Submit Articles A Collection of Informative and Interesting Articles  
 
HOME WANT AN ACCOUNT? SUBMIT ARTICLES TOP AUTHORS Debt Collections (Advt.)
 

Introduction to Travel Insurance - An Insider's View

BY: donna warren | Category: Travel | Submitted: 2010-11-14 20:51:29
       No Photo
Article Summary: "Your bags are already packed and travel plans have been arranged so go. Nonetheless, there is an unexpected occurrence causing interruptions in your trip..."


Share with Facebook Share with Linkedin Share with Twitter Share with Pinterest Email this article




Everything is ready and you know where to go so it is time to leave. Suddenly, an unforeseen circumstance causes you to cancel or interrupt your trip. Before the trip ensued, you should have gotten yourself some trip interruption insurance to protect your prepayments and deposits. Without any specific terms or conditions for coverage stated in your policy's fine print you might not be protected. Consumer reports travel letter reviewed nine trip interruptions, also called trip cancellation policies and found that they differ little in price but a lot in coverage.

Normally, there are more risks when policies are used by senior and insurers will try to convince you that a vaguely worded policy will give you adequate coverage and so it is necessary to find out the extent of the coverage in the fine print. Protection is possible for you and your heirs when personal mishap leads to losses with an illness, injury, or death clause. It is possible for a reimbursement to be rather difficult to obtain if a trip is spoiled by a pre existing medical condition meaning that you may have bought the policy with a health problem.

In the case of a pre existing condition, some policies offer coverage if no treatment has been done within 60 days of the date of coverage or a medication controlled treatment exists. Considering that a person gets medical treatment or advice within 180 days of the date of coverage a policy may not cover it. Not exempted from the policy brochures are controlled conditions. Normally, even taking an aspirin on a doctor's advice during this time can result to a denied claim.

Especially for seniors rather than the younger people, this is a particularly important road block according to consumer reports for they are more prone to illnesses and injuries. Besides injuries resulting from hazardous activity like active sports for example, some policies also list down exemptions such as war injuries and congenital conditions.

If you buy your insurance from a wholesale tour operator or travel agency that then fails, none of the policies protects you. Because of this, an insurer can be protected when it comes to fraudulent operators. To be safe, you should always get your insurance from insurance companies. Even on your way to the airport problems may occur and the evaluated policies offer cancellation coverage right up to your departure.

But with insurance sold by some cruise lines or tour operators, coverage stops 24 hours or more before departure. This is a risk best not taken. When operators offer a trip interruption policy then ask about the cutoff date. Having such a date is a sign for you not to buy it. Most insurers will charge you a flat rate per $100 of coverage.

No benefits come from overbuying. The tendency will always be that losses exceed reimbursements and so never overbuy coverage and take note of the amount of prepayments and deposits you are risking.

Set aside other travel insurance. Almost all travel insurance offer accidental death and dismemberment coverage, touting huge benefits at what look like modest prices. However, this can be expensive. An accident insurance policy that offers yearly protection is something that you need. Compared with flying on an airline, you are risking more by driving around your home city. Lost luggage and other travel contingencies can be dealt with if a person already has existing homeowner's or renter's insurance policy.

About Author / Additional Info:
http://www.covermore.com.au/1/cheap-travel-insurance.aspx

Comments on this article: (0 comments so far)

Comment Comment By Comment Date

Leave a Comment   |   Article Views: 2656


Additional Articles:
•   Transfer Deadline Day For Dummies.

•   Public Distribution System in India

•   Let's Try to Change the Ideology of Life

•   Adidas AdiZero Rose Shoes in New Style 2010 End


Latest Articles in "Travel" category:
•   Riding Amtrak Overnight Trains

•   Travel Exemplified - The Diary of a Traveler

•   Trip to Undisputed Natural Beauty 'Ooty'

•   My First Ever Cruise

•   Rome, Sabina (Italy): Good Food Wine and Olive Oil, Stunning Landscape.

•   On the Way to Silchar

•   Walking Tours With a Certified Tour Guide in Rome



Important Disclaimer: All articles on this website are for general information only and is not a professional or experts advice. We do not own any responsibility for correctness or authenticity of the information presented in this article, or any loss or injury resulting from it. We do not endorse these articles, we are neither affiliated with the authors of these articles nor responsible for their content. Please see our disclaimer section for complete terms.
Page copy protected against web site content infringement by Copyscape
Copyright © 2010 saching.com - Do not copy articles from this website.
| Home | Disclaimer | Xhtml |