| It is really fun going on a holiday trip. You | | | | one-way return flight which usually costs far |
| will be so busy strolling around, doing what | | | | more than your economy round-trip fare and |
| you do not usually do, like skiing, | | | | whatever portion of the tour you have not |
| windsurfing and other activities worth | | | | used. |
| spending your holiday with. Outdoor trip is | | | | |
| really fun and entertaining. You are enjoying | | | | 2. Medical insurance cover medical and dental |
| snow boarding but suddenly you broke your | | | | emergencies. Check your health plan before |
| leg. We don't know when accidents may happen. | | | | getting a medical insurance because you may |
| It is just practical to get a travel | | | | be already covered by it. Search for benefits |
| insurance plan. | | | | and deductibles and the procedures for |
| | | | reimbursement of the emergency expenses. |
| Travel insurance plan is a way to minimize | | | | |
| the considerable financial risks of | | | | 3. Baggage insurance is included in the most |
| traveling. These risks include accidents, | | | | comprehensive policies, but is rare to buy |
| illness, and missed flights, canceled tours, | | | | separately. This actually the insurance for |
| lost baggage, emergency evacuation and | | | | your items such as jewelry, eyewear, |
| getting your body home if you die. | | | | electronics and photographic equipments. If |
| | | | the airline checked your baggage, it is |
| Each traveler's risk and potential loss | | | | already covered by the airlines. Homeowners' |
| varies, depending on how much of the trip is | | | | insurance is cheaper and you'll have coverage |
| prepaid, the kind of air ticket purchased, | | | | even after your trip. |
| your state of health, the value of your | | | | |
| luggage, where you're traveling, what medical | | | | 4. Flight insurance is crash coverage, is a |
| coverage you already have and the financial | | | | statistical rip-off that heirs love. It's |
| health of the tour company or airline. For | | | | basically a life insurance policy that covers |
| some, insurance is a good deal; for others, | | | | you when you're on the airplane. Since plane |
| it's not. | | | | crashes are so rare, there's little sense in |
| | | | spending money on this insurance. |
| What are the different types of Travel | | | | |
| Insurance? | | | | 5. Comprehensive travel insurance it covers |
| | | | all, airfare, car rentals, tour etc. it |
| 1. Interruption insurance and trip | | | | depends on you age. This can be a better deal |
| cancellations. It covers financial penalties | | | | for travelers with less of the trip prepaid |
| or losses you encounter when you cancel a | | | | because coverage is the same regardless of |
| prepaid tour of flight for an acceptable | | | | the premium you pay. Some comprehensive |
| reason. These might include you and your | | | | policies also cover collision damage, which |
| family members who can't travel because of | | | | allows you to avoid paying your car-rental |
| sickness. | | | | company for collision damage waiver CDW |
| | | | insurance. |
| It might also include you business partner or | | | | |
| airline that goes out of business or can't | | | | Never buy travel insurance from companies |
| perform as promised. It is also possible to | | | | with no names. Not all insurance companies |
| cancel if you have a family member who is | | | | are licensed. You do not have a case if you |
| sick. For a good reason such as a car | | | | claim problems with a licensed company with |
| accident or inclement weather, you miss a | | | | no license. Most of the licensed insurance |
| flight or need an emergency flight. In other | | | | companies are open 24 hours. |
| words, if you or your travel partner breaks a | | | | |
| leg a few days before your trip, you can both | | | | Getting travel insurance is as good as |
| bail out and neither of you will lose a | | | | securing your family's health. It is making |
| penny. | | | | sure that everyone is properly protected, |
| | | | including the loss of your passport, money or |
| And if, a day into your tour, you have an | | | | luggage, travel delays, missed departures and |
| accident, both of you will be flown home and | | | | incurring legal expenses. It is like you are |
| you'll be reimbursed for the emergency | | | | sure you are having a safe trip. |