You are going traveling. You have lots of expenses to cover. You need to pay for your air fare, your accommodation, your food, your travel while away, cultural experiences and the list goes on. You want to save money so you decide not to bother with travel insurance. You are going on the trip of a lifetime so nothing will go wrong. It’s an unnecessary expense so you don’t need it. Wrong. Very wrong. Traveling with out insurance can be the biggest mistake you make when organizing your trip and a very costly one.
What is travel insurance? Well there are two kinds of insurance to look at when traveling.
1. Travel insurance, (sometimes called trip insurance) which covers cancellations, delays, lost baggage and emergencies.
2. Travel medical insurance protects you against any medical expense while traveling.
Ideally, you need a combination of the two when traveling.
Imagine these scenarios:
You are in Darwin, Australia when a cyclone hits the area. The city is devastated by the cyclone and all services shut down. You have to be evacuated and sent home. Your travel insurance will cover you for this. You do have travel insurance don’t you?
Your luggage goes missing in India. You need to buy new clothes and fast. Can you afford it in your budget? Of course you can, you took out traveler’s insurance – didn’t you?
Or what if you go surfing in Hawaii and take a big wipeout? You are so severely injured you need surgery and major medical assistance, and then are airlifted home. But that’s okay – your travel medical insurance covers all that. You have got it, haven’t you?
Travel insurance is there to protect you in case bad things happen on your trip. It is a necessary expense. Overseas medical costs can be astronomical if you are not insured. And if you are injured in a developing country, medical attention may not be as good as at home. If you are insured you can get flown home and attended to at no cost.
Every year the government deals with thousands of cases of travelers being injured, falling ill or dying overseas. This is a distressing situation for all involved, but made even worse when the travelers are not insured, often leaving them with huge bills to pay. Hospitalization in other countries can cost over one thousand dollars a day. Medical evacuations can be in the hundreds of thousands of dollars and if you die in Europe, it can cost over ten thousand dollars to bring your body back home. If you do not have travel insurance you have to cover these costs yourself (or your family will have to find the money).
Travel insurance is a cost you need to budget for. If you don’t take it out, your medical expenses could cost a whole lot more. Insure yourself and travel safe.
This article is brought to you by: Stuart S. Travel – Your Online Travel Guru
www.stuartstravel.com
Posts Tagged ‘Insurance’
Why Traveling Without Insurance May Cost You More
What Can You Get From Cheap Single Trip Travel Insurance?
Whenever you plan a trip or if you have already booked a vacation package, you should always get separate single trip insurance to protect you against any potential problems during your trip. When you start looking for cheap single trip travel insurance, be sure to check all the details of the policy. You have to study what will be covered by the policy, what would be the restrictions as well as the exclusions of the cover, and what is the policy for excesses.
You can get cheap single trip travel insurance for as low as £4.19. This is usually a basic policy which will cover your medical expenses while you are on a trip. If you want more comprehensive coverage, you can get premium plans and the price would not be too expensive. With a premium plan, you are fully protected for the entire duration of your travel or vacation. This type of insurance coverage can save you from lots of inconvenience and financial troubles.
Basically, cheap single trip travel insurance will normally cover your medical expenses if an accident happens or you get sick while travelling. You can also have emergency dental service coverage from single trip travel insurance. Sometimes your baggage might be delayed or lost but you should not worry because this is usually also covered by the insurance. Baggage and passport theft is also normally included in cheap single trip travel insurance. If you are travelling with a child, he or she will also be covered by your policy.
If you are participating in winter sports such as skiing and snowboarding, you can pay a little extra in order to get coverage while engaging in such activities. Even your participation in the game of golf can be covered by cheap single trip travel insurance, leaving you to focus more on your game if you know that you are fully protected by insurance coverage. With such a policy, you will be able to fully enjoy your vacation without worrying about the expenses you have to pay in case an accident happens during your trip.
In case you cut short your travel or vacation, for an insured reason, and decide to go home earlier, you will not be able to get a refund for the unused single trip travel insurance premium. However, your companion or someone travelling with you can be covered by the policy. So, you really cannot lose in the bargain because you ensured that your friend or a loved one can also be protected by your single trip travel insurance. This is probably the best deal that you can get from a travel insurance company. You will not only get full protection, you also get full guarantees that your covered claims will be honored even if you cut short your travel.
You can get a lot from single trip travel insurance. You must ensure that you have a policy that can provide protection for the entire duration of your holiday vacation. You will definitely enjoy your trip more if [...]
Benefits of Multi-trip Travel Insurance for the Frequent Traveller
Multi-trip travel insurance is also known as annual travel insurance. This type of policy is fairly self-explanatory. It can provide insurance coverage for you for a whole year from the moment you apply for the policy. This plan is ideal if you are planning to take several holiday trips and participate in multiple annual sporting events. It can also be very useful if you frequently travel to attend to your business deals and transactions.
You can save a lot if you choose to get an annual travel insurance policy. This is also the biggest benefit you can get from multi-trip travel insurance. Although annual travel insurance would be more expensive than single trip insurance, you will be able to get multiple coverage from a single policy instead of getting one policy for each of your trips. Normally, the cost of annual travel insurance starts from £18.20. This basic plan will be able to provide comprehensive medical cover as well as coverage for included sporting activities.
Multi-trip travel insurance is also very convenient for you as you will not need to contact the insurance office every time you book a trip or plan a holiday vacation. With annual travel insurance in place, you can simply plan your travel and holiday trip without worrying about insurance coverage. Multi-trip travel insurance usually has unlimited cover for each of your trips, so simply pack your bags and gear and go on your way. You are guaranteed to have sufficient protection for most problems that may happen during your travels.
Multi-trip travel insurance can also protect your family travelling with you. A basic package will include free coverage for children who will accompany you during your holiday vacation. You can also get sufficient extra coverage for sports activities. You can also choose if you would like special add-on coverage for winter sports activities such as skiing and snowboarding. One big advantage is you can get 24-hour support services from the emergency services if you take advantage of an annual or multi-trip travel insurance package.
Typical multi-trip travel insurance is unlimited so you get protection every time you travel. But you have to know the options you have for the duration of each cover. Normally, you can have 31, 45, and 60 days trip cover. So you should carefully determine the duration of your stay in a single vacation place in order to avoid inconvenience due to having misread the terms of trip coverage. You can also have the option to transfer the cover to a companion if ever you have to cancel your trip or cut your holiday shorter than expected.
Multi-trip travel insurance provides financial security, convenience, and is very cost-effective. You should get a plan that is suitable for your yearly or annual travel itineraries. Getting annual travel insurance will eliminate the danger of forgetting to get coverage for your trip. Not only will you save money and time if you get annual travel insurance, you can also save yourself from the hassle of filling out [...]
Buy Adventure Travel Insurance ? Protect Yourself Against The Risk Of Your Travel Adventures
Whether you are camel riding in the Sahara desert, ice climbing in Alaska, diving with great white sharks in Mexico, trekking in Nepal, or doing any other adventure at some other place, you will have to make sure that you are thoroughly covered under a good adventure travel insurance plan. Misfortunes don’t come knocking at your doors. Mishaps and accidents are very much likely in these extreme forms of travel. Such adventure activities are usually not covered under the conventional insurance policies. Following is a step-by-step guide on how to buy a special policy to get coverage for your travel adventures.
Review Your At-Home Medical Insurance The first thing that you have to do is to look into the terms and conditions of your at-home medical insurance policy. You should particularly check the exclusions section. Most traditional policies include adventurous activities, such as scuba diving, whitewater rafting, and other such things under exclusions. It means if you get injured because of such activities, you will not be covered. But, at the same time, most insurers also offer special provision where you can buy supplementary adventure travel insurance especially for your trip. If you don’t find all the details in your policy document, you should give a call to your insurance provider and know the options available to you.
Is It An Organized Tour? If your adventure travel is an organized by a tour company, you should ask the company if insurance is covered within the price of the traveling package. Even if the package does not include the cost of insurance, you can still buy it additionally from the same tour company. Many make it mandatory – you can’t join the tour team if you don’t purchase adventure travel insurance for the trip. Make sure that the amount of coverage is neither too high nor too low. It must be sufficient enough to protect you against the possible misfortunes during your trip.
Get Recommendations From Your Tour Company If your trip is not organized and you are going on your own, you can ask the tour company to recommend some good insurance companies and plans. It is worth going with their recommendations because they are in this industry and they very well know which insurers offers the best plans and services for such adventure trips. When they make recommendations, their reputation is at stake. So, it is very unlikely that they will offer you bad suggestions.
However, if you are one of those adventure addict travelers who frequently go for such trips, you had better consider obtaining a permanent adventure travel insurance plan. A good plan from a reputed insurance company will not cost you more than $20-$30 per month, but you will be covered for injuries and related medical expenses – no matter which part of the world you are traveling in. Overall, if you keep in mind the above things, you can easily provide optimum protection to the money you paid for travel adventures.
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Tags: Adventure, Adventures, Against, Insurance, Protect, Risk, Travel, Yourself 
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