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A Good Travel Insurance To Avoid Unhappiness On Your Holiday Trip

Author : Rhinoa Tarkada

Types of Insurance Available

There are several types of coverage for travel insurance and it will depend on the insurance company issuing the policy as to what you are covered for. Not all insurance policies offer the same coverage.

Travel insurance can be tailored towards the needs of certain types of travelers. There are special insurances aimed for students, business travelers, adventure travelers, cruise travelers, etc. Specialized travel insurance is usually a good option.

COVERAGE - What Should Your Travel Insurance Include?

There are many situations that could result in your need of travel insurance. Things like lost luggage, trips being cancelled, medical emergency expenses along with other situations you may not have thought of.

Your policy should at least cover you for the following possible incidents:

- Trip Cancellation
- Personal Accident coverage (death, permanent disability, TPD)
- Medical Expenses
- Baggage/Personal Effects Loss or Delay
- Medical Evacuation/Emergency Transportation
- Trip Delay
- Supplier Default (aka Travel Agency Default), this will cover you for any payments either full or deposits you have paid in the event the travel agency defaults
- Flight/Trip Cancellation will cover you for non-refundable payments or any deposits paid for trips that have to be cancelled due to unforeseen circumstances. This is the most common type of travel insurance.
- Flight Curtailment, Delay Departure
- Legal Assistance
- Personal Liability
- Car Rental Damage Excess
- Accident and Medical Expenses is another cover that could be overlooked but is very important when traveling. This will cover you for any costs you may have for illness or injury while you are traveling. - Baggage/Personal Effects Loss or Delay, this will cover you for any items that may be lost or delayed in getting to you while traveling. Things like your luggage not arriving with you and you need to replace certain item while waiting for your luggage to arrive.
- Medical Evacuation/Emergency Transportation, as it says, this covers you for medical emergency transportation if you need to be transported to a hospital or medical facility while traveling.

Travel insurance like all insurance needs to be looked into for what your needs are, you will enjoy your travel so much more if you know you have taken the right steps for a "peace of mind" trip. It is crucial to read the conditions / small print carefully to make sure you are fully covered for everything that you want to be covered for. It is always better to be safe than sorry where travel insurance is concerned. It might seem like you're throwing money down the drain that could pay for a nice meal or day trip on your holiday, but good travel insurance doesn't have to be expensive if you know where to look and can be a real life saver if things turn sour, particularly if you're thousands of miles away from home when it does.

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We hope that the article had assisted you in your decision making while buying travel insurance. For blog owners or writers, please note that article can be republished as long as all the links and content are not altered in anyway.

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Submitted : 2011-07-29    Word Count : 870    Times Viewed: 575