Categorized | Travel Insurance

The Advantages of Securing Trip Travel Insurance

Are you contemplating a trip abroad?  If so you should think about getting a trip travel insurance policy to protect yourself, and your family. Several things can go wrong when you are on vacation or even before depart.  It?s imperative to be aware of the kind of expenses that can be encountered while traveling, which could be avoided by having an insurance policy

This is when it is reasonable to secure travel insurance.  Travel insurance can cover most events from trip cancellation to the expense of emergency care while away.  All insurance companies are not equal so it pays to do your homework before making your purchase.

Most travel insurance policies will offer as standard coverage- trip cancellation, or delays, medical and dental treatment, medical emergencies including evacuation and transport  to home, lost luggage, emergency transportation and accidental death.
Most insurance policies contain exclusions that rule out coverage of certain situations. The will exclusions vary from policy to policy.

There are some events that are never covered by travel insurance policies, under any circumstances. It is important to be aware of this before travelling. These events are war (although most policies will cover for terrorists attacks), Interruption to your trip due to business or contractual commitments, and mental or nervous disorders.

There are a few kinds of insurance related to travel that you may not need because you may be covered by other sources.  Thus, you’d be buying double coverage. You probably don’t need flight insurance since your term life insurance will possibly cover accidental death and your medical insurance will possibly cover any accident that occurs in flight.   Similarly, accidental death insurance is possibly a duplicate of any life insurance you might have.  Also ignore the collision damage waiver at the car rental counter because its a duplicate of your auto insurance.

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