5 Reasons Why You Need Travel Insurance

Travel insurance has an interesting reputation with those who are frequent travelers. Some see the need for travel insurance, while others cannot see a need for the insurance itself. There are many different arguments for each side of the case. When it comes down to it, however, there are several reasons for people to make sure that they have travel insurance before they go on their trip. While there are multiple different kinds of insurance, and multiple reasons to get the insurance, here are six reasons why you need travel insurance for your next trip.1. Lost / stolen baggagePeople often wind up with lost or stolen baggage when they are travelling around the world, especially when they are flying. While some companies may pay you for anything that they lose, others will not. Most will not cover the cost of anything that is stolen. By getting travel insurance, you can get the exact amount of money that everything in the luggage is valued for in case the luggage is lost or stolen. Without it, you may not even get the money to purchase everything that you have lost.2. Damaged personal goodsIf any of your valuables get damaged while you are on your trip, you are going to have to pay for them yourself. If you have travel insurance, however, you can make sure that anything damaged is taken care of. When a company damages your goods, but will not pay for it, travel insurance can step in to pay for the goods.3. Missed or canceled flightsDid you miss a flight? Are you going to have to stay an extra night in a hotel because of the missed flight, or do you need to pay extra for a new flight? You may be able to find travel insurance that can cover you in these different situations.4. Suffer an accidentIf you suffer an accident while you are traveling, your regular insurance may not cover it. By getting travel insurance, you can be sure that you are covered from accidents.5. Suffer an illnessIf you get sick while you are on holiday or while you are traveling and need to visit a hospital or something like it, travel insurance can help you to pay the bills when regular insurance will not.People often fail to think about lost or stolen baggage and luggage when they travel. This is something that can be covered by travel insurance. There are people who fail to think about the personal things that could be damaged while on a trip. Some people do not think about missed flights, accidents, or illnesses when planning a trip. These are all things that could be covered by travel insurance, however. By looking into travel insurance and getting travel insurance, you can be sure that you are covered in every situation possible.

While his first love is managing personal finances, Tom Becker is also an ardent traveler. He works for a well know Australian price comparison website where you can compare everything from travel insurance to holiday loans and frequent flyer credit cards online.

Purchasing Travel Insurance

There are three main options you have when purchasing your travel insurance.1.You can buy direct from the insurer.2.Buy through your local travel agent.3.Buy from a travel insurance reseller usually online.Buying directly from the insurer or through your local travel agent you will generally find that the travel insurance you buy is not discounted. You have to go directly to their office, discuss your travel needs then fill in application forms for your insurance. It can be a time consuming affair. Buying through a reseller generally means you will save money and time. Most resellers have web sites where you can fill in your information online to find the travel insurance policy that you require. You can then complete an application form and receive your policy by mail. The resellers are offered a discount on the insurance by the insurance companies, so they can pass on some of this discount to you. The following outlines what a reseller of travel insurance is and what it means for you.What is a Travel Insurance Reseller?A travel insurance reseller is a middle person between the customer and insurance company or companies. What do they do?A travel insurance reseller sells travel insurance for one or more insurance companies, usually at a discounted price. Because a reseller receives discounts from the travel insurance companies they can offer you cheaper travel insurance than buying direct from the insurance companies.What are their responsibilities?The responsibilities of a Travel Insurance reseller are:Help you find a travel insurance product that you need.Interact with the insurance company to complete your application.Interact with the insurance company to process any Pre-Exisiting medical and senior traveller issues. This interaction often involves a fee.If you need to cancel the insurance before you travel then the reseller will interact with the insurance company to cancel the policy. You may be charged for this service.Once your policy has taken effect the contract is complete and any interactions in regard to claims must be dealt with between you and the insurer. The travel insurance reseller is able to help you to get in touch with the insurer. How do they profit?Travel insurance resellers profit by passing on part of the discount that they receive from an insurance company to you. For example, a reseller may receive a 45% discount on the Travel insurance products that they sell, and they may pass on a saving of 15% to you. So you walk away happy because you have saved 15% on your Travel Insurance product and they are happy because they have made a 30% margin on this product.How do I know if a Travel Insurance Reseller is reputable?In Australia all travel insurance resellers must be approved and will have been issued with a Financial Services Reform Act (FSRA) Number. Look for this number on their web site, their business cards or the Product Disclosure Statement.Australia Travel Insurance wishes you a wonderful and safe journey.

Travel Insurance - A Must For A Dream-like Holiday

Traveling gives one the exhilarating sensation that you are alive. Seeing new places, meeting new people and experimenting new opportunities are just a few of the thrills offered by a trip. Life itself is an adventure; traveling is much more than that. It involves several risks and many people want to be prepared.Travel insurance is the first step that should be taken when planning your trip. If you are skeptical in getting travel insurance and consider it a waste of money, take time to think and reconsider. You never know what may happen.Being insured means that you accept that you cannot control your life completely and you want to be prepared in the event that accidents or risks occur. The travel insurance policy doesn't have to be high-priced in order to suit your needs. Due to the increasing competition in the insurance market, the prices are quite affordable and if you allow yourself a few moments to browse and compare, you can easily find the suitable travel insurance policy for you.Choosing the appropriate type of travel insurance policy can be a little tricky but if you are clear on what you need and on the sum you are willing to spend there should be no problem. There are several factors to be considered when you decide to purchase travel insurance. First of all, the duration of the journey; if it is for a long period of time, you will need a comprehensive insurance. Then the destination; remember that the more remote the location is, there are more chances that insurance features like medical/emergency evacuation be added to you policy. Check if you have on your travel insurance 24 hour/day assistance available and if it covers contingency cases.If you choose travel insurance packages, you should know that this kind of insurance is best suited for single trips like tours, air trips and cruises. It is ideal for business but also personal traveling in foreign or domestic areas. Travel insurance has a lot to offer, you just have to pay attention and find the one that suits you best. The travel coverage includes: cancellation of trips, interruptions of flights, delays of travel, lost of baggage and personal effects, emergency evacuation, medical care and optional policies cover accidental death. In all these cases, unfortunate as one can see, the insurance company will reimburse your money and provide assistance all the way.Canada is always an outstanding place to visit for a holiday, but any visitor that comes to Canada will need to have their travel insurance for Canada, since medical care can be expenseive for tourists if they are not careful. Having travel insurance in Canada is wise and insuring with a Canadian company may bring you several advantages. It covers among other things travel document loss, accident/sickness medical expenses and medical evacuation/emergency transportation.Getting travel insurance quotes for Canada can be a very time-consuming task. The Internet comes to the rescue as always and provides a quick and easy method of insurance shopping. Search for a reputable company, browse their website and you can compare and contrast several travel insurance policies not to mention receive free travel insurance quotes. The Internet works extremely fast and you will get a lot of travel insurance quotes in a short period of time. The market is rich in choices, you just have to make the smart ones and there are many benefits to shopping travel insurance quotes online.Taking your time to browse for travel insurance quotes can bring you a great deal of satisfaction. You get many quotes in a quick time; you can compare several travel insurance quotes at once and reach an informed decision. Not to mention the fact that travel insurance quotes in Canada can be easily purchased online.Travel insurance quotes are easy to find and also to obtain. Going online can help you make the best decision and also save time, effort and money. Choose the best possible travel insurance quotes and consider the features useful for you. Make sure that the travel insurance quotes are within your budget. Keep hunting until you find the right one. Remember that few things in life are as satisfactory as traveling and it is worth doing all your best to make a dream trip a true reality.

Travel Insurance: Minimize The Risks Of Travel

Are you planning for a trip in UK or abroad, but is afraid of the unforeseen and unpredicted events that may take place during the trip, like fight cancellation, sudden illness or natural catastrophes. A simple fracture or a simple injury can cost you a fortune. Apart from health problems, you may lose an expensive item or your baggage; there may even be flight cancellation. To shield your travel from all these problems and to make your trip more pleasant, you should certainly purchase travel insuranceTravel insurance is an insurance purchased from a company to meet the expenses of a tour or tours taken by an individual either for the whole family or for him individually. Travel insurance covers the cost of personal accident, medical expenses, air ambulance, repatriation costs and all other expense that may arise as a result of loss, damage, injury, delay or inconvenience occurring to the client. This policy covers trip cancellation also.Travel insurance covers the travel insurance deals for:Single Trip Travel InsuranceAnnual travel insuranceSki/ winter sports Travel InsuranceBackpackers Travel InsuranceAdventure Travel InsuranceBusiness Travel InsuranceSingle Trip Travel Insurance: It is basically for those who have plans to travel in UK or abroad for once in a year. It is totally flexible and easy to purchase.Annual Travel Insurance: This type of insurance is sponsored for unlimited trips for a whole year. The couple and the family policies cover all people individually even if they are not traveling together. Ski / Winter sports Travel Insurance: This type of insurance is provided for winter sports like skiing and snow boarding.Backpackers Travel Insurance: This type of insurance is perfect for students who are planning long trips abroad or within Europe. The students who are planning to take a gap year can enjoy the full benefits of this policy. Even elder people up to the age of 45 can avail this insurance. Business Travel Insurance: This is basically the insurance given while one is on a business trip. Adventurous Travel Insurance: If one needs more than sitting in the beach for hours, then go for an adventurous travel abroad. But before that insure yourself with adventurous travel insurance.There are certain pre-conditions that need to be fulfilled before your insurance company gives you travel insurance. To avail this insurance policy, one has to be a resident of UK, below the age of 70, should not be instructed by any doctor or medical supervisor not to travel in the next 12 months. It is a very important task on your part to check all the details of the insurance company before buying travel insurance. Almost all the insurance companies now have websites of their own. So it is easier to shop around for you to search for the right insurance plan.

Cheap Annual Travel Insurance: Within The Access Of All

Annual travel insurance is usually taken by those people who are in the habit of traveling very frequently either due to their official work or for personal trips. Traveling usually involves high expenditure. Instead of taking several insurance each time you travel, you can buy a cheap annual travel insurance that will save not only a lot of money but also your time. With cheap annual travel insurance the expenses of traveling is reduced to a great extent. Now it has become easy to travel various places frequently without any tension about expenses on traveling. As traveling insurance is always taken to insure you against any mishap during traveling, cheap annual travel insurance provide great security during journey as it insures against any upcoming and unknown incidents or ill happenings.Cheap annual travel insurance covers all the problems and troubles which you might have to face during traveling like illness, personal accident in travel, any medical expenses. Cheap annual travel insurance covers all expenses associated with traveling. Cheap annual travel insurance provides a kind of assurance by giving full coverage so that you travel hassle free. Coverage is the main concern while selecting any policy of cheap annual travel insurance so that you can enjoy the real pleasure of taking annual travel insurance. Hence when you select for the cheap annual travel insurance you need to make sure that the coverage of travel insurance should provide cover to the personal belongings, medical expenses, legal expenses, personal liability and also for personal accident. You must check different forms of insurance policies on cheap annual travel insurance around and also check out various options given so as to save a great deal of money for your self.When you search for the annual travel insurance then it becomes essential for you to look upon all different policies offered by different insurance companies in the market. You can research for appropriate annual travel insurance very easily through internet. Internet is the most convenient mode of collecting information. Now as nobody have time to go manually and search about annual travel insurance? Hence insurance companies have released their own websites and they put all information about their policies on these websites. Insurance companies even make all current changes about their policies on these websites. So that insurer could get the correct information about the cheap annual travel insurance.

Travel Insurance Faq

Travel Insurance is an essential part of any trip and is something that should not be put aside. Most soon-to-be travelers usually have heard about travel insurance, but might not know the specific reasons why they need travel insurance. This is an important article about frequently asked questions for travel insurance. This article also provides a link for further reading about travel insurance.What is travel insurance protection?Travel insurance is a type of insurance that covers you financial for any losses or illness that may unfortunate occur while you is on your trip. Travel insurance can be bought for international or national (within your country) trips.Why should I buy travel insurance?Since travel insurance protects you while traveling, this will help and provide the necessary protection you will need in the occurrence of a unfortunate event. Any individual traveling anywhere without travel insurance will be in a dangerous situation if an accident occur.What is the coverage for travel insurance?Travel insurance should provide coverage for medical cost, transportation to a medical facility, and reimburse you for certain or some nonrefundable costs due to a interrupted trip, and financial loss of funds.How much does travel insurance cost?How much the cost of your travel insurance will be depends on your insurance company provider and their policy. The cost of travel insurance usually will range up to 12 percent of the cost of your vacation/trip.Is travel insurance really important and how many people actually get paid for their claims?Travel insurance is highly recommended, there are usually about 10% of people who file claims. Sometimes some travelers make have taken a overly expensive trip that they would have to pay out of their own money if they have not bought travel insurance.What is the medical care coverage?When there is a case of illness or serious injury, medical transportation to an appropriate medical facility, and medical treatment will be covered. You should also have coverage for if it is deem necessary to bring you back home.Does travel insurance cover business trips?This will depend on the insurance company. Most insurance companies will provide travel insurance for a business trip, but the coverage may be separate from the standard coverage.How long will travel insurance provide coverage for me?You can often buy travel insurance starting from as little as two weeks, up to a year. Different insurance companies may vary with their service of coverage.When is the best time to buy travel insurance coverage?The best time to buy travel insurance is as soon as possible before you go on your trip or vacation. You want your travel insurance active during your whole trip.What will happen if my money is lost or stolen?If you can not receive traveler checks replacements many insurance companies provide a service where a travel agent can arrange a money transfer or traveler check for you to receive. You will have to ask more about this to your travel insurance provider.

Timing is Everything -- Especially With Travel Insurance

Few things in life are as satisfying as a trip abroad, and most of us can hardly wait until we leave on our great adventure. Anticipation of things to come merely heightens our delight. Planning our trips is part of the enjoyment. Running around, buying our tickets, luggage, clothes and other items that we plan to take with us don't even seem like chores. It's not even painful to pay for these things because we know that soon we'll be exploring places we've never been before. However, there is one "fly in this ointment", one more expense that we'd rather not have because even though it costs us money, we receive no tangible benefit. What am I talking about? Why, travel insurance, of course!!!Is Buying Travel Insurance at the Last Moment Okay?I don't know about you, but as far as I'm concerned, paying for travel insurance is not exactly my favorite way of spending money. Could it be because travel health insurance is not exactly sexy? Or is it because it just adds to the cost of an already expensive trip? Whatever the reason, I'd rather not spend the bucks on travel medical insurance. However, because I know that it really is a necessity, I buy it. Nevertheless, I tend to put off the purchase as long as possible because it still feels like an "extra". Am doing myself a favor or not?Are You A Gambler?Is keeping my money in my pocket for as long as possible helping me or hurting me? By delaying my travel insurance purchase until the day I leave, I'm actually hurting myself. This is because I'm actually gambling that nothing will happen to me before I buy my insurance. I'm betting that I or someone in my family won't fall ill or get injured prior to departure. Also, if I haven't bought it and something bad does happen, I won't have any insurance coverage and I'll be out of luck. Wouldn't I be smarter to get my travel insurance ASAP in order to minimize my risk and maximize my potential benefits?Don't Lose Your Pre-Existing Condition CoverageThere is another reason to buy travel insurance without delay. Sometimes we make our travel arrangements in stages and don't book our flights at the same time. We travelers are eligible for pre-existing medical condition exclusion waivers provided we buy our travel insurance from 7 to 21 days (depending on the policy) of making our arrangements. If we wait longer, we may not be eligible for those benefits, especially if a previously unknown health condition should materialize.Don't Wait To Finalize Everything Before BuyingWhenever I have traveled, I have known in advance what my plane tickets were going to cost, but what about you? Maybe you've made travel plans but have not yet bought your plane tickets. I suggest that it's a good idea to buy your travel insurance even if you haven't bought your tickets because doing so will ensure that you will qualify for the pre-existing condition exclusion waiver. If you don't know what your flight will cost, estimate the cost and include this figure in the total cost of your trip. Later, when you have purchased your flight tickets, you can advise the insurance company. That way you will not risk being ineligible for coverage for a medical conditions that crops up prior to departure.What If You've Already Left on Your Trip?I happen to be one of the world's greatest procrastinators. My motto is, "Never do today what you can put off until tomorrow because you might get lucky and not have to do it at all!" Maybe you, too, are a Great Procrastinator and you avoid buying travel insurance before you leave on your trip. What happens if you have delayed buying your travel insurance or expatriate insurance until AFTER your departure? Are you out of luck? Are you ineligible for insurance because you didn't buy it before you left home?Fortunately, the good news is that, even if you decide to buy after departure, you are still eligible for insurance. If you can get access to the internet, both travel insurance and expatriate insurance can be found and purchased online, even after you've left on your trip or taken up residence abroad. As the old saying goes, "Better late than never," especially in this case!Can You Get Insurance for Someone Else Who Has Already Left?Here's another scenario. What if there is an emergency and a family member (including minors) or a friend or employee has not bought travel insurance but has already left on their trip? Do they have to travel uninsured? The answer is no, they don't have to go without travel insurance. You, or someone else they designate, can go online and purchase travel insurance on their behalf. It's good to know that when friends, family or employees are too busy to get their own travel insurance, they don't have to go without it.In this case, all you need to do is fill out an online application and make the required online payment. You'll get instant confirmation and can even print out a copy of the policy. There is one cautionary note though. If you're purchasing travel insurance on behalf of a minor, you'll first have to register as an adult in order to get the insurance. It is also important to note that they will not be eligible for coverage for pre-existing medical conditions that occur during the trip after departure and prior to purchasing their insurance. This is merely another reason why purchasing travel insurance should not be delayed.In the World of Travel Insurance, Timing Definitely Is EverythingTiming is everything, they say. Purchasing travel or expatriate insurance was probably not on the mind of whoever coined that phrase. Nevertheless, those words apply as much to buying travel insurance as they do to anything else. Given the potential for financial ruin if you're not insured, the time to buy yours is before you need it because buying it after you need it is impossible and much too late. Learn from the "Great Procrastinator" and get the insurance you need before you need it.John M. Bartanus is an educator and writer. He is also the publisher of Travel Insurance Central (http://www.travel-insurance-central.com).

Cheap Travel Insurance: How To Save Big Time On Coverage... Starting Now!

When you plan to travel abroad nowadays, you might be totally surprised how abundant cheap travel deals are being offered both online and offline. That is, if you haven't contacted your travel agents lately or if you have been hibernating in your own country for years or simply don't feel the need for traveling. Anyway, the bottom line is that traveling abroad today is not very expensive as it was before.Surely, it can be the reason for a celebration. But before you start contacting your travel agents for a quick booking of your trip, you have to realize that when travel is being offered at cheap prices, more and more people are traveling. And when people travel, it increases the risk for people getting involved in an accident. It should not be a problem if these traveling population buy travel insurance to protect them in case things would not go as planned. But the bad news is, travel insurance is neglected - the very reason why people lose their appetite for traveling in case something happen.Normally, when people talk about travel insurance, they are speaking about wings falling off in mid air or plane unable to properly secure its landing gear. Although these kinds of scenarios are possible during travel and need to be taken into consideration for buying travel insurance, there are more minor incidents where you need to be prepared with and be covered like trip cancellation, trip interruption or delay, medical emergencies including doctor's fee, hospitalization, and emergency evacuation, and property damages and losses.In addition, the general perception of the travelers with travel insurance is that it is expensive. This causes travel insurance to loose its appeal to travelers. But this thing would stop because like travel fares becoming cheap, insurance are getting the right price it deserves.And to know more on how to maximize you trip while providing you with peace of mind here's how to get cheap travel insurance you need:1. Check online for your cheap travel insurance. Usually, the Internet has more to offer when you are looking for cheap travel insurance. One great advantage of searching here is that you can compare instantly the quotes, different cheap travel insurance sites offer. You can check all the available coverage and single out your best choice. With a little time and work, getting cheap travel insurance is not a hard task.2. Avoid buying cheap travel insurance directly to travel agents. Instead buy it directly from insurance company. Since travel agents earn big commissions, the cheap travel insurance you though was cheap, it not cheap at all. One more point: you can get travel insurance from travel agents twice as high compared to travel insurance companies.3. Check your existing insurance. Usually, your home insurance would cover your trips abroad. If it does, identify the coverage you need to have that is not included in your existing insurance. This would give save you a lot.4. Ask for the cheapest rates. Oftentimes, people tend to settle for the insurance that is suggested by the representative of the company. To get the cheapest rates, all you have to do is ask for it, chances are it would be given to you.These are some of the best ways you can do if you are shopping for cheap travel insurance. But of course, there is no better way to save is to be careful all the time.

Obtaining Travel Insurance is As Easy As ABC

Very often, people do not get travel insurance because of two main reasons. The first reason is because they feel that it is not necessary as the chances of anything happening such as lost luggage or pickpockets are very low. Although this is true but when you look at it from a different point of view, such incidents are happening every few moments and it might just be you the next time round. Another reason which is more common is "I have no time". Many people, especially those who are working always say they do not have enough time. What more when they have to go all the way to an insurance company to make enquiries or purchases?Well, the good news is that all the hassles you have been dreading about no longer exist. Thanks to the efficiency of internet, you are now able to purchase travel insurance online. It is not only faster but also easier as you will only need to follow three simple steps. And you also pay less as there are no agents' fees involved. The first step is to choose the travel insurance company that you would like to obtain your travel insurance from. You will be able to search for them through various means such as newspaper, magazines, radio and, of course, via the internet. It is always wise to go for established and reliable companies. Usually, reliable companies can be identified through the number of years they have been established as well as from customers' feedbacks.The next step will be registration. You are required to fill in your details such as your choice of destination, the duration of your trip, your age and so on. Ensure that all information is correct as different dates, places and durations can affect the coverage of the travel insurance. Right after you have filled in all your particulars, you will immediately go to the next page where all the different types of packages offered are on display. At the same time they will also show policies that are most suitable for you. For instance, if you are going to a country which has a high risk sports which is usually not covered, this package will. Although the travel insurance policy seems to be the most suitable one for you, it is still safer to be sure of what you are paying for. Many times, people who are not careful got misled as they do not bother to read the small prints.

After you have chosen the package that is suited perfectly for you, simply make your purchase and there you are - fully covered and ever ready for your trip...! See how simple it is - no hassles at all...! Just follow these three simple steps to get your Travel Insurance. This is indeed the fastest and smartest way. Do not hesitate any longer and take your first step by clicking on this highly recommended and reliable site http://www.columbustravelinsurance.org

Why Travel Insurance is Important?

If you are making your travel budget, always include travel insurance so that you can truly enjoy your trip. Travel insurance is a very important because it protects travelers against unforeseen circumstances and emergencies that may occur while you are on trip. Travel insurance plan covers your following major risks- Trip Cancellation and Interruption- If your plans are altered in case of emergency and you must cancel your trip or give by finished before the time, travel insurance will covers your trip cost. Medical Coverage- Just imagine being affected with any serious illness or accident could lead to you paying out thousands of rupees for medical care. If it occurs abroad, it will be in dollars or pounds. The plan covers your all kind of medical expenses while you are on traveling and saves you from huge financial loss. Loss of baggage and passport- It reimburse for damage or loss of checked baggage. It also provide expenses to obtain duplicate or new passport. It also provides services like emergency financial assistance, live customer support, medical transportation services. Theses services are very valuable when a crisis hit in a foreign countries, where you are unaware about the city for the nearest emergency facility. Travel insurance is a way to protect from all these risks. But, it's very important to know that the features of travel insurance that you are getting before going on trip to avoid compensate any unforeseen events. In case you are a frequent traveler, you have to buy a travel insurance policy which is specially made for the same purpose. There are many insurance companies available in the market that arrange travel insurance plans in a varieties at a very affordable cost. But, you have to select the right kind of plan as per your wish. Now days, many people have understood the importance of travel insurance in a better way, that's why they like to go with such a kind of insurance for safer journey.

Habib Antule is a financial advisor and consultant and have provided his expertise to many financial institutions for loans and insurance. One of which is a bit online financial player in the market " Apnapaisa.com.

Is There a Need For Travel Insurance?

We have often heard remarks about the consequences of traveling without travel insurance yet we still hesitate when it comes to obtaining a policy. One may feel that enough money has been spent on all the expenses for an overseas trip and it is unnecessary to incur further expenses, especially on travel insurance when the likelihood of any bad happenings is almost zero. Now, let us look at the whole scenario from a different perspective. Since you have already spent a hefty sum on air fares, hotel reservations and going to spend even more during your trip, why not allocate a little extra for travel insurance in return for a worry-free holiday and a peaceful mind?The main advantage of having travel insurance is that in the event of any unexpected happenings, you will get your money back. Whether you become sick or some mishap happens to the airlines, as long as you are unable to travel, insurance guarantees refund of your money. Otherwise you will lose the amount of money spent on the flight ticket. This is one good point of travel insurance prior to departure. With all the uncertainties in the world today, you will never know what is going to happen next.What if your luggage is lost during your flight? If the airline is able to find back your luggage then everything is fine but what if your luggage is returned to you but certain items have been removed or stolen. Or perhaps your luggage is lost forever. Then what is going to happen? As long as you have a travel insurance policy, you can be rest assured that whatever items that are lost or stolen will be replaced accordingly. This is the reason why insurance can be so appealing for travelers. It protects the assured parties from any unforeseen happenings that may happen before and during your trip.If you were to decide in obtaining insurance, it is advisable for you to check out the different insurance packages from several travel insurance companies. This is because you will want to get the best value for your money. Ensure that you select established and reliable companies with good customer services. And you may wish to consider a long term insurance coverage if you travel often. This helps to eliminate the hassle of purchasing insurance each time you need to travel. It is imperative that you know exactly what your travel insurance policy covers. If you are unsure of any terms and conditions in the policy, remember to ask for clarifications.

Last of all, remember to read the fine prints and do not leave any doubts to assumption. Now that you know the importance of travel insurance, you must never plan a trip without it. It goes hand in hand with the trip itself. In other words, make travel insurance your compulsory companion whenever you travel. Think of Travel Insurance whenever you think of planning a trip. Check out this site http://www.columbustravelinsurance.org if you need further information or wish to purchase travel insurance.

Compare Travel Insurance

Having travel insurance is a very essential, it gives complete peace of mind while you are on traveling away from home. Because, it covers your entire trip against unfortunate events and save you from huge financial loss. But, shopping for travel insurance can be daunting task for many peoples. With so many choices, how you can decide which plan is best suited for you? But, comparing a few important factors, you can choose travel insurance easily. Today, you will find out various travel insurance policies available in the market by leading insurance provider. Visiting to each providers office or making phone calls to get details can be lengthy process, but it's not enough to have a suitable travel insurance. On the internet, there are various travel insurance comparison sites available for your convenience. You can compare each policy and get the information you need to purchase travel insurance. This process is very quick and easy way to view the best deals of the market. Such a comparison tools shows only those plans that suits to your needs. On the basis of result, you can easily find out travel insurance which is the cheapest and best in coverage. Taking overview of travel insurance coverage is a very important for getting the value of your money. You should consider the following important coverage and their limit while you are comparing travel insurance. - Flight Cancellation and Interruption - Trip/Cruise cost - Passport Loss - Baggage Loss or Delay - Medical Expenses - Medical Evacuation/Repatriation - Accidental Death Benefit Group travel insurance plan is always better than travel insurance by own, because it's very cheap. If your group is consists of 10 members or more and travelling to the same direction, then getting a group travel insurance is a very finest and effective choice. Travel insurance is not costly, but getting proper coverage is very important.

Habib Antule is a financial advisor and consultant and have provided his expertise to many financial institutions for loans and insurance.One of which is a bit online financial player in the market " Apnapaisa.com.

Few Points In Getting A Cheap Worldwide Travel Insurance... Starting Now!

Traveling with love ones, families, and friends can be so expensive. Another expense that you could do without is travel insurance. Many people says that obtaining a travel insurance is time consuming, but you don't have to waste your precious time to find a Cheap worldwide travel insurance.Cheap worldwide travel insurance is a good move if ever you have decided to go abroad. This would give you great peace of mind during the trip; unmindful of the unplanned expenses that might occur while on the trip. This would give you enough protection from those unwanted bill that you might not like.Purchasing a cover from your travel agent is the easiest way to get travel insurance but probably not the best. Some travel companies free cheap cover but it's unlikely that the insurance really is free, as the cost is generally built into the price of the holiday.If you purchase travel insurance when you book your holiday, it means that if you fall ill or have an accident and have to cancel your trip as a result, your travel insurance will cover you. Just remember a few points to find the right travel insurance that fits on your budget.Level of coverage. Think where are you going and what kind of travel do you want. This will greatly affect your insurance quote. If you're going to rent a car on your travel, this means that the coverage of your travel insurance is much higher. Many people start looking for a travel insurance quote, without really knowing what they need insurance for. If you look in detail at what you expect to be doing on your holiday travel, then you will have a firm idea of what level of cover you need before you start searching for quotes.Some companies also give a package deal to travelers that travel a lot like planning to go away more than twice a month. This deal can cover all your travel in just on cheap worldwide travel insurance package.Search an insurance quote. Once you have established the needs in your travel insurance, you should have no problems in finding the right company that can provide it. Just show them what you want and they will give you instant cheap worldwide travel insurance quote. Compare all the quotes you get from different insurance companies to get the cheaper travel insurance that fits your needs.Remember these points in finding your travel insurance and you should be able to find a good deal in a shot span of time. Preparation is the key to success. However, internet is now very useful to find these services. Here are numerous online travel insurance companies that offer cheap services that suit your needs and budget.Since these companies are competing with one another, they are offering lowered price so you can be able to find the most appropriate cheap insurance you can get. It's easy, safe and secure to buy your travel insurance online since it offers secure online purchasing longer than most companies have been trading. You are only one click away from saving on your travel insurance. Whether you travel on business or on holiday, click and enter the most popular travel insurance web sites today.

Travel Insurance for Elders and Foreign

If you are over the age, sixty-five you may not find travelers insurance easily. However, if you do find coverage the premiums will involve more costs since risks are involved. Still, there are companies that will insure the elderly and will provide senior citizen discounts. Some policies will even insure individuals over the age seventy-five. However, the companies will consider cost of medical treatment, age, and other factors when considering the customer.If you are traveling to the foreign regions then different policies are needed, since risks are also involved and are often higher than common travel.Voyagers that take travel the European Economic Area are advised to apply for the E111 Forms. The forms "entitle most UK residents to free, or reduced-cost emergency medical treatment." Note that the policies differ from the standard Travel Insurance. The Form provides coverage only to travelers exploring the UK and European country. The E111 is an "EC Document" that enables the policyholder to seek treatment if he becomes ill. Since some areas, overseas offer free medical coverage the E111 is merely a backup plan.If you travel and join activities that include Backpacking, you may want to consider Backpacker Travel Insurance, which covers students that travel abroad. The group insurance plans, such as the annual, single or multi-trip plans will only cover travelers up to "90-days." Backpacker's Travel Insurance is dissimilar, in that it covers explorers over an extended time, especially if they travel to various continents. Not all countries are covered by the Backpacker Coverage plans, therefore, be sure to tell your agent which country you are visiting.If you apply for Travelers Insurance make, sure you read all the information provided carefully. If it should come a time you need to file a complaint against the company for negligence then you will need to know the steps to take to continue the procedure. If you are not happy with the company, then you will need to write letters to the company stating your complaint. If the company fails to reply then you will need to contact the proper authorities. The letter should cover all grounds.Another issue you want to consider when taking out Travel Insurance while traveling abroad is the unfortunately Terrorist Attacks. This is a realistic concern when traveling, however many Travel Insurance companies will not cover the loss, damage, medical, or other related subjects pertaining to an attack. Standard policies may cover cancellations, missed departures, repatriation, and other costs when traveling, however, the policies may not include the fees from attacks, thus make sure you review the exclusions, restrictions and other details in the policy. If this ever occurs while you are traveling (I pray it never does) then you want to learn all you can about services and support groups available that will assist you even if your insurance company will not. Students often go abroad to study the countries, therefore these persons will need all the coverage they need while traveling.Travel Insurance Polices were designed to cover anyone that is traveling in the country our outside the country. Travel Insurance Companies will offer Extended Group Plans, Golf Travel Insurance, Backpackers Insurance, Single Polices, Multi-trip polices, Annual Polices and so forth. It makes sense to know what you need before applying for coverage, since the needs factor into the premiums and insurance costs. As for senior citizens, you should never assume that no one would provide you the protection you deserve. The Travel Insurance companies base their costs and decisions to cover on risks. Therefore, simply because you of at age that increases the risk does not mean no one will provide you traveling coverage.Finally, it makes sense to review your Life Insurance, Health Insurance, car insurance and other types of insurance before considering Travel Insurance. Thus, by reviewing the coverage you will know more of what you need. Car insurance will often cover accidents, including Third-party liabilities (full coverage only); therefore, it would not make sense to pay for extra insurance if you already have the coverage.Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you're looking for!Also you can check out Gabae Insurance Articles to find the articles you're looking for!

Don't Let the Unexpected Ruin Your Vacation - Get Travel Insurance

Traveling can be very expensive. Most people plan their trips well in advance and save money to make the most of their trip. However, a vacation can be ruined in an instant by the unexpected. If a member of the family becomes ill, a sudden storm makes your tropical vacation impossible or there's an unexpected heat wave during your planned ski vacation, your trip may be ruined. Travel insurance can give you peace of mind that all your efforts will not be wasted.Travel insurance covers a variety of expenses to save you from wasting the money you invested. Travel insurance covers trip cancellations and interruptions. Travel insurance can also provide you with medical coverage in case of an accident or unexpected illness. Damage to checked luggage is also covered with travel insurance. There's no faster way to ruin a vacation by arriving only to find the airline lost your luggage entirely. Travel insurance will cover that loss so you can continue enjoying your getaway.With the recent storm activity that has devastated popular vacation spots around the world, emergency evacuation is a concern. This can sorely strain a tight budget but travel insurance will cover those costs. Travel insurance will also often cover theft or vandalism that may occur. Leaving your hotel only to come back to find your valuables are gone can put a damper on any vacation. Travel insurance will give you the confidence that unexpected emergencies will not ruin the trip you've been planning and saving for.The type and amount of travel insurance you will need depends on the length of stay and your location. You may not need travel insurance to cover terrorist activities when going to Florida but it may be a wise investment if you are exploring the pyramids of Egypt. Check online to compare travel insurance costs and coverage. Also, your travel agent will be able to give you valuable advice on travel insurance including which travel insurance is most popular for your type of trip. Check your credit cards as well to see if they offer travel insurance. Many major credit cards offer reduced rate travel insurance to their members.Travel insurance is not expensive, especially compared to the cost of most vacations. You can often choose travel insurance to suit your particular needs or get all included travel insurance packages. The prices for each vary so research what your needs are and only buy the amount of travel insurance that will be necessary to cover unexpected emergencies that may occur. Do not overbuy travel insurance because it will be a waste of money.Travel insurance can bring peace of mind to the vacationer. After saving for your trip and planning your dream vacation, you don't want to lose your investment because of an emergency that's beyond your control. Losing your belonging either by theft or accidental loss can put stress on an otherwise relaxing trip. Travel insurance will let you continue to enjoy your getaway and cover you for those unexpected problems that always occur at the most inconvenient times.Kevin HansenHe has been a successful online business owner since 2003. He is also owner of http://www.ezymoneyathome.com, http://www.sheetmusicweb.com, and http://www.travelinsurancedot.com

Check Your Travel Insurance With Worldwide Coverage

Available are overseas health and foreign travel insurance with worldwide coverage. Provides international health and life insurance products designed to meet the needs of those that travel or live outside their country of citizenship. Check your health insurance policy if you plan to travel in a foreign country. Having Health and Travel Insurance is a condition of enrolment and this premium will automatically be charged to your student fees account. Mondial product range has now expanded to include automotive assistance, travel insurance, medical assistance and overseas student health cover. These days, when you are traveling internationally on a vacation or for business travel, you need international travel health insurance. With international health insurance and travel insurance - you can go with confidence. International travel medical and health insurance, featuring trip cancellation travel insurance online. In addition, while many travelers have health insurance, it sometimes does not cover them outside of their network or outside of the United States. international travel insurance, immigrant, nanny, J visa, health insurance. citizens.BuyHealthPlan.com - Portal for international life and health insurance for expatriates and travellers. If you won't have any health coverage while you're traveling, you might want to look for a travel insurance policy that includes medical coverage. BenefitHouse.com provides a free quoting service for affordable travel insurance, international health insurance trip cancellation insurance and annual travel insurance. Also known as holiday insurance, travel medical insurance and travel health insurance. TFG Global Travel Insurance can even supply online international health insurance for expatriates and some local nationals where conditions permit. These forms must be completed before you travel in order to be covered by the insurance policy. In some cases, it might be your best option to purchase a trip cancellation waiver and a third party travel insurance policy. Finally, if you and/or your family travel often, ask your insurance company about an annual policy. Click here to view a specimen of the travel insurance policy. At InsureMyTrip.com, you can compare each policy and get the information you need to purchase travel insurance with confidence. At InsureMyTrip.ca, you can compare each policy and get the information you need to purchase travel insurance with confidence. It is advisable to always ensure you have a comprehensive travel insurance policy which covers you for repatriation to your home country. You can compare each policy giving you the information you need to make an informed decision about your travel insurance needs. He permitted his 12-month travel insurance policy to expire just a few days before his departure for home. Travel insurance policies may be purchased for individual trips or as an annual policy for all trips taken in the year of insurance. At the very least, you will probably discover that specialist travel insurance is better value than topping up a standard policy with extra cover. The cost of travel insurance varies from company and policy to policy. If you think your travel plans can change, then consider a travel insurance policy that meets your needs. Again, most standard accident, disability or life insurance policies cover these accidents, which rarely happen during travel. Make sure you get travel insurance that can cover you for all your gap year adventures. When you're traveling, after all, it helps to cover yourself with some worldwide travel insurance. Choose from individual, individual & partner or family holiday travel insurance cover. Most travel insurance plans include emergency evacuation, assistance, baggage, trip interruption coverage, optional hazardous sports cover and much more. Tell me about the Worldcare travel cover Travel insurance provides you with security and protection whilst you are travelling domestically or internationally. Always check the details of the insurance cover before you travel. Watch out for travel insurance companies that include non-essential benefits as part of their cover - for example, a travel advice line. You can buy supplemental medical insurance, baggage insurance and policies that cover money lost if a travel vendor defaults. Quality cover at amazing pricesSecure and easy to use online travel insurance cover. Instant quote and cover for single trip, backpacker and annual travel insurance policies. If you are willing to assume a financial risk (the cost of your trip), you can probably forego insurance for your domestic travel. Annual travel insurance Multi trip insurance for every holiday you plan over the next 12 months. You can buy the best in single and multi-trip travel medical insurance, trip cancellation and vacation insurance online. It dynamically changes the order of plans based on comparison of your trip insurance needs with the needs of thousands of other travelers. Whether searching for single trip, annual or specialist cheap travel insurance UK, all needs are catered for. Travel InsuranceSingle trip travel insurance, annual travel insurance and winter sports travel insurance - available to buy online now. Enjoy peace of mind on your vacation with budget single trip or cheap annual travel insurance! Arranging comprehensive travel insurance is an essential element in the planning of your trip. Since 9/11, many are looking to travel insurance to safeguard their trip against any unforeseen terrorist attacks at their destination. http://www.insurance-health-quote.com/travel-insurance/

A Guide to Buying and Using Travel Insurance

Is Travel Insurance Really Necessary?Travel is already expensive enough, isn't it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don't know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it's not really needed?My personal answer is, of course, that I am not independently wealthy and can't withstand the potential financial losses I would incur if I require medical care while I'm traveling. Not being independently wealthy also means that I'm in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance. If you're still not sure about that, consider the following.Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased travel insurance. In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance.This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won't break your budget. You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card. If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of travel insurance. However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the travel insurance coverage you need. How Much Can You Expect To Pay?When I bought my first plane ticket to China a few years ago it cost around $2000 round-trip, and my travel insurance cost me over $500 because I didn't shop around for cheap travel insurance online.A few years later, a little bit older and wiser, and my travel insurance for another trip to China cost me much less--about $300 for roughly the same coverage. The difference? Before buying my travel insurance for the second trip, I shopped around online and got the coverage I needed, at the right price. If I'd have purchased my travel insurance for this latest trip from my travel agent, it would've cost me about $600 for the trip, and my plane tickets only cost $1,500! Not exactly the smart way to go.So how much will it cost you? Not as much money as it will cost you if you get sick or injured abroad and you don't have any travel insurance coverage! That's the obvious answer to the question.In fact, how much travel insurance costs will depend on your age and the type of coverage you choose. Basic policies cost as little as $5.50 USD per $1000 of coverage. On the other hand, you can expect a full coverage policy to cost you from 7 to 10% of the cost of your trip, depending on your age. The older you are, the more you will pay. No matter what the cost of the policy, however, it's sure to be much less than the cost of medical evacuation!The good news is that you can easily, conveniently and quickly research and locate excellent but cheap online travel insurance and reduce the costs while making an informed purchase. This is much better than taking what you are offered at the travel agency because you can choose from hundreds of travel insurance companies and polices and save yourself a lot of money in the process. One place you can start your search is at Travel Insurance Central, http://www.travel-insurance-central.com What You Should Consider When Buying Travel InsuranceTo assist you in your research, here are some suggestions to help you make an informed purchase. 1. Consider the worst-case scenario. If you can financially withstand the worst-case scenario then maybe you don't need travel insurance or maybe you don't need a comprehensive policy. 2. Make sure the policy you are considering provides adequate medical/dental coverage, including medical evacuation coverage just in case you need medical care in a place where the best treatment available is below the standards you are accustomed to in your country. This can happen if you fall ill in a developing country or even on a cruise ship. 3. Check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage. 4. If you are a frequent traveler, you should consider annual or year-round travel insurance policies. Sometimes they are called multi-trip travel insurance policies. Whatever the name, these policies can be relatively cheap when compared to single-trip travel insurance policies. 5. Know what you are buying, so read the fine print. Make sure that you understand what the company considers to be a legitimate reason for cancellation or interruption. If the list is too restrictive, maybe you should consider another policy. 6. Don't restrict yourself to buying only from your travel agent. He/She will probably only have one company's product(s) available, and it's there for your convenience, but that convenience can be quite costly! 7. Ask lots of questions about the coverage. Play the "what if" game. Ask for clear explanations of terminology. Make sure that you and the travel insurance company are speaking the same language. 8. Don't buy the insurance through your transportation provider. If the airline goes bankrupt, how adequate will your insurance coverage be? Once You've Bought Your Travel InsuranceRemember that your travel insurance policy covers you between certain specific dates, so don't start your trip early or extend your trip without first changing the dates of coverage on your travel insurance policy. Of course, this might cost you extra, but that's cheaper than finding yourself without coverage when you need it the most.Also, it almost goes without saying that you should bring your travel insurance policy with you when you go abroad. You can't consult the policy if it's sitting on your desk at home. You should also carry your travel insurance company's toll-free assistance phone number and other contact information with you wherever you go. It does you no good if you get ill or hurt and the necessary policy information is sitting in your hotel room. It's also a good idea to bring your regular medical coverage cards and info with you.I hope these tips will help you by the best travel insurance for you. Then take your trip with the peace of mind that comes from knowing that you are insured by the right travel insurance policy at the right price. Bon voyage!John Bartanus is a writer, educator, and the publisher of informational websites like Travel Insurance Central (http://www.travel-insurance-central.com) and Best Tea 4U (http://www.best-tea-4u.com).

An Introduction to Travel Insurance For Students

If you're about to take the great leap into the unknown and study overseas for a time, one arrangement that shouldn't be overlooked is your insurance. Accidents do happen, and it's always better to be prepared, so that if something does go wrong, you come through it a bit easier.What cover do students normally need?The most important items to be covered for are medical expenses, dental emergencies, return flights home and personal liability. Other items that are also important are cover for your equipment (because if your laptop isn't covered it might be hard to study without one should it get stolen) and the cost to replace travel documents. As an Australian student travelling overseas which countries provide reciprocal health care? Some countries do have reciprocal health care with Australia, and these include: New Zealand The United Kingdom The Republic of Ireland Sweden The Netherlands Finland Italy Malta NorwayYou will need to show them your passport and Medicare card to receive health care, so make sure your Medicare card goes with you and is valid for the whole time you are away.For other countries, you will need to have travel insurance to cover medical costs, particularly if they are expensive, such as the USA, or below par, in which case you might need to be evacuated to another country to receive adequate care.What are the main considerations when buying student travel insuranceWhile the most obvious consideration may be budget, be careful not to choose the cheapest policy over the more comprehensive one.While the most obvious consideration may be budget, be careful not to choose the cheapest policy over the more comprehensive one.First, make sure that you have unlimited medical cover. This is important because medical bills can be a lot more expensive than you think, and unlimited cover means you are not stuck with bills that run into the tens of thousands (it's quite enough to have a student debt as it is, let alone medical bills on top!).Second, make sure that the personal liability in the policy is adequate. Some policies cap this at $1million, while others will offer up to $5million. This may or may not include legal fees, so be sure on this point also. Some policies will list legal fees as a separate item, and if this is the case, make sure they will cover at least $50,000.While it may not seem important at the time of signing up, it's good to check on the policy's cover for accidental death, repatriation of remains and permanent disability. One policy reviewed offered only $5000 for accidental death, which would hardly be enough for repatriation and funeral expenses. Another policy offered well over $75,000 for permanent disability and unlimited expenses for repatriation of remains. It's not nice to think about, but nonetheless it's an important point to consider.Your time overseas will no doubt be filled with plenty of good times you will remember for the rest of your life. But it pays to be secure in the knowledge that if something does go awry you are not working for the next 20 years to pay it off.

This article has been provided by Ian d. Jackson General Manager of Travel Insurance Direct. For more information on Students Travel Insurance & other travel cover products including International Travel Insurance & Cheap Travel Insurance simply click the links & visit the TID site.

Don't Risk It, Get the Protection and Security You Need With Travel Insurance

Let's face it, getting travel insurance can be a very overwhelming and tedious process, making it easy to put off and even forget entirely. But before you head off on your international adventure, you might want to consider getting coverage through some travel insurance, just to be on the safe side.With some luck, you'll be glad it's something you have and won't need to use. But we all know that in life things happen, so it's a good idea to find a travel insurance policy that fits your individual needs, travel agenda, and budget. Many travel agents and private companies offer travel insurance, and they have a wide variety of types and options to choice from.What does Travel Insurance cover?Basic coverage of travel insurance includes some financial losses while traveling, as well as limited medical expenses, including medical evacuation. The most common type of travel insurance is trip cancellation or trip delay insurance. This type of policy covers you and your travel companions in case you need to cancel, interrupt or delay your trip. However, the acceptable reasons for canceling or interrupting your trip will depend on the insurance policy, but most likely you'll be covered for the following reasons: Sudden business conflicts Change of mind Delay in processing your visa or passport Illness or injury Weather related issuesIn case your flight is canceled or delayed, travel insurance companies may provide additional coverage such as expenses that the airlines won't cover, like taxi fares to the hotel or meals during your wait at the airport.It's also a good idea to have a plan with medical coverage of up to $1,000,000 in the case you become ill, need medical assistance, or have a flight accident occur. It's also good to review the amount deductible by your insurance plan (this is the amount you'll need to come up with before the insurance company picks of the rest). Make sure it covers repatriation (evacuation to your home country, rather than the nearest regional medical facility); make sure that does not mean you will be sent to the country where you purchased your travel insurance plan either, but your home country. If you're planning a visit to multiple countries, make sure all the countries are included in the region covered by your insurance policy.To learn more about these types of coverage and more specialized coverage, read The Basics of Travel Insurance.To invest or not? How to make travel insurance work for me.Purchasing travel insurance is great for insuring your money, should any unforeseen events pop-up, especially if you invest large sums of money on extravagant travel packages. To determine whether you want to invest in travel insurance your not, ask yourself these questions: Did you invest a lot of money into your travel plans? Are you traveling overseas? Which regions or countries are you visiting and for how long? Are you planning on participating in any extreme sports? Can you afford the cost of your trip back home if any emergency arises? Will you be able to afford medical care if you or someone you are with gets sick and needs immediate medical attention? How old are you and how is your overall health? Do you have any pre-existing conditions that need regular, special attention?You can purchase your travel insurance for a single trip, multi-trip, or with an annual policy, all depending on how frequently you travel and the length of your trip. Comprehensive travel insurance can cost anywhere from 4% to 8% of the cost of your trip, depending on type of coverage, the length of the trip, the destination, and the age of the travelers. It is best to purchase your travel insurance between 7 to 21 days of purchasing your travel itinerary. Usually the maximum coverage period for insurance providers is for one year abroad.Go through the fine print on your policy and check whether you will have to pay on the spot and redeem the money later for any medical expenses, or will the insurance company pay providers directly. If you have to claim it later on, you will want to hang on to all documents.If you have a pre-existing medical condition, get an insurance policy that will specifically cover it. Also examine which adventure sports and activities the plan does and does not cover (rarely does it include scuba diving and hang gliding). Lastly, for your benefit, a policy that is flexible and can be extended while you're already away is recommended. You never know whom you'll meet, and you just might want to extend your trip.Another good tip would be to get in touch with your credit card issuer before investing in travel insurance. At http://www.creditcards.com/, a credit card information site, suggests calling your credit card issuer to see if you have any free travel benefits that you may not be aware of, for example, insurance on lost or damaged luggage. However, according to USTIA, canceling a trip at the last minute and being reimbursed by your credit card company is the most common misconceptions among travelers. And sometimes credit card companies have limitations on only cover up to 3 months of travel. It's worth investigating.Lastly, if you have existing health coverage, it would be wise to get in touch with them before hand, especially if you will need vaccinations and other medicine for your trip. Depending on your health insurance plan, ask for a 'travel packet' and they will send you important information regarding your coverage, if any, while abroad. It might turn out you might already be covered for somethings, but not for others.Where can I purchase Travel Insurance?There are many sites and companies offering travel insurance online. Among them are leading companies such as World Nomads, Travel Guard, and InsureMyTrip, just to name a few. A new online resource called Squaremouth, helps travelers easily and instantly compare all the major travel insurance plans at one site. You'll be able to get immediate quotes from several major, reputable travel insurance providers and compare policies and their prices. It's a good starting point and one that you can trust.Helpful Tips for once you've purchased your Travel Insurance: Scan your insurance policy electronically and save it somewhere securely online Make one copy for yourself to bring on your trip Make another copy for a trusted family member to keep at home Have the emergency hotline number accessible during your trip, but make sure you try it out before leaving home to ensure its operating and correct List out any medications you are taking (including vaccinations for your trip), and a list of allergies you have; keep this with your insurance emergency number Keep all receipts at home Review all the fine print in your insurance policy and determine which adventures you will be taking and which risks might not be worth itFinally, get ready for a trip of a lifetime! Hopefully you'll avoid ever using your insurance plan, but it will give you and your loved ones more security knowing you're protected.

Meghana Kamdar writes articles to inspire travel and offer practical travel advice. For the latest in travel requirements and travel health, please visit OneEasyVisa

A short guide to travel insurance

Travel Insurance - A Need to Know guide?Travel insurance protects holiday expenses against adverse events such as cancellation and interruption and also reimburses medical expenses, the loss or damage of property and transit delays. Many millions of travellers and holiday makers purchase some form of insurance every year, but few people know really what it is and how it can be defined. If you know what is included, and what is not you will be able to make the most of your protection, and get reimbursed fairly.There are four main categories of travel insurance:1.Health and Medical reasonsEmergency evacuation: This garuantees emergency transportation to either a local hospital in the event that the traveller is unable to get there by themselves or back to a hospital near the traveller's home town. If family members are covered on the same policy they can travel back home also. Medical reasons: This reimburses emergency medical and dental costs. Nearly all holiday insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 - 10 working days. Pre-existing medical conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveller made the first payment or deposit.2.Delays and cancellation or curtailmentCancellation: Re-imbursement comes into effect if travellers have booked and paid for a holiday, but are unable to embark because of personal illness or injury, death (of the individual or of a family member), adverse weather conditions, transport strikes, terrorism, bankruptcy, sudden unemployment, jury duty or by sustaining serious damage to their home causing it to be uninhabitable due to fire or flooding. Delay: This reimburses travellers for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up with a cruise should another delay cause the traveller to miss embarkation.Interruption: Insurance companies pay money to policy holders abroad if they have to cut short their trip due to illness, death (of the traveller or a family member), terrorism, weather, airline strikes, bankruptcy, sudden unemployment, and other adverse conditions which mean that, due to events outside the control of the holiday-maker, a trip has to be curtailed. 3.Death:Accidental death - covers death or dismemberment at any time of your trip. Usually garuantees the lowest amount of coverage due to a higher riskAir Flight accident - this covers death or dismemberment during an air flight only. Usually garuantees the highest amount of coverage due to fairly low likelihood of this occurring.Common carrier - Covers death or dismemberment while travelling on public transport such as a plane, ferry, train bus or taxi.4.Loss or damage of property: Baggage loss - reimburses travellers for lost, stolen or damaged personal items. This coverage is usually restricted to the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for - such as precious jewellery, laptops and sporting goodsHire Car damage - This reimburses travellers for damage or loss to a rental vehicle. It is designed to allow the traveller to decline collision damage waiver (CDW) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often matches the coverage provided in the policy.Assistance services - garuantees a 24-hour collect telephone advice and assistance service to travellers. This service can be used anytime a traveller needs advice. Make sure you keep a copy of this number in several places in your luggage or on your person when you move around.

Travel Insurance Tips

Its often an after thought when booking a trip but good TravelInsurance can be a life saver if things go wrong, especially ifyou're thousands of miles away from home.At the very least a good travel insurance policy buys you alittle extra peace of mind. Or is it a false sense of security?With travel insurance companies estimating that up to 10% ofclaims are fraudulent, how can you be sure that any legitimateclaim you make gets paid?TIP 1 - Take a good look before you buyYou might assume that there's little difference between mosttravel insurance policies. In reality, the quality of cover andexcesses you'll have to pay can vary substantially. This mightnot be a concern now but will be crucial should you make a claim.Many disputes arise because people think they're covered butdiscover too late that they're never were. So before you simply opt for the cheapest premium, take a closerlook and check that you're comparing like with like. Inparticular, be sure to look at:*The excess: confirm how much of any claim you would have topay. If the excess is 50 per item that means you have to paythe first 50 of any claim for each item you are claiming for.*The maximum you claim for individual items.*What you're not covered for such as pre-existing medicalconditions.*The level of medical protection you have, particularly incountries like the USA where medical costs can be higher.*If you're covered for lost or stolen cash and how much.*If loss is covered as well as theft.*If 24-hour emergency assistance is included or optional.A comprehensive list of insurers can be found in the Travel Insurance Index.TIP 2 - Take a copy policy document with youA good travel insurance policy document will confirm theprocedures to follow in the event of a claim, what you arecovered for and who to call in an emergency.TIP 3 - Disclose any medical conditionsLike any insurance policy, travel insurance is a contractbetween you and the insurer based upon "utmost good faith". Thisrequires you to disclose anything that may affect the acceptanceor terms of a policy, any exclusions or its price.When completing the application form, be open and honest aboutyour medical history and any activities you're likely to takepart in, whether you think they're risky or not. If in doubtdeclare it anyway and if possible keep a copy of the form.TIP 4 - Document your valuable possessionsTake photo's and keep receipts for expensive items such asjewellery, cameras and designer clothing which you plan to takewith you on holiday.TIP 5 - Report thefts or losses immediatelyAny losses or thefts should be reported immediately to the localpolice. Get an accident report number or similar documentaryproof that you've officially reported the loss and if you're ona package holiday, again quickly report the situation to thehotel or travel company rep.If your bag is lost, stolen or damaged at the airport, report itimmediately and get a receipt from the airline or baggagehandler.TIP 6 - Be prepared for medical claimsPrevious E111 forms have now been replaced by the EuropeanHealth Insurance Card which entitles the holder to free medicaltreatment within Europe equivalent to that available on the NHS.Application forms are available from Post Offices and should besubmitted at least ten days before you travel. Before you leave check your policy document or contact theinsurer to confirm what precise steps your insurance companyrequires you to take in a medical emergency. TIP 7 - When you get homeIf you intend to make a claim, check the small print and contactyour insurer. Gather and submit all supporting documentation viarecorded delivery (keeping copies for yourself) as evidence ofyour claim. Submit receipts, photographs and copies of anypolice or medical reports you have received.Makes sure you keep copies all correspondence and make detailedrecords of every phone call, including the name of the personyou spoke with and the time of your call.TIP 8 - If your claim is refused?Your claim could be rejected for many reasons. For example mostpolicies won't cover alcohol-related incidents and like allinsurance you must take 'reasonable' care of your belongings.The first step is to appeal against the decision providingdetailed and specific points for your arguement backed up by anyadditional evidence. If you feel you have been poorly treatedyou can refer your case to the Financial Ombudsman Service whowill assess your claim independently.