subject: Why A Traveler Must Get The Right Kind Of Protection [print this page] Include a check with your insurance agent among things to do when preparing for a trip at home or abroad since accidents do happen.
Travelers can protect themselves financially from possible hazards with the right kind of insurance from missed charter flights to lost luggage.
The fireman's fund insurance company said that many people have three sources in acquiring basic travel insurance coverage and they are from the health and accident policies, personal auto policies and homeowners or tenants policies.
Included in the specialized coverages that concerns travelers are personal property floaters, travel accident and travel luggage insurance, special life insurance and charter flight protection.
Accident and health insurance policies coverage is valid in any place. Many hospitals in America are honoring domestic insurance policies, if the policy is verified still available the patients will not have a requirement of paying medical bills early.
To rush medical claims, policyholders should have their insurance identification card present and so it the contact numbers for verification of the coverage.
Medical expenses incurred out of the country will be honored by US insurers, but there might still be payment for the medical facilities before the patient leaves.
The one who owns the policy should keep the receipts he incurred before he can claim his reimbursement from the insurance firm.
There are short term accidental injury policies for travelers without medical insurance that also provides about $30 a day for small hospital indemnity illness. There are obtainable travel accident policies for accident injuries coverage in a short term basis.
Policies that are immediate for accidental death are made especially for air travelers. For a reasonable amount, high benefits are offered while on the flight.
They are sold at airports. People using their American Express cards can automatically have $150,000 in accident death insurance for $3 because of an arrangement made by this American card company and as well as the fireman's fund.
Coverage safety on misplaced or damaged luggage for certain flights are sold in short terms in airports. Such protections are provided by baggage trip policies from the time you leave home until you get back.
Airlines and other public carriers usually will reimburse travelers for lost or damaged luggage. Valuable items such as jewelries and furs use personal article floaters for insuring, they are sold in stated amounts of coverage on all risk basis.
Another type of travelers' insurance is charter fare protection, offered by some companies to protect the financial interests of persons who pay in advance for charter flights but are not able to make the trip because of illness or other reasons.
Due to cancellation, you might find yourself no longer entitled to claiming back the deposit.
There are some companies that only cover for air fare protection alone, but there are some who provides protection on the entire cost which also includes fare and lodging.
Traveling by car means needing to read through your insurance policy first. The monetary coverage in the event of personal and property damage during an accident varies, depending on the state.
We can now see more and more car insurance policies extending to meet the standards of states even those without any fault insurance at all. But as always, exceptions abound so it is best to be armed with at least a short time additional coverage.
by: John Chambers
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