Thursday, September 21, 2017

The Shocking Truth About Travel Insurance

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Travel Insurance

There is a variety of travel insurance that is available for you.  Here is a list of places you can obtain travel insurance:

1.  Personal insurance carrier

2.  Credit Card Company

3.  Travel Agency

Your personal insurance carrier, your credit card company, travel agents and specialists all offer different forms of travel insurance. Sometimes your auto or health insurance or your credits already cover travel insurance related to your vacation.

When should you buy insurance and which should you choose?

The 4 types of travel insurance are:

1.  Medical coverage

2. Medical evacuation

3.  Accidental

4.  Trip Protection

Medical coverage

For medical insurance, make sure you check their rules and conditions for age limits. Some insurance policies charge higher for seniors. The medical coverage includes medical and dental expenses incurred because of injury or illness.

 Medical evacuation

A medical evacuation, which covers your transportation to a hospital in case you are injured in a remote area and need a helicopter, is typically included your medical coverage. You may however choose to purchase on a stand-alone policy.

 Accidental

Meanwhile, an accidental death and dismemberment policy acts like any life insurance policy paying your beneficiary a certain amount in the event of death.

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Trip protection

It can be purchased for a single or annual multi-trip basis. This insurance has three main parts: cancellation coverage, delay coverage, and trip interruption protection.

The first one covers insurance—prepaid expenses will be reimbursed—in case you need to cancel your trip due to illness or if a family member is sick or dies. The second one deals with transportation delays. In the event that your flight is delayed due to snow, your prepaid hotel expenses are covered. The last type is used in the event that you get sick while away and you want an interruption policy.

The third type of insurance is the luggage or car rental protection. It covers your rental car in case of an accident and your baggage and personal items are lost, damaged, or stolen. Take note however that most policies of this type do not cover loss or damage in flight and too expensive items.

With this type of travel insurance, make sure you read the rules and conditions. Sometimes your personal auto insurance might cover such. Further, look for policies that offer not only monetary coverage but also travel assistance.

Buying Travel Insurance and Maximizing the Benefits

Once you know all the types of insurance offered and what you need, the next question is how to buy one that you can maximize the benefits.

You should determine all the rules and conditions that are covered in your current insurance policies and credit cards. Check strictly all your policies if they still cover foreign countries in the event that you are traveling abroad.

Make sure that your expenses are covered up front and you get reimbursed later. Be sure that you understand very well the deductible and coverage limits. In addition, beware of travel insurance bundled with your trip.  Most of the time, these are more expensive.   Talk to your travel agent and ask the right questions so they may better serve you.  A travel agent maybe able to negotiate a better deal with the supplier.

You should shop around and check and compare prices and coverage.

 Resources:

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