Best Travel Insurance
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In the last 10 years, travel insurance plans have become more popular with travelers. Travelers are realizing that expensive vacations such as cruises and all-inclusive resort packages are an investment of their hard-earned money, and they want to protect that investment. Furthermore, they're also realizing that the health insurance coverage they may have at home doesn't help them much when they travel outside the U.S.
The cost of travel insurance policies can vary greatly, depending on coverage, terms of the policy and insurance provider. Travel insurance policies, which cover cancellations, interruptions or delays average about 4-8 percent of your total trip costs.
Consider a trip you've booked with your family for a winter cruise. Then, due to unforeseen weather conditions, you spend much of your vacation time either sleeping on an airport floor or in a hotel airport, shelling out money for extra hotel nights and food not to mention missing your cruise. Investing a small amount in travel insurance will not only reimburse your cost of the cruise but also reimburse you for the extra expenses you incurred due to the cancelled flight.
The costs of coverage and extent of coverage varies greatly between plans and providers. Be sure to go online and look for sites which compare providers and coverage. Make sure you understand what is and isn't covered, cost of the policy as well as what your reimbursement percentage will be. Some plans reimburse 100 percent while others may only reimburse 75 percent.
Another type of insurance to consider purchasing is travel medical insurance. This is a great option for anyone travelling outside of the U.S. as most U.S. health insurance program, including Medicare, do not cover medical costs incurred in foreign countries or on foreign-flagged cruise ships.
Travel medical insurance is priced differently than cancellation insurance. The cost of travel medical insurance is usually priced by the duration of the trip and the extent of coverage. For example, a basic plan for an 8-day trip may cost $30-$50 while a year-long trip out of the country may cost ten times that.
Medical travel insurance policies vary greatly on coverage. Some can be purchased to cover basic medical problems while others offer coverage for emergency evacuation. Others also cover medical events related to specific activities such as scuba diving and skiing.
Travel medical insurance plans can also be compared using sites online. Make sure you understand the coverage and the costs. Also, make sure the policy includes 24-hour contact either by phone or by internet, from anywhere in the world.
With a little research, you can ensure that you purchase the right insurance for your next vacation.
Travel Insurance In The News
If you're planning a summer vacation, thinking about what could go wrong is probably the last thing you want to do. But travel insurance could come in handy if your trip is canceled or interrupted due ...
Published: Wed, 22 May 2019 03:26:00 GMT
Before he left for a recent business trip to Lagos, Nigeria, Jay Libove had a thought: What if things took a turn for the worse? Specifically, did he need kidnapping insurance for travel? "I read the ...
Published: Sun, 19 May 2019 06:25:00 GMT
Travelling to a foreign country can be an exhilarating adventure, however, it can also be risky business should any incidents arise. Research by travel Insurance Consultants (TIC) published findings ...
Published: Tue, 21 May 2019 01:29:00 GMT
I have a love-hate relationship with travel insurance - it's the umbrella I know I should bring out, yet am always tempted to leave at home. Whether or not you should get travel insurance is up to you ...
Published: Tue, 21 May 2019 08:03:00 GMT
Awareness of the need for travel insurance is on the rise in some quarters. This trend offers significant opportunities for travel advisors to generate additional revenue and offer peace of mind ...
Published: Tue, 14 May 2019 11:00:00 GMT
(WTNH) - We are a week away from the unofficial start of summer and as you plan your vacations you may be wondering if you should get travel insurance. We are stretching your dollar with three ...
Published: Mon, 20 May 2019 07:03:00 GMT
How long does it take for an insurance company to pay out a claim? Madden's experience isn't unusual. Once Allianz approved his claim, it took a little time to print the check and mail it to him. I ...
Published: Sun, 19 May 2019 06:35:00 GMT
Both cards also offer trip cancellation and interruption insurance, allowing you to recoup non-refundable travel expenses if your trip is cancelled or cut short for any of a handful of covered reasons ...
Published: Mon, 20 May 2019 13:46:00 GMT
ST. PETERSBURG, Fla., May 16, 2019 /PRNewswire/ -- Last hurricane season, 15 named storms hit the U.S., causing destruction, travel delays and canceled trips around the country. Entering what ...
Published: Thu, 16 May 2019 09:17:00 GMT
Sales of travel insurance are on the rise, possibly due to heightened awareness of risks posed by everything from terrorist attacks to a sudden illness. For travel advisors, insurance is both a ...
Published: Wed, 15 May 2019 01:05:00 GMT
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