subject: Additional Policies For Your Insurance [print this page] Apart from all the other things you need to prepare for your trip make a quick dash to your insurance agency as they can help you make sure you are secured for your tri. Getting the appropriate insurance for your trip will allow you to get the right security financially. There are three insurance policies that are the most basic which people avail of such as health and accident policies, personal auto policies and homeowner's or tenant's policies.
Also, travelers can avail of more coverage such as personal property floaters, trip accident and trip baggage insurance, special life insurance and charter flight protection. Getting the accident and health insurance will get your coverage even when you are travelling. Due to the many medical facilities in the US that honor domestic insurance policies many patients need not pay right away the hospital.
To expedite medical claims, policyholders should carry their insurance identification card and the telephone number to call to verify coverage. Most of the time, hospitals abroad require full payment before a patient is discharged even if they are covered by insurance. What is important is that you still have your receipts so that you can easily claim for reimbursement.
For travelers without medical insurance policies, there exist short term accidental injury policies that also provide a small hospital indemnity for illness, typically $30 a day. What compliments the short term accidental injury policy is the trip accident policy that many will be interested in.
Another thing a traveler can avail of is the short term accidental death policies. They provide high benefits for the duration of the flight, at relatively low cost and can be purchased at airports.
There are certain card companies that give their clients a $150,000 in accidental death insurance for $3 when they purchase their tickets using the credit card. There are also short term policies pertaining to the security of luggage and are also available at airports.
A trip baggage policy help a person get coverage from the start of the trip all the way to the end of it. Airline companies reimburse clients when their belongings get lost while in transit.
According to the Fireman's Fund one is able to receive about $1,000 under the homeowner's and tenant's policies if a loss like this happens to them. Items that are expensive can be protected and secured with the Personal article floaters which holders can dictate the coverage amount of.
The charter fare protection is also another insurance that provides financial protection for missed charter flights. Cancellation could mean loss of the deposit.
The extent to insurance coverage at time includes the accommodation as well. If you choose to drive to your destination you might need the automobile insurance policy.
Each state will have its own amount for personal injury and property damage as a result of accidents. Many auto policies now automatically extend coverage to meet the requirements of various states including those with no fault insurance. Yet, some states require more hence you might need to get additional coverage to be on the safe side.
by: John Chambers
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