Probably the most important decision you will make in planning your holiday is your choice of a travel insurance policy. You will enjoy peace of mind on your vacation knowing that any unforeseen circumstances, such as a hospital stay due to sickness or accident will be taken care of.
Plus, even though a lot of travelers have health insurance, it would sometimes not cover them outside their network or outside of the United States. Medical expenses abroad will be covered by most medical plans and for that reason, if you want to avoid financial disaster, then travel insurance coverage is vital. Always check the details of your insurance coverage before you travel. Also, you will not have a say on where you will be treated if you were in an accident if you don?t have the proper medical insurance.
Generally, comprehensive travel insurance policy costs 5 to 7 percent of the price of your trip. There are other things your policy may provide such as loss of baggage and theft, cancellation, reimbursement for lost luggage, some degree of medical evacuation insurance, accidental death coverage, medical expenses, and personal liability. Another thing your policy should also include is the details of how to make a claim.
Take note that not all travel insurance plans are created equal. Varying from company and policy to policy is the cost. You may purchase policies for individual trips or as an annual policy for the trips that were taken in the year of the insurance. If you purchase an annual travel insurance policy, it will cover you for one year from the start date you choose. There are cases in which your best option would be to purchase a trip cancellation waiver as well as a third party travel insurance policy.
Travel accident insurance is usually provided by credit card companies and this will cover accidents but not incidents of serious illness. You should always consider buying insurance that includes medical care when you travel abroad.
If a financial risk, like the cost of your trip, is what you are willing to assume, then insurance for your domestic travel is what you can probably forego. Looking to travel insurance to safeguard their trip against any unforeseen terrorist attacks at their destination is what many are doing since 9/11. Besides being risky, traveling abroad without insurance can also impose long-term financial hardships if an illness or an accident occurred.
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