subject: Want To Have No Worries? Get Travel Insurance [print this page] Everyone hopes his trip of a lifetime doesn't turn into a disaster, but life has a way of throwing curveballs. Travelers can minimize the damage of a last minute illness, lost baggage or a bankrupt cruise line by purchasing travel insurance. Considering that policies come with medical and dental emergencies not to mention medical evacuation, what these can do is provide the extra layers of security for overseas travelers.
Conducted by the US Travel Insurance Association was a study about how there are more American leisure travelers that buy travel insurance as they did before. You can say that about 70 percent of Americans who book cruises also buy travel insurance for the particular trips.
Considering those who get travel insurance, there is one out of every six individuals that end up filing a claim later on.
Before buying anything, you should consider the coverage being offered as well as the fine print because there a number of travel insurance policies that varies tremendously. The kinds of coverage especially for package travel insurance policies include coverage for lost or delayed baggage, medical or dental emergencies, trip cancellation, travel delays, or accidental death. On some occasions, medical evacuation coverage is obtained separately.
When it comes to flight insurance, compensation is provided if there is a case of death or injury during any commercial flight but this is often considered unnecessary. Involved here is a rather low risk and for any case of injury most people already have their medical or life insurance policies and if there is a case of death an accidental death policy can be used.
What you need to do is find some form of health care travel insurance to obtain because you will not be covered by Medicare and the majority of private health insurance policies if you incur any medical expenses while traveling outside of the United States. In addition, if you should become seriously ill, a medical evacuation can cost thousands of dollars.
If you decide to purchase travel insurance, select your policy carefully. When it comes to travel insurance, you can do a comparison with the help of several sites available online. For these websites, aside from dates you also need to enter trip costs, destinations, and age of travelers and this will help you get quotes and a list of the features and benefits that are being offered by the different policies. Older travelers in this case end up getting much higher quotes.
In the case of a pre existing medical condition, a person may have a more difficult time in obtaining the preferred coverage. Considering the trip of a 55 year old traveler booking a cruise to Alaska from California valued at $4,000, 31 package options ranging in price from $108 to $486 were delivered after a request for quotes from one of these comparison sites and this is about 2.7 percent to 12.2 percent of the cost of the trip.
For a couple who planned an Alaskan cruise, travel insurance proved valuable. What the wife experienced two weeks before departure was a sudden and painful case of shingles. Their consideration of purchasing the necessary insurance made it possible for the couple to cancel their cruise reservation as well as to reimburse the money they had paid in advance toward their trip. Nevertheless, there was still an inland flight they needed to pay for.
As the illness subsided, the insurance allowed them to resume their travel plans. Taking their trips of a lifetime is now possible with travel insurance as this allows people to be confident when traveling great distances.
by: aleengerri
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