Travel insurance may be offered to you at the time of your travel. Some people will turn it down because they are not sure what it is for. The insurance policy is for covering losses of money for non refundable payments made as well as for medical expenses. Travel insurance is for both domestic and international travelers.
Travel insurance can be purchased to cover your trips exact duration or you can get a more extensive continuous policy from your travel agent, travel insurance company, or travel supplier such as a cruise line or tour operator. Be careful when purchasing a policy through a travel supplier as their policies are less inclusive than the ones from the travel insurance company.
Any type of traveler may purchase the insurance including but not limited to the business traveler, adventure traveler, student traveler and the international traveler. There are many features that can be included in the policies to create the right one for your needs.
Some of the more common coverage items in the travel insurance policy are, medical expenses, injury or disablement benefits, accidental death, curtailment, legal assistance, liability for rental car damages, lost or delayed luggage to cover replacement of essential items, emergency evacuations, damage, theft, or loss of personal items such as money or travel documentation, trip cancellations, overseas funeral costs, and delayed trips.
The policies vary widely depending on travel insurance company and travel supplier. The policy can be customized to meet the traveler's needs and price. There are some companies that will offer insurance to cover any additional trip expenses that may arise.
For pre-existing medical conditions such as asthma or diabetes or high risk sports participation such as scuba diving, sky diving, mountain climbing or parasailing you can purchase a separate policy. You may need a separate policy for travel to high risk countries due to their war status, terrorism acts or even natural disasters.
On your basic travel insurance policy you can expect that certain things will be excluded from coverage. Pre-existing medical conditions, injury or illness that was caused by alcohol or drug use, and war and terrorism will most likely be excluded. You can purchase separate policies for war and terrorism from some insurance companies.
During the first trimester of pregnancy most insurance policies will cover the related expenses. Depending on the company the policy and their guidelines it can vary between trimesters as to what is covered and what is not.
Travel insurance offers services that operate 24 hours a day and 7 days a week. Emergency assistance and the concierge services are the most common to be used. You can expect to pay about 5-7% of your total trip cost for your travel insurance policy.
Travel insurance can be purchased to cover your trips exact duration or you can get a more extensive continuous policy from your travel agent, travel insurance company, or travel supplier such as a cruise line or tour operator. Be careful when purchasing a policy through a travel supplier as their policies are less inclusive than the ones from the travel insurance company.
Any type of traveler may purchase the insurance including but not limited to the business traveler, adventure traveler, student traveler and the international traveler. There are many features that can be included in the policies to create the right one for your needs.
Some of the more common coverage items in the travel insurance policy are, medical expenses, injury or disablement benefits, accidental death, curtailment, legal assistance, liability for rental car damages, lost or delayed luggage to cover replacement of essential items, emergency evacuations, damage, theft, or loss of personal items such as money or travel documentation, trip cancellations, overseas funeral costs, and delayed trips.
The policies vary widely depending on travel insurance company and travel supplier. The policy can be customized to meet the traveler's needs and price. There are some companies that will offer insurance to cover any additional trip expenses that may arise.
For pre-existing medical conditions such as asthma or diabetes or high risk sports participation such as scuba diving, sky diving, mountain climbing or parasailing you can purchase a separate policy. You may need a separate policy for travel to high risk countries due to their war status, terrorism acts or even natural disasters.
On your basic travel insurance policy you can expect that certain things will be excluded from coverage. Pre-existing medical conditions, injury or illness that was caused by alcohol or drug use, and war and terrorism will most likely be excluded. You can purchase separate policies for war and terrorism from some insurance companies.
During the first trimester of pregnancy most insurance policies will cover the related expenses. Depending on the company the policy and their guidelines it can vary between trimesters as to what is covered and what is not.
Travel insurance offers services that operate 24 hours a day and 7 days a week. Emergency assistance and the concierge services are the most common to be used. You can expect to pay about 5-7% of your total trip cost for your travel insurance policy.
About the Author:
Susan Reynolds is the webmaster for a leading South African Insurance Provider who specialises in Travel Insurance Policies.
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