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What every traveler needs to know about Travel Insurance

BY: Deena David | Category: Travel | Post Date: 2009-09-21

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   Deena David
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Insurance as all of us know is something that protects a person from untoward incidents. These incidents that can cause injuries or even death can occur more if a person is traveling. This is the main reason for the increased awareness of travel insurance. Another reason for the increased awareness of travel insurance is because of the increased number of tourists.

These days, there are more number of people who try to travel to distant lands for their vacation. In the years gone by, people were even thinking twice to travel to another country for their education or for an employment. These days people travel often just to have a holiday. The increased travel habits of people have led to a spate of accidents or even death in different countries due to various reasons. The individual who is injured or dies in another country may not be really covered by their regular insurance. This is the main reason for the travel insurance.

What every traveler needs to know of travel insurance:

1. Type of cover:
The main types of travel insurance are domestic travel insurance cover and overseas travel insurance cover. This insurance cover is necessary for certain countries to issue visa to visit. The premium that the person pays for these covers may vary depending on the age of the person and the travel history and also the present status of the person. The premium may also increase depending on the destination. People who visit troubled countries may not even get insurance cover. Even if they get cover, they might have to pay a hefty premium.

2. Cost: The travel insurance is usually not very expensive as people might think it will be. The cost is much less than many people anticipate because they are usually clubbed with other factors. The insurer might have to insure the whole family. When calculated on this basis, the average travel insurance cost is usually very less unless the person is traveling to a high-risk destination.

3. The insurance company: It is sometimes beneficial to select the insurance company that is going to insure the travel through the travel agent itself. This may not always work out to be cheap because of the commissions. Some travel agents club these insurance charges as part of their regular expenditure. In these cases, the cost might be less. So selecting the insurance company for the travel insurance is a key factor in cost reduction.

4. Other benefits: The travel insurance can also be beneficial to the traveler. This is because the insurer to include the baggage insurance also clubs the travel insurance. This is more beneficial to thousands of people. This is because of the frequent damage or loss of baggage in many of the trips. So the people who have insured for their travel might benefit in more than one way. Some insurers may also cover such things like loss of connecting flights due to delay and other such incidents. These again give a lot of benefit to the traveler.

These are the various important aspects of travel insurance that every traveler needs to know.

Article Source: http://www.saching.com

About Author / Additional Info: I have completed my Masters Degree in Paediatric Nursing. I am a writer with a passion for writing. I have been writing for some blogs and other sites. Comments are welcome at the following e mail address: deenaanddavid@gmail.com

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