Advice about travel insurance

Mayıs. 18, 2008 · Kategori: Travel Insurance

If you’re one of those traveling this holiday season, then it would be good to consider the benefits of "travel insurance". According to the U.S. Travel Insurance Association (U.S.T.I.A.), consumers last year spent more then $1.3 billion on travel insurance.Travel insurance does the most good when purchasing a vacation packet or flying long distances and overseas, when weather and other unforeseeable problems can ruin your trip. Here are few options to consider when looking for travel insurance:


Lost, delayed or stolen baggage - baggage-loss insurance reimburses you for lost, stolen or damaged bags. You can also get covarage for costs incurred if bags are delayed en route.

Here is the advice: To avoid any overlapping, check the airline’s policy for lost and delayed baggage, as well as your homeowner’s insurance policy.



Trip cancellation or interruption - this covers you if your plans suddenly change and you have to cancel or end your trip early. But it will only reimburse you for reasons on the insurer’s acceptable list, such as hurricanes and other inclement weather, injury, sickness or death.

Here is the advice: Make sure you read the fine print and know exactly what events are eligible for reimbursement.


Emergency medical insurance - if you become sick or injured while traveling, your personal medical insurance will likely pick up the cost of your medical bills. However, if you are traveling to a remote area, it may be wise to buy emergency medical evacuation coverage. If adequate treatment is not available at a local hospital, you would be transferred to the nearest adequate medical facility.

Here is the advice: You should check your healt insurance policy first, as it may be sufficient. You should also know that some travel policies will not cover preexisting medical conditions. Be sure to clarify whether certain aspects of your policy apply only to you, or also those covered by your policy and traveling with you.

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