Often, these insurers also provide 24/7 service in terms of hotel assistance and emergency travel exigencies
. The travel insurance policies have different origins and they have differing ramifications as to their value and coverage. When you get a retail travel insurance policy, you would need to fill out an application form and then submit it together with the premium payment, after which the insurer would send you a certificate of cover for your trip abroad. A wholesale travel insurance policy meanwhile is one which you acquire through your travel agent together with other people included in the tour package.