subject: Travel Insurance In All Its Various Forms [print this page] When going for a holiday, you want to have no worries; you want it to be tension free. A world away from reality. But to achieve that kind of hassle-free, worry-less holiday, it is the most advisable to have travel insurance.
Make sure you specify to travel insurance companies exactly what kind of holiday you are planning to take, so they can suggest the ideal policy for you. For instance, if youre going to the beach and you intend to spend your entire vacation surfing, there may be a policy that has coverage over water-sports induced medical accidents. Travel insurance comes in many forms, whichever one you pick should be the one that is best for the kind of vacation you are going to go for
Basic Travel Insurance:
Basic travel insurance consists of the simplest policy that there is. It covers your medical insurance, flight cancellation or lost property; however it does so only for one trip. As with most insurance policies, the more premium you pay, the more coverage you get.
Multi-Trip Travel Insurance:
As the name suggests, multi-trip travel insurance applies for multiple vacations and holidays. Most insurance companies would have a limit on how many holidays you can go for in a year, or how long the holiday can be, but the insurance does stretch among quite a lot of trips
Long-Term Travel Insurance:
Long-term travel insurance is intended for people planning to travel for a very long period of time. If youre planning to take a journey for months or a few years, this would be the insurance policy for you. Some insurance companies even provide travel insurance for people who are planning to go abroad for a period of time for a job or project.
Medical Travel Insurance:
Medical travel insurance covers all your health problems during your vacations. From accidents to illnesses, this kind of insurance is the solution. While you will have to submit details of your pre-existing illnesses, if any, and mostly also do a medical test, do remember that this insurance will cover any ill health that occurs on a holiday.
Travel Insurance is a very important factor to consider before going for trips. Make sure you travel without any hassles and worries at the back of your mind. Travel insurance assures you that everything is going to be fine, and in the chance that something does go wrong, you always have a back-up plan.
by: Pranav V Sharma
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