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Posted on May 28, 2009 by Matthew Kepnes | Posted under Travel and Leisure
Why You Should Get Travel Insurance
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A good place should cover the following: - Covers most countries in the world. - Make sure they cover your electronics. - Cover injury and sudden illnesses within the country and abroad. - Twenty-four hour emergency services and assistance. - Cover lost, damaged or stolen possessions like jewelry, baggage, documents, etc - Cover cancellations such as the trip, hotel bookings, flight, and other transportation bookings. - Cover emergencies, strife in the country visited, and other emergencies that cause you to head home early. - Cover hazardous activities such as jet skiing, scuba diving, sky diving, paragliding, etc. - Policies should include personal accident coverage. - Cover any legal expenses if incurred. - Financial protection if any company you are using goes bankrupt and you are stuck in another country. You should also identify what is not protected and is excluded. Travel insurance policies do not normally cover alcohol or drug related accidents, or carelessness in handling your possessions and luggage. You won't get reimbursed if the problem happened because you were reckless. Additionally, travel insurance often covers health incidents. You will want to make sure your plan does. If you get injured while traveling, you want to make sure you are covered, especially if you are injured during an outdoor trek and have to be airlifted somewhere. You do not want to have to cover the costs of that yourself. Make sure your insurance company provides at least 500,000 dollars in accident coverage. If you make a claim, remember travel insurance companies, no matter how good, are there to make money and will try to avoid paying out as much as they can. Make sure you have all your receipts and necessary forms. Be prepared to wait awhile to receive your money too. Even the best companies drag their feet. There are a lot of travel insurance companies out there. Two of the best travel insurance companies are STA Travel and World Nomads. Depending on what your needs and requirements are, one of these companies will meet your requirements. Make sure you read the fine print in any contract and agreement before you sign it because if something goes wrong, you don't want to be the victim of a legal loophole. Another way to get travel insurance besides signing up for a specific insurance coverage is via your credit card. The majority of credit cards offer travel insurance. American Express, Capital One, and Citi all offer various degrees of protection depending on the card you have with them. American Express offers the most comprehensive coverage but if you have a high fee card or good credit, usually any company offers good insurance. Just remember though that this credit card coverage does not include health insurance. No matter what kind of trip you take, it is important that you buy a travel insurance plan before you go abroad, especially if you are traveling for an extended amount of time. You never what could happen when on the road, what could get lost or stolen or who could get ill with what. You should play it safe for the few extra dollars travel insurance costs per day. It is a worthwhile expense for some peace of mind. About The Author: Matt is a long term traveler with a lot of experience. He runs a travel website where you can find more information about travel insurance for when you plan your next trip when go around the world. |
Tags: TRAVEL TIPS, TRAVEL ADVICE, TRAVEL INSURANCE, INSURANCE, INSURANCE COMPANIES, TRAVEL
