You finally have saved enough to go on that dream vacation you're planning. Now you're wondering if you should buy travel insurance. Do you really need to go to the extra cost? All I can lose is my luggage, right?
Guess again! Anything can go wrong while you are traveling, and I strongly support the purchase of the policy.
Most travel insurance policies are designed for a variety of travel needs, but I pointed out to advise reading the fine print of any policy of purchase regarding any deductibles and health situations. You can find many policies will not cover pre-existing conditions that can cause a problem, or to medical coverage only for injury or illness - not both. For emergency assistance, travel insurance policies are generally reliable and affordable, but there are still numerous gaps in service coverage.
you can find a policy designed for virtually any type of trip you are planning May, as a way for hunting, backpacking, cruises, house rentals, and many others. However, certain types and amounts of coverage you get depends on the policy you choose. It is important to remember that you'll be covered for what it is specifically stated in the policy and nothing else.
Most policies cover trip cancellation, lost baggage, medical, dental and accidental death coverage. Other rules are emergency evacuation, 24 hour travel assistance and travel and baggage delay. You May even find policies that include options for collision or damage to rented cars and business conflicts. There are many options that can be covered, but you have to ask.
for the policy premiums are generally 5% to 7% is paid and the fee will vary depending on your medical history and passengers ages. Many companies offer policies that will include coverage for children at no extra charge.
It is best not to buy travel insurance from tour operators. I've listed several reasons why this might be a better buy than the insurance company individually.
Most travel insurance policies offered by the operator less flexible to your individual needs;
Provide a lower amount of coverage,
can only cover part of the journey,
coverage can be high and insurance will only pay for what in their own health, or homeowner's insurance does not cover,
can not duplicate coverage you already have,
In the case of travel liquidates and goes belly up, you would lose not only his journey but also your premium.
Many travel agencies are not fully knowledgeable when it comes to understanding the details of various travel insurance policies and may overlook something that might be important for you or your family and few offer suggestions. Buying travel insurance can be cheaper to purchase through a tour operator or cruise line, but for the reasons stated above, you should really check around.
If you decide to buy your policy from the tour operator, be sure to use a credit card. Depending on the policy of the credit card issuer, you may obtain protection from potential default operator.
When you buy your policy from an insurance company:
Always get quotes from several companies
Ask if the plan is packaged, or if you can custom design your own
Can I waive the existing condition exclusion
Ask if you are covered for cancellation due to terrorist incidents. Do not count on the company to provide information
Ask any questions you sleep and
Do not ask for suggestions
good site for reference for multiple travel insurance quotes is. (I linked to this site in any way. I just like the place!) Enjoy your next trip and I hope that the odds are with you and you never have to apply for travel insurance policy.
(c) 2004 Karen Zastudil