Recoup Your Lost Travel Money
A week's cruise in the Caribbean will help you recover from the biting winter cold
. An illness as trivial as pneumonia could take you down just a few days before your trip begins.You rushed to book the trip and now you need to cancel it.
In such circumstances you would have been better off if you had travel insurance. For you it might be a new concept but it is a useful one all the same.
The entire amount that you paid for the trip could be refunded to you if that's the provision in the policy.
Travel insurance isn't expensive because it is actually an investment that covers your risk. What you end up paying for travel insurance isn't more than six percent of the total cost of the trip.
You always stand to gain by asking a lot of questions about what the policy covers and how much it pays you back in the case of certain events.
All situations do not warrant insurance. If you are booked on a flight to New York and you cancel your booking, you can expect to get a full refund.
A yes or no decision on buying travel insurance is what comes naturally to an experienced traveler. You can be taken by surprise at any time.
However much you plan in advance, there will always be uncertainty until your vacation actually begins.
Insurance policies are almost always revised quite frequently. Whatever be the plan, you should pay attention to the governing terms and conditions as also the fine print.
It is possible to prevent problems from occurring at a later date by informing your travel agent in advance about the condition of your health.
If there is a known health condition when you buy a policy, the concerned insurance company might actually take a soft stand about it.
In effect, insurance companies tend to waive clauses that relate to pre-existing health conditions. It looks like the travel industry has now become very responsive to the needs and requirements of its customers.
If a traveler is unable to complete the trip he can file a claim and in the process the insurance company doesn't lose anything at all.
Insurance companies have responded positively by relaxing the earlier 24 hour time period for buying a policy with the waiver.
You can now expect to get the waiver along with the policy at the time of booking the trip.
A comprehensive insurance policy might benefit you even more.
A comprehensive insurance policy is by far the best way of covering all possible risks on a trip and it includes things like medical assistance, evacuation, baggage loss, trip cancellation and even accidental death.
Both the cost of insurance and the risk cover that you will get have to be judged objectively. The money that you can spend on insurance has to have some relation to the total budget for the trip.
Locations where natural disasters are a distinct possibility will push the cost of insurance higher.
Obviously, no one will buy a policy that covers more risks than necessary. Some tips are prone to cancellations and that is why many travelers opt for related insurance.
This insurance will cost of fraction of the cost of comprehensive insurance.
You need to check out with the owner or enter of your home and find out if his insurance covers your possessions as well.
This will save you buying insurance for the extra baggage. There is some free coverage which most travel agents will give you whenever you buy a plane ticket.
Some, not all, policies cover the chance of the tour operator going bankrupt. There is no viable solution in case tour operator goes bankrupt and you have a policy taken directly from him.
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