subject: Travel Itineraries And Corresponding Insurance Coverage [print this page] More often than not, people do not take insurance coverage seriously when traveling, it is only at the flight coverage counters when they suddenly feel the need to get a policy, if they were headed to Paris for the summer they might have failed to make hotel bookings as well.
One insurance executive travels a lot and he strongly suggests that people check their insurance coverage while planning their itinerary, this will prevent major mishaps from happening during the trip.
After taking a seven week trip around the world, the executive cited this as an example. Before he got back, the itinerary included plane rides for the entire course of the trip, but in Malaya he had to take a car, he rode a train in India, and his travels to called for a boat ride.
Choosing to get flight insurance together with an additional accident and common carrier coverage, he and his family were covered for injuries or death when they traveled on the water and the ground.
Business and pleasure trips allowed him to gain much knowledge not only in the field of insurance but also when it comes to the possible obstacles travelers may face, he created a guide on how to plan trips in the hopes of helping other vacationers out.
In general, you need to go over everything, from auto insurance to your life plan, for you to know exactly where you stand and what it is that you need to obtain, he says. Especially, ascertain that all premiums are paid up until the time you are away to avoid cancellation of coverage.
As the head of the family, he says that you should make it a point to ascertain that even your personal health insurance can cover your entire family during the trip. For the usual vacation trips, he pointed out, health insurance covers the insured even out of the country.
If the trip will last for about 9 to 10 months, then it is important that the insurance providers be notified earlier. When a trip extends for so long, a policy may not be enough to protect a person all throughout.
A motorist is protected by his auto insurance policy may he be within the country or even if he is in Canada as several policies can extend service for as long as a policy identification card is brought along. They have different rules when it comes to impounding vehicles in Canada, to prevent more problems when you figure in an accident, bring along proof of insurance.
Incomplete services may apply when auto insurance is used in Mexico. Checking with the representatives from Mexican insurance companies is strongly advised for travelers by the Mexican government, these people can be found in the border towns.
As for driving around various cities in Europe, he pointed out that American automobile association members can arrange for coverage by a London firm at their local club before finally leaving home.
It is also possible to get coverage with the help of European car rental agencies. Recklessness is not welcome when you are in a foreign country, getting into an accident abroad can ruin your entire vacation, so to avoid a troublesome situation just drive safely when you get to Europe.
by: John Chambers
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