Don't Travel Without Travel Insurance
It is quite worrisome planning a business or leisure trip when there is news of any
disease anywhere in the world and it can unsettle the coolest of people.
To overcome this risk, it is best to think about travel insurance. There are different policies depending on the coverage and some of them do cover trip cancellation as well.
Policies are different with regard to the risks they cover.
Your insurer is the best person to answer your queries about what each policy covers. Once you have the facts with you, you can easily get the proper insurance.
Approximately thirty percent of the travelers in the US opt for travel insurance. A good number of them are bound for cruises or tours or are international travelers.
Close to 38 percent of the people will get a travel insurance plan when they book a vacation package through a travel agent.
More and more people are now treating travel insurance as a must have before setting out. As if medical scares and natural disasters were not enough, terrorism has pushed people ever so close to travel insurance.
When a negative event strikes, people realize that they gain more from travel insurance than the travel industry does.
In the event of any negative event forces you to cancel your trip, the insurance money that you will get will be determined by the events that led to it.
Your travel insurance most likely covers the medical assistance that you might need as also the expenses for evacuation or quarantine. Most often insurance companies are quick to provide information about hospitals and ways of moving out the particular area.
When there is an outbreak of any disease and prior information has been given, such insurance cover is not applicable.
The conventional plans completely overlooked the possibility of health scares affecting a trip. Terrorism has found mention in some of the more contemporary policies, but epidemics like swine flu are yet to be considered.
On paying a higher premium and opting for certain policies you have the liberty of canceling your trip and still getting a refund only that you are required to cancel in advance. It could be absolutely any reason.
Travel insurance covers you for a host of contingencies like terrorism, natural disasters and outbreak of disease.
In case you lose your job and are required to cancel your travel plan, there are some policies that offer protection against that as well. You will have to find out details from the concerned insurance provider.
Insurance adds just about 3.5 to 9 percent of the cost of the trip. The two major factors are your age and the plan you select.
You will be able to select the most suitable plan once you are sure about where you are going and how long you are scheduled to stay there.
Unexpected events could surprise you. Flights do not necessarily follow the stated schedule and bags do not always come through on time.
You might be left wondering why, despite all precautions, you got delayed or your trip had to be cancelled. These are a few of the reasons why travel insurance is essential.
by: John Chambers
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