What Does Travel Insurance Cover?

[britny]

Hi

Travel insurance policies don’t all give exactly the same types of protection or cover the same events. Generally, however, they will offer the following basic benefits:

* Medical and health: This covers the costs of treatment and medical expenses for those that fall ill or have an accident.
* Loss and theft: This helps with costs if a holiday maker loses their luggage or personal possessions or has them stolen.
* Cancellation/curtailment: This can be useful if a holiday has to be canceled or cut short because of illness or bereavement.
* Travel delay: This can help if a journey is delayed or a connection missed.
* Public liability/legal costs: This is designed to help with costs if the holiday maker is sued for causing harm to others, for example, or incurs legal expenses in certain situations.

Many people will never need to make a claim on their travel insurance. Those that do encounter problems, however, may find a policy extremely useful.

Thanks

[dollyy]

Overseas medical/hospital expenses: The amount you are covered for can differ wildly depending on which policy you opt for. If you have a pre-existing condition, the company should be aware of it, or your cover may be void.

Overseas emergency medical assistance: As above, if travelling to countries with high healthcare costs, such as the USA, it's a good idea to have this one marked 'unlimited'.

Luggage/Personal Effects: Consider the figure given for this - if you are travelling with particularly expensive equipment, it should be covered. This also covers travel documents.

Accidental Death: Arguably benefiting your loved ones more than you, but worth considering.

Permanent Disability: Most policies cover this.

Delayed Luggage Allowance: If your clothes arrive a week after you, you might need some fresh ones.

Personal Liability: If you cause an accident, you'll need to pay damages.

Cash: Cover for money stolen from your person.

Cancellation Fees and Lost Deposits: If for any (good) reason you are forced to cancel or delay your trip, such as illness or poor weather.
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[kiddy]

The following areas are normally covered by travel insurance, but it's important to know to what extent.

o Overseas medical/hospital expenses: The amount you are covered for can differ wildly depending on which policy you opt for. If you have a pre-existing condition, the company should be aware of it, or your cover may be void.

o Overseas emergency medical assistance: As above, if travelling to countries with high health care costs, such as the USA, it's a good idea to have this one marked 'unlimited'.

o Luggage/Personal Effects: Consider the figure given for this - if you are travelling with particularly expensive equipment, it should be covered. This also covers travel documents.

o Accidental Death: Arguably benefiting your loved ones more than you, but worth considering.

o Permanent Disability: Most policies cover this.

o Delayed Luggage Allowance: If your clothes arrive a week after you, you might need some fresh ones.

[amanda]

Hi

Many people find it a pain buying insurance, but make sure you don't get caught out!

1. Ensure that if you're likely to do a dangerous activity, such as paragliding or scuba diving, that you check if you're covered for it - many insurance companies hate such activities as they cost them too much money.

2. Make sure that you have enough cover. Medical costs can be huge in certain countries, while budget insurance deals can leave you paying for half of your stolen camera despite being covered. If you're carrying a lot of expensive gear, make sure you're covered for all of it. Also, check what the excess is. If you have to pay $100 and your MP3 player that accidentally went scuba diving with you was five years old already, think twice.

3. Do you have existing medical conditions? You might not be covered - so own up before to make sure.

4. Other general exclusions include acts of war, loss of property due to extreme carelessness, or self-inflicted injury.

5. And finally, make sure you are covered for the full duration of your trip - a common error is to get international dates mixed up - just because your Sydney-bound flight leaves L.A. on the 14th, doesn't mean it's still the 14th when you arrive! Last minute bungles do happen!

Thanks

[jack02]

Hi

1) Overseas medical/hospital expenses: The amount you are covered for can differ wildly depending on which policy you opt for. If you have a pre-existing condition, the company should be aware of it, or your cover may be void.
2) Overseas emergency medical assistance: As above, if travelling to countries with high healthcare costs, such as the USA, it's a good idea to have this one marked 'unlimited'.
3) Luggage/Personal Effects: Consider the figure given for this - if you are travelling with particularly expensive equipment, it should be covered. This also covers travel documents.
4) Accidental Death: Arguably benefiting your loved ones more than you, but worth considering.
5) Permanent Disability: Most policies cover this.
6) Delayed Luggage Allowance: If your clothes arrive a week after you, you might need some fresh ones.
7) Personal Liability: If you cause an accident, you'll need to pay damages.
8) Cash: Cover for money stolen from your person.
9) Cancellation Fees and Lost Deposits: If for any (good) reason you are forced to cancel or delay your trip, such as illness or poor weather.
10) Alternative Transport Expenses: such as in the event of flight cancellation

Thanks

[jack06]

Hi

Travel insurance policies don’t all give exactly the same types of protection or cover the same events. Generally, however, they will offer the following basic benefits:
Medical and health: This covers the costs of treatment and medical expenses for those that fall ill or have an accident.
Loss and theft: This helps with costs if a holiday maker loses their luggage or personal possessions or has them stolen.
Cancellation/curtailment: This can be useful if a holiday has to be canceled or cut short because of illness or bereavement.
Travel delay: This can help if a journey is delayed or a connection missed.

Thanks

[cip4]

What a wonderful and fascinating subject and has a lot of wonderful information and beautiful

[charles21]

Hello,
Travel insurance will also help a lot if theft occurs. If you have high value items such as an MP3 player/iPod or a digital camera, for a relatively small upfront investment you will be secured that you won't have to save money to buy all your items again. With any policy, read the fine print and make sure your policy does not exclude some ‘high- risk' activities like scuba diving or bungee-jumping if these are things you are planning on doing.

Thanks

[jak2]

He was the subject of a wonderful and very special and deserves the participation and follow-up

[sihaimalan]

Hello,
Financial loss incurred if your trip or holiday is cancelled or delayed because of unavoidable circumstances.

Thanks

[ruby01]

Hi

* Medical and health: This covers the costs of treatment and medical expenses for those that fall ill or have an accident.
* Loss and theft: This helps with costs if a holiday maker loses their luggage or personal possessions or has them stolen.
* Cancellation/curtailment: This can be useful if a holiday has to be canceled or cut short because of illness or bereavement.

Thanks

[jak2]

It's a topic already wonderful and you deserve it

[robert01]

Hi


Medical and health: This covers the costs of treatment and medical expenses for those that fall ill or have an accident.
Loss and theft: This helps with costs if a holiday maker loses their luggage or personal possessions or has them stolen.
Cancellation/curtailment: This can be useful if a holiday has to be canceled or cut short because of illness or bereavement.
Travel delay: This can help if a journey is delayed or a connection missed.

Thanks

[smith41]

If you're about to head off traveling, whether it's a business trip, a beach bum holiday or a round-the-world no-holds-barred adventure, you need travel insurance. Anything can happen, and often does - looking at the annual statistics showing the thousands of travellers who get into sticky situations.

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[Martin95]

Well, before traveling anywhere, you need to make sure that all the required items are with you so that you may not get into difficulties.

[webmastermarry]

Travel insurance does not cover conditions or events that, on the date of purchase, are known to You. If something happens that was expected which results in a claim, your claim will not be paid. It's like wanting to buy Fire Insurance when your house is on fire.
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