Summer Travel Season Preparations
With the commencement of the summer travel season
, a lot of travelers are thinking about protecting themselves, their family, and their vacation investment. Do consider travel insurance if you are in the middle of planning a trip that involves a sizable financial outlay. What can be covered in this case are missed flights, bungled connections, and illness. You can consider this as a safeguard for financial loss which can be used should there be cancelled trips, delays, or interruptions.What most travel policies include are sickness, baggage loss and flight insurance, accident, and financial protection in the event of trip interruption and delay even if these vary. The best policies also come with medical evacuation, a feature rarely offered by conventional health insurance plans. What justifies the cost is the usage of one or more airplanes or helicopters to retrieve the sick traveler.
In this case, trip cancellation is the most likely occurrence and usually because of illness, accident, or weather. Trip interruption also is a possible scenario, usually because a traveler must cut short a trip to go home. The cost of travel insurance varies but figure around 5 to 7 percent of the trip cost per person. When it comes to a $3,000 per person trip, an additional $150 or $210 may be included.
It is important that you consider one with a 24 hour hot line providing international access as this is essential for medical emergencies when shopping for travel insurance policies. Be sure to check the US State Department's Bureau of Consular Affairs, Superintendent of Documents, US Government Printing Office, Washington, DC before traveling abroad. In this case, you can gain information on crime, medical care, drug supplies, and on areas prone to natural disasters and political instability from them.
When it comes to robberies abroad, most US Embassies and Consulates maintain 24 hour operators or answering services to assist Americans in difficulty. They could be of great help when it comes to dealing with local police, expediting the replacement of a stolen passport, canceling stolen credit cards, and assisting with language problems. They are also capable of working to direct travelers to the right source for replacing airline tickets, provide a list of English speaking lawyers, and instruct travelers on getting money transferred.
For lost passports, they often can provide temporary identification. Because of security reasons, the situation changed but passports normally could be replaced within 24 hours. When Americans lose their passports, new passports with computer generated digital photographs will be issued to them.
In this case, travelers should consider packing a notarized copy of a birth certificate, a copy of the information pages of the passport, and two passport size photos separately from the passport. You can expect a speedy process in this case if the actual passport is stolen. In this case, the State Department advises travelers to also bring along photocopies of credit cards, airline tickets, and drivers' licenses and leave a second set of photocopies behind with a friend or family member.
If you need to file claims when you get home, you should have a copy of the police report. It will be wise for a traveler exposed to political instability abroad to contact the nearest US Embassy or Consulate for advice. Tips and advice on foreign travel when it comes to street safety, driving, and terrorism are available from the State Department's publication. The State Department can provide you with a copy or you can read about it at the State Department's Web site.
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