some financial losses while traveling, as well as limited medical expenses, including medical evacuation. The most common type of travel insurance is trip cancellation or trip delay insurance. This type of policy covers you and your travel companions in case you need to cancel, interrupt or delay your trip. However, the acceptable reasons for canceling or interrupting your trip will depend on the insurance policy, but most likely you’ll be covered for the following reasons:

Finance

A Guide to Buying and Using Travel Insurance

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Author: John Bartanus
Source: articleage.com

Is Travel Insurance Really Necessary?
Travel is already expensive enough, isn’t it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don’t know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it’s not really needed?
My personal answer is, of course, that I am not independently wealthy and can’t withstand the potential financial losses I would incur if I require medical care while I’m traveling. Not being independently wealthy also means that I’m in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance. If you’re still not sure about that, consider the following.
Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased travel insurance. In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance.
This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.
Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won’t break your budget. You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card. If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of travel insurance. However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the travel insurance coverage you need.
How Much Can You Expect To Pay?
When I bought my first plane ticket to China a few years ago it cost around $2000 round-trip, and my travel insurance cost me over $500 because I didn’t shop around for cheap travel insurance online.
A few years later, a little bit older and wiser, and my travel insurance for another trip to China cost me much less–about $300 for roughly the same coverage. The difference? Before buying my travel insurance for the second trip, I shopped around online and got the coverage I needed, at the right price. If I’d have purchased my travel insurance for this latest trip from my travel agent, it would’ve cost me about $600 for the trip, and my plane tickets only cost $1,500! Not exactly the smart way to go.
So how much will it cost you? Not as much money as it will cost you if you get sick or injured abroad and you don’t have any travel insurance coverage! That’s the obvious answer to the question.
In fact, how much travel insurance costs will depend on your age and the type of coverage you choose. Basic policies cost as little as $5.50 USD per $1000 of coverage. On the other hand, you can expect a full coverage policy to cost you from 7 to 10% of the cost of your trip, depending on your age. The older you are, the more you will pay. No matter what the cost of the policy, however, it’s sure to be much less than the cost of medical evacuation!
The good news is that you can easily, conveniently and quickly research and locate excellent but cheap online travel insurance and reduce the costs while making an informed purchase. This is much better than taking what you are offered at the travel agency because you can choose from hundreds of travel insurance companies and polices and save yourself a lot of money in the process. One place you can start your search is at Travel Insurance Central, http://www.travel-insurance-central.com
What You Should Consider When Buying Travel Insurance
To assist you in your research, here are some suggestions to help you make an informed purchase.
1. Consider the worst-case scenario. If you can financially withstand the worst-case scenario then maybe you don’t need travel insurance or maybe you don’t need a comprehensive policy.
2. Make sure the policy you are considering provides adequate medical/dental coverage, including medical evacuation coverage just in case you need medical care in a place where the best treatment available is below the standards you are accustomed to in your country. This can happen if you fall ill in a developing country or even on a cruise ship.
3. Check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.
4. If you are a frequent traveler, you should consider annual or year-round travel insurance policies. Sometimes they are called multi-trip travel insurance policies. Whatever the name, these policies can be relatively cheap when compared to single-trip travel insurance policies.
5. Know what you are buying, so read the fine print. Make sure that you understand what the company considers to be a legitimate reason for cancellation or interruption. If the list is too restrictive, maybe you should consider another policy.
6. Don’t restrict yourself to buying only from your travel agent. He/She will probably only have one company’s product(s) available, and it’s there for your convenience, but that convenience can be quite costly!
7. Ask lots of questions about the coverage. Play the “what if” game. Ask for clear explanations of terminology. Make sure that you and the travel insurance company are speaking the same language.
8. Don’t buy the insurance through your transportation provider. If the airline goes bankrupt, how adequate will your insurance coverage be?
Once You’ve Bought Your Travel Insurance
Remember that your travel insurance policy covers you between certain specific dates, so don’t start your trip early or extend your trip without first changing the dates of coverage on your travel insurance policy. Of course, this might cost you extra, but that’s cheaper than finding yourself without coverage when you need it the most.
Also, it almost goes without saying that you should bring your travel insurance policy with you when you go abroad. You can’t consult the policy if it’s sitting on your desk at home. You should also carry your travel insurance company’s toll-free assistance phone number and other contact information with you wherever you go. It does you no good if you get ill or hurt and the necessary policy information is sitting in your hotel room. It’s also a good idea to bring your regular medical coverage cards and info with you.
I hope these tips will help you by the best travel insurance for you. Then take your trip with the peace of mind that comes from knowing that you are insured by the right travel insurance policy at the right price. Bon voyage!
John Bartanus is a writer, educator, and the publisher of informational websites like Travel Insurance Central (http://www.travel-insurance-central.com) and Best Tea 4U (http://www.best-tea-4u.com).