Travel Around Planet

Archive for the ‘Guests’ Category

Nowadays, travel to different destinations has become very risky. So it makes sense to opt for travel insurance coverage from some good insurance companies and travel agencies who sell travel insurance policies. Such policies are intended to provide protection for medical expenses, various losses incurred while traveling to some foreign destinations or traveling within one’s own country. You may sometimes have to cancel your trip entirely or in the midway, or you may be severely affected by delayed departure. All these untoward incidents have necessitated the requirement of travel insurance.

Travel insurance policies are generally offered by the insurance companies, travel agents or directly by the travel suppliers, such as the tour operators and the cruise liners. Temporary travel insurance can be arranged at the time of the booking of a trip to cover exactly the duration of the trip.

Coverage and non-coverage types

The most common risks that are insured by travel insurance are listed below.

• Medical/dental expenses
• Emergency evacuation
• Return of a minor child
• Interruption of trip or trip cancellation
• Injury, disablement or accidental death
• Trip curtailment
• Overseas funeral expenses
• Missed flights/ delayed departure
• Lost, stolen or damaged baggage, personal effects or travel documents
• Delayed baggage and emergency replacement of essential items
• Trip cancellation
• Car collision coverage
• Coverage for the travelers with pre-existing medical ailments such as, diabetes and asthma
• Coverage related to medical emergencies arising out of some risky sports such as scuba diving and skiing, which are part of travel itinerary
• Travel to high risk destinations (susceptible to war and natural disasters)
• Kidnap & ransom insurance
• Pregnancy related expenses

Some of the risks that are not covered by the travel insurance include -

• Injury or illness caused by alcohol or drug use
• Some pre-existing medical conditions (varies from one insurance company to the other)

Packaged travel insurance plan

It is advised that you should opt for a packaged travel insurance plan, since such a plan includes majority of these coverage. The packaged travel insurance plans have become very popular since it includes the cancellation coverage also. Apart from the cancellation coverage, packaged travel insurance plan includes various other coverage such as trip interruption, baggage loss or theft, medical/dental emergencies, emergency evacuation, and 24/7 worldwide assistance.

Packaged plans can be used for business & leisure travel. These plans can also be purchased for cruises, tours, safaris, ski trips, adventure travel and many more.

Whatsoever, the travel insurance is aimed at making your travel more protected, safe and hassle free.