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The Advantages of Purchasing a Travel Insurance Plan

BY: Lisa Cordero | Category: Travel | Submitted: 2011-01-13 20:46:30
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Article Summary: "There are some people who buy travel insurance just right before they ride a plane as a sign of lucky charm. There are different perks and privileges offered by insurance packages today for passengers whether they travel by air or land..."

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Some people believe that it is better to buy travel insurance every time they go on trips because this is some form of a lucky charm. Passengers will surely be satisfied by the different insurance packages that are offered today because of the different benefits that they could get. Once you buy this insurance which is priced very low, you will get the advantage of having paid with emergency medical bills.

As soon as the plane is off the ground, your luggage will be taken care of by the flight insurance. There airlines could only check all bags at a certain point. Trip cancellation and trip interruption coverage are important types of insurance wherein any traveler can choose any of the two.

It is great if you would avail of the total nonrefundable investment which is only priced at $3 per $100 because this includes hotel reservations, air or cruise fair sightseeing, car rentals and the likes. Insurance is way better then shopping for fares and other travel items because this is a cheaper and more efficient way. There are a lot of different travel insurance plans that differ in prices and coverage.

According to a survey for a consumer newsletter, the range for the same cancellation insurance coverage for the same trip goes from $12 to $24. Once accident, medical and baggage coverage are placed together in one package, this makes choosing a difficult task for travelers. Cancellation coverage can be purchased from any insurance company but there is a possibility that this type will not be available from their brochures. Companies earn just by merely advertising what's on those brochures for in this way, they could earn more than $10 per person in a two week trip by selling their packages, according to a broker.

If you have a lot of personal life insurance and homeowner's insurance, then why bother yourself to purchase travel insurance? On the other hand, upon availing of a travel policy, the gap that was created in your coverage will be filled up if you have already invested so much in prepaid vacation. If you are to cancel on some policies, this will obviously cost you more that is why charter operations are allowed to refund their policy. As for charters, you can apply for this through those insurance company travel agents.

Why not go for a policy that is way better than the old one that you have purchased? Being a crammer doesn't make a difference. Travel insurance is available in the airport itself. Anyway, there's no saving involved here. It doesn't matter if you plan to buy your insurance hours before your flight or months before your trip because the price of it will still be the same.

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