Insurance For Your Travels
There is a misconception that supplemental airlines
, once known as non-scheduled carriers, are being avoided by the travel insurance industry. In this case, people think that their insurance will not be valid on such airlines or if they travel on them they will not get insurance.
Although this was the case in certain fields of insurance some years back, the situation has since changed. First and foremost supplemental air lines are not going anywhere and by providing a seemingly endless array of coverage for the thousands of passengers who fly on them, the insurance industry has recognized this.
One of the strongest votes of confidence comes from the traditionally conservative life insurance industry. No restrictions were present when it comes to these charter carriers according to the insurance institute's spokesman for one large segment of the business.
Taking supplemental airlines into consideration, two relatively new, more flamboyant branches of the insurance business provides a more guarded view. Sold in this case by two segments are trip and travel insurance.
The first is perhaps best known as the kind sold at airports through machines or by attractive attendants at sales counters. In this case, expect to receive coverage to and from airports, getting on and off the plane, and while in flight including take-off and landing.
Here, a much broader coverage over a longer time comes with the second one. Usually, these are bought through insurance or travel agents in advance of a planned trip but these can also be bought in airports.
When it comes to these, some of the biggest companies in the business are involved with at least one. You cannot directly compare the policy with another one because of the special wrinkle. Consider reading the fine print to know what you are getting because even though the cost would be the same for the same coverage companies do not provide the same coverage.
What their machines at airports do is generally dispense insurance covering scheduled carriers or charter flights of these airlines as mentioned by the sales vice president of a Washington DC insurance company. As he said, what trip travel policies from some insurance counters also cover include scheduled and non-scheduled lines, supplemental, certificated and non-certificated, irregular, and air taxi operations. Expect some variations in the price and coverage for the scheduled and the supplemental flights.
Considering scheduled carriers, $90,000 round trip coverage to anywhere in the world plus $5,000 in medical benefits for $3, except in the capital, where it's $2.50 can be provided by one insurance company.
Usually, the maximum coverage drops to $50,000, there are no medical benefits, and the round trip rate abroad is $8 when it comes to supplemental airlines. Taking a 21 day all accident coverage costing $30.95 into consideration, you will be provided with coverage for up to $20 a day in hospital sickness benefits, $5,000 medical benefits, and $50,000 death benefits.
In the case of two other insurance companies' trip insurance, these only cover scheduled airlines or charter flights of two major scheduled airlines.
The expense will amount to $2.50 for $75,000 of coverage, good only at the airport or while in flight. In the case of other kinds of charter flights where supplemental airlines are used, coverage is provided in a short term travel policy.
For about $50,000 of coverage, the cost will run up to $33.55 for 15 days but all kinds of accidents on and off the plane are covered.
Here, one company offers the go policy. About $46.
30 is the cost of coverage for payments and $50 baggage protection including $50,000 accidental death or dismemberment, coverage for a 21 day trip anywhere in the world, and $5,000 for medical expenses. A general agent from an insurance company said that the coverage can vary from company to company, when it comes to supplemental airlines.
by: John Chambers
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