Travel Insurance With A Difference!

Checking the small print in your travel insurance policy to see that you are covered to do what you intend to do whilst on holiday is essential before you go. If you intend to arrive at your resort bungee jumping from a helicopter, as the latest contestants in 'I'm a celebrity, get me out of here!' were required to do, then perhaps it would be wise to check that your travel insurance policy covers you before you go.

Most, if not all, travel insurance policies, will exclude certain activities, known in the trade as ‘Hazardous Activities.

It is very important to choose a travel insurance provider who try and give as much information to their customers on what activities are or are not covered and what may be done if the right procedures are in place and the correct safety precautions taken. So some firm advice is to check your "comprehensive travel insurance policy" before you go away, once on holiday, and just before you rush to dive with sharks! If you are interested in purchasing a single or annual travel insurance policy why not take a look at travelandinsure.com and see what is and what is not covered. You can see for yourself how easy and simply customers can buy a policy online to suit their needs.

So returning to the exam question, can you Zorb or indeed bungee jump? Well, actually you can, provided they are properly supervised activities, (though whether we would recommend you did the latter from a helicopter is a moot point) and your travel insurance provider has supplied you with a comprehensive travel insurance policy. Why you would want to jump from a perfectly serviceable aircraft is beyond most peoples understanding!

ABOUT THE AUTHOR
After having been on holiday in America this January, I decided to do some extreme American sports only to injury myself enough to need medical treatment. As it was my first time in the US I didn’t realize the costs involve with medical treatment but it was going to be fine because I had taken out an advanced travel insurance policy that was going to cover me for everything…and then again, maybe not!

Annual Travel Insurance – Is it the best option?

Should I buy an annual travel insurance policy, or just cover myself for the holiday I have booked, and will paying for an annual travel insurance policy save me money over the year? These are questions that we are constantly asked and we can only look at this on a client by client basis. The best way to answer this type of question is to show the advantages of annual policies but set them against their obvious limitations and armed with this information, customers can make their own decision on what suits them best.

So what does an annual travel insurance policy give you?

- The more trips in a year, the more cost effective an annual policy will be.
- Many annual policies have options, such as Wintersports cover, included as standard, but do check the small print.
- It is generally possible to extend the trip duration for a small extra premium which is a much cheaper option than a long duration single trip policy.
- One purchase lasts the whole year.

BUT

- It only provides cover for the area selected. An annual Europe travel insurance policy will not cover a trip to the USA in the same period.
- It’s more expensive as an up front cost.
- Many insurers impose age restrictions for taking out an annual policy.
- There might be restrictions on family annual insurance policies that prevent children from travelling independently

Travel insurance is an additional cost, quite often taken out at the last moment, and although most people recognise that it is sensible to be insured, they don’t want to pay too much. If you can plan ahead and want the flexibility of taking more than one holiday or trip abroad, then buying an Annual Travel Insurance policy is, more often than not, a good investment, but do make sure that what you buy satisfies your particular needs.


ABOUT THE AUTHOR
Keith McGregor is a partner of Strawberrysoup, a web design agency with offices in Chichester and Bournemouth. Strawberrysoup specialise in creative web design, content managed websites, search engine optimisation, search engine marketing and graphic design

Holiday Insurance

by Douglas T Adams

Holiday insurance is also known to some as travel insurance, which is a policy every vacationer should seriously consider taking and include into their travel budget. Having holiday insurance cover will protect you against emergencies and travel delays such as unanticipated illness, injury or death, loss or theft of luggage and personal possessions as well as flight or trip interruptions, including cancellation. These events can cost you a small fortune if you do not take out a policy that provides insurance to meet any financial expenses that may arise unexpectedly during your vacation. Having a holiday insurance gives you the peace of mind, should anything happen help is at hand so you can concentrate on enjoying your vacation.

It is quite an easy process to arrange for holiday insurance - typically you can take one out just before you embark on your journey, covering you for the duration of your vacation, or if you think you may be extending your vacation, find a product that allows you to get continuous comprehensive coverage.

Most travel agents and insurance companies do provide holiday insurance packages that are tailored to suit different levels of requirements. Cheap holiday insurance is easy to purchase online and the added bonus is that you can compare different quotes online very quickly to find the best package that suits your needs.

For those who travel extensively, holiday insurance is an essential expenditure. There is a wide variety of packages for the different types of holidaymakers including backpacker travel insurance, discounted annual cover, ski or snowboarding holiday insurance plans as well as just the one off single trips, catering to single or ad-hoc journeys. The backpacker package is particularly useful for those who are travelling to Europe, taking an extended holiday overseas or gap year students as some products provide cover valid for up to a year irrespective of what the person does during that period. Some holiday insurance for backpackers even covers temporary holiday jobs such as fruit-picking on a farm or bartending work. Ski or snowboarding holiday insurance plans cover you against any threats or danger while skiing and mountain rescue operations by helicopter or air ambulance.

Familiar yourself with the claim procedures and the keep important numbers such as your holiday insurer's contact number, along with your membership reference code close to hand. Be sure to disclose any pre-existing medical conditions to the holiday insurer as failure to do so may invalidate your claims. It is quite probable that an old illness may flare up during your vacation or journey, some policy does not cover this but others, for a fee, will cover a sudden or unexpected recurrence of a pre-existing illness.

About the Author
For more great information and advice on Holiday Insurance Advice, please visit us at http://holidayinsurance.articlebee.net

Tips for Buying Travel Medical Insurance

by Robert D. Hubbard.

If you are in the market for travel medical insurance you need to know what to buy. Just like any other type of insurance policy, there are different types of travel medical insurance that you can purchase. You need to do yourself a favor and shop for the best travel medical insurance for the type of trip you are taking. This is the only way to ensure that your health and bank account is going to be safe when traveling to another country.

The first thing that goes into buying travel medical insurance is deciding whether or not you need a policy. The only way that you can decide on this is by finding out if your "at home" policy covers you out of the country. If it does, you may be able to forget about buying travel medical insurance. But if not, you will definitely want to consider moving forward.

When shopping for travel medical insurance you should touch base with several different providers. Remember, not all travel medical insurance is the same. Some policies will only cover you in certain countries, and prices can vary. These are all things that you need to take into consideration when attempting to find a travel medical insurance policy.

Finally, if you are traveling for work related purposes, see if your employer supplies travel medical insurance for you. This is a good idea because you may be able to pass along the cost of travel medical insurance to your employer.

As you can see, buying travel medical insurance should not scare you. Just make sure that you first check out your current health insurance policy, and that you also shop around with several different companies. These two tips will help to ensure that you end up with the perfect travel medical insurance policy. And of course, this will help to ease your mind when traveling.

About the Author
MultiNational Underwriters offers a portfolio of products which can accommodate the needs of any international traveler, student, employee, or expatriate. Our travel medical insurance is one of the most comprehensive policies in the market today. We offer worldwide protection with astonishing customer service, plus, 24/7 online capabilities.

Holiday Insurance - A Very Valuable Expense Indeed

by Martin Haworth

Can't make it to the hotel and the car rental company charges a penalty on you credit card for missing your reservation.

Don't want this to happen to you? Then it's easy - treat holiday insurance as a priority, not a saving to be made. You may have to postpone your holiday, but you can get your money back. For the size of the investment most of us put into our holiday plans, having insurance just in case of an unanticipated change of plans simply makes sense.

What Type of Insurance Is Available?

You can purchase holiday insurance for many different situations. There are policies for single trips, or annual coverage, skiing and backpacking holiday insurance or policies for those more than 74 years of age. Many policies will provide you with 24 hour emergency assistance.

The coverage provided by these policies differs sometimes, but for the most part they cover your holiday in case of cancellation by you in case of emergency, or if your airline cancels on you. Some cover your expenses in the case of a natural disaster that spoils your trip, or terrorist situations.

There are companies who will cover your lost holiday for any reason at all, though this will cost more, of course. Others have specific situations that they will cover, whilst others are not.

Before you purchase holiday insurance, make certain that you know exactly what you want and then what is covered. Don't just take anyone's word for it, read the paperwork and make sure you are getting all you were promised before making a payment.

The Same - Then Again Not!

Holiday insurance policies are all similar and the difference's really matter. Inquire about trip cancellation, trip interruption coverage; find out if they include baggage insurance in case you luggage is lost.

It is possible to just purchase portions of coverage but it may be worth your while to inquire about comprehensive coverage.

For your own benefit, ensure that your holiday insurance is purchased from the time you exchange money for any part of your holiday. Also, though it sounds like a no-brainer, ask them if your particular airline or tour group is covered.

Sometimes holiday insurance carriers won't cover particular organizations for a variety of reasons, so when you stop into visit the insurer or talk to them by phone, make sure you list all organizations you will be booking with for holiday.

Trip interruption, meaning you started your trip but for some reason could not finish it will leave the holiday insurance provider responsible for the unused portion of your trip.

Flight insurance is also available with your holiday insurance plan but is probably not necessary. This coverage is a life insurance policy in case of an airline crash, based on the likelihood of this, a pretty unlikely event!

Different Needs For Different Destinations If you are travelling outside of Europe you should also ask if you have medical coverage. If travelling to the United States make sure you have the most adequate medical coverage, because medical care is outrageously expensive there and folks who missed covering themselves have been known to have had to sell their home to pay for the costs incurred.

You have been warned on this one!

For about 5% of the total cost of your holiday, you can prepare for pretty much any contingency that may come up and spoil things.

For all the work we put in to earn our holidays insurance is a nice back up plan to have and a necessary evil in anyone's holiday expenses.

About the Author
(c) 2007 Best Holiday Insurance Guide. Need more information about holiday insurance - or maybe where to find the best deal for your travel needs? Look no further, there's all you need at Martin Haworth's website, http://www.BestHolidayInsuranceGuide.com

Holiday home insurance - one of the decisions associated with buying a holiday home

by Sean Horton

Buying a holiday home has never been easier. Today, you can hop on the Internet and find the home of your dreams without even leaving the comfort of your living room. Even better still, you can then use a search and compare website on the Internet to find you the best possible deal for a second home mortgage. There is nothing to it with very little time and effort to put in unless you wish to. However, you need to make a few decisions that are associated with buying a holiday home before you can put in an offer and get a mortgage and one of those is holiday home insurance.

Holiday home insurance is different to both traditional home insurance and buy-to-let insurance, so don't make the mistake and think that you can cut costs and corners by getting the wrong type. A specialist broker will be able to help you find the right type of holiday home insurance.

Other considerations when buying a holiday home include the following: Where is the first place that comes to mind when you think of buying a holiday home? Although gut instincts are not always correct in terms of buying a house, there must be reasons behind considering buying a holiday home in a certain area. When you have the reasons why you would want to live in a certain are then you can begin to build upon that.

You should consider both popular locations and other locations that resemble them because individuals buy homes in certain areas for a reason. Crime rate, natural environmental hazards, proximity to the beach, proximity to shops and climate are all factors that should be considered when buying a holiday home, but the list is not limited to them. For an idea of where Britons choose to look into when buying a holiday home, the facts and figures are worthy of consideration.

Approximately 30% of all holiday homes are in the UK, 16% are in Spain and 7% in France, with the remaining 47% being spread between countries like the USA, Italy, Australia, Ireland, Greece and other similar countries. After deciding upon the country, your choice of area will largely depend on what kind of place you would wish to live in - beach, town, city or quiet village?

You final decision when buying a holiday home should depend on what kind of home you would like to live in. Whether your choice is a bungalow, condo, apartment or cottage, you can find the perfect house for you and then get on with the easy part of buying a holiday home.

Then all you need is the right holiday home insurance.


About the Author
Sean Horton is a Director of Holiday Let Mortgages which offers UK residents the finance to buy a UK based holiday home. The site offers information about Holiday Home Insurance, and holiday home mortgages.

Tips On Buying Good Travel Insurance

by Peter Smyth

Buying good travel insurance encompasses suitability, reliability and price. If you fall sick or are involved in a debilitating accident while travelling, it is a bit of a double whammy. Not only do you suffer financially through possible medical or hospital expenses, your travel plans are disrupted, often resulting in financial disappointment from non-refundable accommodation, tours, airfares and others. Lost credit cards, cash, traveller's cheques and personal possessions can also lead to both holiday and long-term financial stress.

Anyway you look at it - the small amount you pay for travel insurance just doesn't rate when compared to the possible consequences - BUT - that doesn't mean you have to pay more than you need, and it is only wise to get the best, most comprehensive, yet most economical cover possible.

What To Look For When Purchasing Travel Insurance For a start, purchasing travel insurance through a travel agent or supplier can cost up to 66% more. In addition, travel agents may not always have back up in the event of bankruptcy, whereas all quality insurance companies are underwritten by a reputable insurance body, providing you with absolute protection.

Purchase your trip insurance online. Because online quotation and facilitation costs the insurer less, you pay less, getting the same high quality product for around 10% less. Be sure of the credentials and the reliability of your insurance company - they should have full details on their web site at the least.

Always check the details of the policy. Different levels of cover may have different limits they pay up to, or may cover you for varying eventualities. This is due to the wide variety of methods of travel, locations visited, variety of sporting activities or events participated in, the age of those travelling or any pre-existing medical conditions. Always ensure your policy adequately covers you for your unique travel needs.
There are some items that should always be in every policy no matter the level, so be sure you are covered for at least the following:

Unlimited Overseas Emergency Medical Assistance and Unlimited Overseas Medical, Hospital and Dental Expenses - international travel only
Unlimited Cancellation Fees and Lost Deposits - this is often for international travel
Personal Liability
Accidental Death and Permanent Disability
Travel Documents, Credit Cards and Travellers Cheques
Luggage and Personal Effects
If you follow these tips on buying good travel insurance you should achieve both appropriate and economical cover.

About the Author
Author Bio
Peter Smyth is Marketing Manager at 1Cover Travel Insurance, one of Australia's cheapest online Travel Insurance providers. Get discount travel insurance quotes online and enjoy piece of mind world wide.

How To Choose Good Value Travel Insurance

by T. O' Donnell

Travel insurance provides coverage against financial and other losses that you may incur while travelling domestically or internationally. You can either get it at the time of booking your trip, for the exact length of the trip or you can get it for a longer period. Travel agents, travel insurance companies, cruise lines, or tour operators can all help you with purchase of continuous travel insurance.

Here's a list of some of the most common risks that are covered by travel insurance:

- Cancellations and/or Curtailments; - Delayed departures for flights, and other modes of travel; - Loss, theft or damage to personal belonging and money including travel documents; - Delay or loss of baggage; - Medical expenses/Sickness; - Emergency evacuation/repatriation; - Overseas funeral expenses; - Accidental death, injury or disability benefit; - Legal assistance for travel related needs; - Personal liability; - Loss of income due to other reasons.

Some travel insurance companies have travel policies, which will also provide you extra coverage for additional price. However, these costs vary widely from carrier to carrier. Here's a list of the extra insurance coverage that can be purchased for an additional fee:

- High risk sports (e.g. bungee jumping, scuba diving, sky diving); - Travel to countries with high risk (e.g. due to civil wars or natural disasters); - Travel with pre-existing medical conditions (e.g. asthma, diabetes, heart conditions).

There are several types of policies available depending on your needs. If you travel more than twice a year, then you can avail the option of an annual holiday insurance policy, rather than buying two single travel insurance policies. Some basic types of policies available are:

- Single Trip Cheap Travel Insurance. Perfect for those who take one main holiday annually. It covers single trips anytime in the year with a duration of min. 3 to max. 183 days per trip.

- Annual Multi-Trip Cheap Travel Insurance. If you travel over two times in a year, then this holiday coverage works well for you. Not only do you get flexibility and peace of mind knowing you are covered for each trip, you will also save on money. You can make unlimited trips of up to 45 days each through the year.

- Backpackers Cheap Travel Insurance. Students and backpackers may insure themselves by opting for this insurance type. Travelling to unknown countries and places where you may not even speak the language is a path fraught with danger, but with a travel policy, you'll be secure in the feeling that if you meet with an accident or fall sick, you'll be able to get the necessary medical assistance. It usually covers trips from 31 days to 18 months per trip. Some carriers also include up to 40 Adventure Sports in the policy.

Some of the other travel insurance types are Ski/Snowboarding, Senior Citizen and Long Stay Travel Insurance policies. Choose the best one for you, stay covered, and be stress free on your holidays!

About the Author
T. O' Donnell http://www.ttinsurance.co.uk is a licenced credit broker based in London, UK.

Insurance you need when traveling

by Will Moore

Whenever you plan to travel abroad, travel insurance, from one of the reputed travel insurance companies, needs to be considered for the trip. Traveling anywhere outside your country of citizenship is not without risks. An easy way to offset some of this risk is through travel insurance.

Travel insurance may include an accidental death and dismemberment policy, a policy for repatriation of the remains, or medical emergency and emergency medical evacuation while you are on a trip outside the United States.

Depending on where you are going for your trip, and why, additional coverage like foreign commercial liability, foreign automobile liability or foreign workers compensation and sickness policies might become necessary.

Make sure that you check with your doctor or contact your insurance professional in order to discuss the details of your trip, and figure out your insurance needs.

Travel insurance from most travel insurance companies can be arranged a long time, even months, before the actual trip, and consists of a range of insurance coverage services safeguarding you throughout your trip, before, during, and after. In truth, accidents, emergencies, and unforeseen events can happen anywhere, and to anyone. Travel insurance companies, and their policies give you the peace of mind of having protected your investment and your health, as well as your belongings. It

Protects your investment if you have to cancel

Provides emergency medical referral and assistance

Reimburses unexpected expenses due to emergencies

Protects you during the medical emergency

Provides medical assistance abroad

Provides emergency evacuation if necessary

The AAA Insurance Company, for example, provides insurance for the basic travel needs, along with many other services. While many other companies like Travel Guard, have plans that provide Primary Emergency Medical coverage, and Trip Interruption plans that refund the a large part of the cost of a one-way ticket or the non-refundable trip cost.

Travel Guard guarantees payment to the relevant medical facility and makes your admission easy, and also continues to cover your medical expenses for as long as one year after you return home.

If you have to seek medical treatment while you are on your trip, companies like Travelex will cover Emergency Medical & Emergency Medical Evacuation / Repatriation. Advance payment is generally made to the Hospital if it is needed to secure admission.

In addition, some policies may cover the cost of delayed flights and lost luggage, and evacuating the person to the nearest adequate medical facility, or a hospital of choice, if necessary.

The Emergency Medical coverage usually ends, however, as soon as you reach your home, especially if you have been returned under the Emergency Medical Transportation/Evacuation coverage

The plans from travel insurance companies like Travel Safe cover the losses incurred due to family members not scheduled to travel with you, up to a maximum of six people per cancellation / interruption claim due to an accident or sickness of just one person in the party.

Several insurance companies offer stand-alone medical evacuation insurance. The costs range from $69 to $109 a trip at Travel Guard to Access America's annual policies beginning at $190 per person.

Travel insurance companies like Medjet Assist specialize in medical evacuations and offer a range of membership options. These may vary from seven-day coverage, at $85 a person, to a year's coverage at $225 a person. Most also have slightly cheaper package options for families.

About the Author
Will is the owner of TravelCheckList.info an online Travel resource catering to the world traveler. TravelCheckList.info provides up-to-date travel information on all things pertaining to travel including destinations worldwide.

Travel Insurance - 10 Top Tips

by Smith Chen


Insurance is one of those areas that is generally unavoidable; you'll need it in some form or another somewhere along the line. For the majority of us that just happens to be every day.

One area always in the spotlight one way or another is travel insurance. Yet many of us still aren't sure if it's something we really need and to this end, many of us travel without it every year. Here are 10 top tips to help you make the right decision.

1) It is a common myth that if you take the European health card (E111) with you when you travel, you will be covered for anything that goes wrong. This is not the case. The card is just there to be given to a hospital, etc, in an emergency so they will treat you (this is still a must have for this reason). You will still be billed for any treatment you receive in a private health care system. For this reason holiday insurance can be invaluable.

2) When applying for your insurance policy, you must inform the company of any/all medical conditions you suffer from, no matter how small or insignificant they seem. This could prove to be something that voids your policy if you do not. You will find this most probably increases your premium, but it is worth it to keep your policy valid.

3) When looking for cheap travel insurance, be careful to check you are not losing out on any coverage that you will need, such as theft, cancellation of holiday/flights. You may find that some polices really are too good to be true and cover you for the bare minimum.

4) If you are planning to go on a trip that may include activities that could be viewed to be dangerous by the insurance company, you may find you will not be covered under most policies. You will need to find a policy aimed at covering for such activities, i.e. a winter ski policy or adventure holiday insurance. If you are thinking of backpacking, you would similarly be best to look for a backpacker's policy.

5) The majority of companies offer single, multi trip, family and annual policies. If you are going to travel just once in a year as a single person or a couple, it will work out cheaper to apply for a single trip travel insurance policy. If however you will be travelling 2 or more times, a multi trip policy will save you money. The same applies to a family group, finding separate policies will be expensive, opt for a family policy and you will save money and most probably receive cover for children (under 18) free.

6) Always check excesses on the policy you choose, most policies are peppered with them and finding a policy with a better or no excess in an area you think relevant is prudent.

7) An important thing to remember in regards to item/theft insurance is; if you leave valuables unattended/ out of sight, you will not be protected.

8) An important "don't" is not to let your holiday provider package the holiday insurance for you as it will work out much more expensive in the long run. In less than a couple of minutes you can find a much cheaper quote on a comparison site. Research from Alliance and Leicester has shown UK holiday makers overspend by ฃ1.3 billion on travel insurance each year, for this very reason.

9) It is important to remember that the insurance company will not pay out for an accident caused whilst under the influence of alcohol or drugs.

10) Finally, in research done by the internet company Moneysupermarket.com it was found that you should ensure you have the following amounts of cover as minimum: Medical expenses 2m, personal liability 1m, cancellation 3,000, baggage 1,500, cash 250, a 24 hour emergency line and cover for legal costs and finally financial ombudsman service membership in case you need to complain.

About the Author
Smith Chen is an author and internet marketing consultant.
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Travel Insurance And Other Valuable Travel Tips

by Wade Tobins

If you are a frequent traveler, you must know by now how important it is to get travel insurance before any trip. In the same vein, you must already be aware of the various types of policies made available to travel insurance clients.

Many individuals take travel insurance for granted, but their importance is only made evident when the need for claims arises! One should always make it a point to check the policy through before choosing any type of travel insurance.

Additionally, not all travel insurance policies are the same - one company's policy clauses may vary greatly from those of another company. You'll soon find out that price and coverage are not the only considerations when choosing a travel insurance policy.

It's essential to inform at least two people you trust about your travel plans and tentative itineraries. They should also know about the places you plan to stay in and departure and arrival dates.

Apart from travel insurance, there are a lot of other things to take care of. One of them is being prepared with your finances. Since it's never safe to take along a large amount of cash these days, make sure that you have adequate travelers checks before you depart. Keep in mind, though, that these should only be signed right before you use them and not any earlier. This is a mistake commonly made by most first-time travelers.

Another very important matter that is often overlooked is ensuring that all the required visas have been acquired. Many travelers go through unnecessary inconveniences just because the visas they need are either missing or expired. Make sure, too, that your passport won't expire while you're traveling.

You can get a checklist of all the important concerns related to travel from a reliable travel insurance company. Don't forget to secure photocopies of your passport, visas, airline tickets, vaccination records, and itineraries. Keep a set at home, another on your carry-on, and another in your suitcase.

This way, when your important documents get lost or stolen, you won't find it too difficult to ask for help from authorities. Travel insurance can provide you with a checklist of items you need to take care of, at no extra charge.

If you think that travel insurance only covers you in case of an accident, think again. Travel insurance can also cover some types of medical expenses, delayed or lost baggage, cancellation of flights, missed flights, flight delays, important personal effects, and even hijacks.

Some even cover collision or damage expenses for rented cars and emergency evacuation damages. What's important is that you first look into all these and decide which items are important to you, or if there are any travel insurance aspects you could do away with.

Travel insurance companies would be more than happy to answer any questions that you may have regarding coverage. If you're not too keen on talking with an agent personally, you could first surf the Internet and compare various travel insurance packages.

A simple search can be very advantageous if any untoward incident does happen during your trip. Although no one wants these things to happen, it's always better to be armed with comprehensive travel insurance.

About the Author
You can also find more info on Travel Insurance For Backpackers and Travel Insurance Tips. travelinsurance-help.com is a comprehensive resource to get information about Travel Insurance.

Travel Medical Insurance - Why You Can't Leave Home Without One

by Wade Robins


It's bad enough to fall ill or to encounter an accident these days, but it's worse if it happens to you while you're in a place that's far from home. You're out of reach of close friends and family members, you're in an unfamiliar place, and even the doctors who are likely to treat you are total strangers.

Travel medical insurance can't make everything alright, but it can substantially lessen your worries. When you know that you won't have to worry about paying the bills or going back home in case something unexpected happens, traveling becomes so much more enjoyable. Peace of mind is indeed priceless.

There are several companies offering travel medical insurance whose websites are comprehensive. This means that you can perform a veritable canvassing of prices and policies without having to leave the comforts of your home. Some websites even offer free personalized quotes and compare packages from different companies.

First, choose a company that offers 24/7 service for your travel medical insurance. What's the use of getting protection when you can't be served when you need it? Second, choose the package which you think would benefit you the most. If you feel that you can manage with a policy that pays only a percentage of your medical bills, that's fine. They would, of course, cost a lot less than travel medical insurance policies that would practically "pay all the bills."

Third, ask your travel medical insurance agent about pre-existing medical conditions which may disqualify you from making certain claims. This is especially important if you are 55 years of age or older. It's a given that any kind of policy has its own fine print, so make sure you read it thoroughly.

Feel free to ask travel medical insurance companies about health advisories and required vaccinations. If you fail to comply with the rules set forth by the country you are visiting, chances are your travel medical insurance won't be liable for the medical costs you'd incur that are related to that ruling which you failed to pay attention to.

A few of the items you need to look into when choosing your travel medical insurance are doctors' fees, hospital payments, ambulance services, emergency treatments, return flights home, and prescriptions.

Next time you fly, don't get caught flat-footed. You'll be saved from a lot of trouble when you're armed with the right kind of travel medical insurance.


About the Author
You can also find more info on Travel Medical Insurance and Trip Cancellation Insurance. travelinsurance-help.com is a comprehensive resource to get information about Travel Insurance.

Travel Insurance : Various Options Are Available

by Allan Elvin


Travelling, whether you are on tour to any domestic or out shore location, includes uncertainties. Thus it is important that we keep all the eventuality in mind before we take off a trip. Travel insurance is one such thing that is specially designed to help you meeting any kind of uncertainty on your tour. Be it minor or serious health problem, loss or damage of luggage, injury or accident, an insurance covering your trip is of great deal to avail.

In UK, there are millions of travellers flying each year to many offshore locations. Thus there is urgent need to know well the several options available for travellers while buying an insurance which gives them a good cover. Before finalising the deal of buying an insurance for travel, it is advisable that you come to know well about all options available in the market. If you are frequent and lone-traveller, single, annual and multi-trip cover is best option to avail. It saves your a lot of money which you are tend to waste on each of your tips.

Similarly, joint, group and family travel insurance cover is useful for those who are prone to avail their trips with their family. This way cuts a lot of your insurance costs, as you don't need to buy an insurance for each of your family members. This insurance lets you receive the same benefits what you avail through an individual insurance cover. Backpacking insurance cover and winter or extreme sports insurance cover are the two other popular insurance covers.

Backpacker insurance cover are specially for travellers like students who are not a frequent traveller. Winter or extreme sports insurance are a popular type of Travel Insurance which is specially availed by those travellers who are on adventurous tour which includes mountaineering, trekking, rafting, etc. This insurance covers all kind of injuries you suffer on the tour as well as damages to your luggage.

About the Author
Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Travel Insurance and in guiding you on its various details.