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Published: November 20, 2007
Having reliable travel insurance is essential for the regular traveler as well as the occasional traveler, such as the student on a field trip. Travel insurance provides some protection against accidents and other misfortunes that may happen during trips. Travel insurance covers the financial and medical expenses and other losses that may be incurred while traveling locally or internationally.
Travel insurance quotes are normally fixed during the booking of a trip to cover the exact duration of a trip. Travel agencies, travel suppliers and travel insurance companies also offer more comprehensive and long-term insurance quotes. Travel insurance providers offer coverage for different travelers. These include student travel, leisure tours, business trips, cruises and international travel.
Travel insurance quotes cover liabilities such as: cancellations, delayed departures, loss of personal property and money, delayed baggage and medical expenses. Other liabilities covered include: emergency evacuation/repatriation, overseas funeral costs, accidental death/disability benefits and legal expenses. Specific insurance is also available for other liabilities such as participating in high risk activities like skiing and scuba diving; traveling in high risk countries that may have wars, natural disasters and terrorism; and for travelers with medical conditions like diabetes and asthma.
The most common type of travel insurance is for trip cancellation. This provides coverage for non-refundable costs if a trip gets canceled or stopped due to unforeseen circumstances. Insurance for trip delays provides reimbursements for delayed trips. Policies for emergency medical evacuation provide coverage during times of medical emergencies while traveling that necessitates transportation to a hospital and other medical facilities. Travel insurance quotes for loss of baggage and personal property provides coverage for items that are damaged or lost and for delayed baggage.
Many travel providers feature their own travel insurance policy that may differ from that offered by others. A disadvantage of getting travel insurance from travel providers is that they do not provide coverage once the travel provider becomes bankrupt.
The cost of a travel insurance policy depends on the particular provider. The traveler should be wary of those companies who offer cheap travel insurance; they require travelers to pay up front only to reclaim the money later. The traveler who carries expensive items should be prepared to pay extra costs in order to decrease excess payments that may arise later. Cheap travel insurance also may not cover repatriation costs. This means that these policies do not cover expenses that may be incurred due to sudden repatriation caused by accidents. Repatriation costs also include flight costs as well as any medical equipment needed for emergency repatriation.
Travelers should also consider how often they travel and the activities they engage in when they travel. Regular travelers are advised to get an annual travel insurance rather than each time they travel. Getting annual travel insurance is more expensive initially, but will prove more cheaper in the long run. With all that is unknown when traveling the world, insurance is necessary for a safe and enjoyable trip.
Sources:
"Travel Insurance." Wikipedia. 14 Nov. 2007. 16 Nov. 2007. http://en.wikipedia.org/wiki/Travel_insurance.
"Travel Insurance. Protect yourself, your family and your investment." Travel Wise. 16 Nov. 2007. http://www.travel-wise.com/travel-insurance/.
"Tips for Purchasing Travel Insurance." Travel Sense. 16 Nov. 2007. http://www.travelsense.org/tips/insurance.asp.
Whitley, David. "Dangers of Cheap Travel Insurance." Suite 101. 16 Nov. 2007. http://budgettravel.suite101.com/article.cfm/cheap _travel_insurance.
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Travel insurance quotes are normally fixed during the booking of a trip to cover the exact duration of a trip. Travel agencies, travel suppliers and travel insurance companies also offer more comprehensive and long-term insurance quotes. Travel insurance providers offer coverage for different travelers. These include student travel, leisure tours, business trips, cruises and international travel.
Travel insurance quotes cover liabilities such as: cancellations, delayed departures, loss of personal property and money, delayed baggage and medical expenses. Other liabilities covered include: emergency evacuation/repatriation, overseas funeral costs, accidental death/disability benefits and legal expenses. Specific insurance is also available for other liabilities such as participating in high risk activities like skiing and scuba diving; traveling in high risk countries that may have wars, natural disasters and terrorism; and for travelers with medical conditions like diabetes and asthma.
The most common type of travel insurance is for trip cancellation. This provides coverage for non-refundable costs if a trip gets canceled or stopped due to unforeseen circumstances. Insurance for trip delays provides reimbursements for delayed trips. Policies for emergency medical evacuation provide coverage during times of medical emergencies while traveling that necessitates transportation to a hospital and other medical facilities. Travel insurance quotes for loss of baggage and personal property provides coverage for items that are damaged or lost and for delayed baggage.
Many travel providers feature their own travel insurance policy that may differ from that offered by others. A disadvantage of getting travel insurance from travel providers is that they do not provide coverage once the travel provider becomes bankrupt.
The cost of a travel insurance policy depends on the particular provider. The traveler should be wary of those companies who offer cheap travel insurance; they require travelers to pay up front only to reclaim the money later. The traveler who carries expensive items should be prepared to pay extra costs in order to decrease excess payments that may arise later. Cheap travel insurance also may not cover repatriation costs. This means that these policies do not cover expenses that may be incurred due to sudden repatriation caused by accidents. Repatriation costs also include flight costs as well as any medical equipment needed for emergency repatriation.
Travelers should also consider how often they travel and the activities they engage in when they travel. Regular travelers are advised to get an annual travel insurance rather than each time they travel. Getting annual travel insurance is more expensive initially, but will prove more cheaper in the long run. With all that is unknown when traveling the world, insurance is necessary for a safe and enjoyable trip.
Sources:
"Travel Insurance." Wikipedia. 14 Nov. 2007. 16 Nov. 2007. http://en.wikipedia.org/wiki/Travel_insurance.
"Travel Insurance. Protect yourself, your family and your investment." Travel Wise. 16 Nov. 2007. http://www.travel-wise.com/travel-insurance/.
"Tips for Purchasing Travel Insurance." Travel Sense. 16 Nov. 2007. http://www.travelsense.org/tips/insurance.asp.
Whitley, David. "Dangers of Cheap Travel Insurance." Suite 101. 16 Nov. 2007. http://budgettravel.suite101.com/article.cfm/cheap _travel_insurance.
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