Here is great place to start when looking for companies that offer you the best rates and most comprehensive insurance packages to protect you on your holiday.
They will be able to recommend websites and other insurance companies that can meet your unique needs.
While most people wouldn’t think about travel insurance before going on their holiday, it may be a good idea to have, especially if you are going to go abroad for an extended length of time.
Most plans are affordable, allow you to pick and choose the coverage you need and are usually short term – the length of the travel from your home to your destination and back. Good plans should cover trip cancellations, interruptions, or delays, medical expenses and emergency medical evacuation, lost or stolen travel documents, and lost, stolen or delayed luggage.
When you are on holiday or traveling, you do not expect to need medical coverage. But on the off chance that something happens – say a car accident or injury during recreational activities – you will be protected by the travel insurance. You choose the additional options and coverage limits that you want to add to the base medical coverage.
A medical evacuation option will take you straight home to the hospital of your choosing and it will cover getting your personal belongings shipped home to you as well. There is special coverage available for sports injuries – nice to have if you enjoy indulging in skiing or water sports. There is also coverage for lost prescriptions that need to be replaced and medical referrals.
Include Car Rental in Your Travel Insurance policy
Medical coverage is probably the largest part of your travel insurance, but you should also have flight accident options and rental car insurance in case of accidents while driving. Twenty-four hour, seven days a week emergency travel services is another addition that you should add to your insurance.
If you are delayed or cancelled due to inclement weather, the insurance will cover your investment and help pay for flight re-booking, hotel and rental car reservations, last-minute flight changes, and tracking lost luggage.
Most travel insurance coverage can be purchased any time up to twenty-four hours before you depart on your trip. You do not need to add any additional coverage if you feel the base plan the insurance company offers you is enough, but if the price is right, then it is worth the extra coverage simple to have peace of mind.
Also, verify with the insurance company you purchase your travel plan with as to how many people are actually covered under it. Some places, such as AIG’s Travel Guard, cover up to fifteen people who live at the same address as you.
If you have a pre-existing condition, verify with the company providing your travel cover how they will handle it if you have complications due to your condition.
Some insurance companies have a 180 day buffer written into their plan. What this means for you is that if you or any of your traveling companions saw the doctor within 180 days of departing on your travels and they have to cancel the trip or get ill due to the condition while traveling, the insurance will not cover the expenses that incurred.
Make Sure Your Have The Right Travel Insurance Cover!
Make sure the travel cover that you choose also includes hazardous weather provisions. Snow and ice storms, tropical hurricanes, and other unforeseen weather conditions can cause you to delay or interrupt your trip to the point that you wind up losing a large amount of money.
With the insurance in place, you will be able to recoup any non-refundable expenses up to the amount to insurance coverage you purchase. This is an excellent reason for purchasing some additional coverage above the base plan. Airline tickets and lodging tend to be the big cost items on any trip other than meals.
In addition to trips taken via airplane, you can also purchase travel insurance that covers your vacation cruise with all the same benefits, from medical care to hazardous weather interruptions and cancellations. If you have a student in your family that will be traveling abroad for any reason, many insurance companies provide travel insurance to cover their expenses while they are away.
Any type of long distance travel will benefit from having travel insurance in place before you depart. Knowing that the insurance is there and paid for, and ready to be used in the even of emergency will give you peace of mind as you relax and enjoy the time abroad. Whether it is for a single trip or for the frequent traveler, travel insurance should be considered to cover any eventuality.