Get Travel Insurance
WHY DO YOU NEED TRAVEL INSURANCE?
Itís expensive to cancel or interrupt any prepaid kind of travel, and for a fraction of the trip cost, you can alleviate the risk of losing money if something unforeseen gets in the way.There are a number of different occasions where it would be very important to get travel insurance.
Sickness (you or family)
Pre-existing Medical Condition
(you or family)
Injury (you or family)
Death (you or family)
Bankruptcy / Default
Evacuation at Destination
Hijacking / Quarantine
School Year Extension
Destination or Home Uninhabitable
Military Duty for Natural Disaster
(you or family)
Portion Of Trip Is Missed Due to Missed Connection
WHAT REPUTABLE TRAVEL INSURANCE COMPANIES SHOULD I USE?
For extensive travel insurance coverage, go with a big-name company. Consider the package deals sold by:
Travel Insured International
WHAT ARE THE TYPES OF TRIP INSURANCE COMMONLY USED?
Trip-Cancellation Insurance and Interruption Insurance are the two most common types of coverage Note the difference: Trip cancellation is when you donít go on your trip at all. Trip interruption is when you begin a journey but have to cut it short; in this case, youíll be reimbursed only for the portion of the trip that you didnít complete.
If you have questionable health, or if you have a loved one at home in poor health, itís probably a good idea to get this coverage.
You, your travel partner, or a family member cannot travel because of sickness, death, layoff, or a list of other acceptable reasons;
Your tour company or airline goes out of business or canít perform as promised;
You miss a flight or need an emergency flight for a reason outside your control (such as a car accident, inclement weather, or a strike).
So, if you or your travel partner accidentally have a medical accident a few days before your trip, you can both bail out (if you both have this insurance) without losing all the money you paid for the trip.
Or, if youíre on a tour and have an accident on your first day, youíll be reimbursed for the portion of the tour you werenít able to use.
WHEN SHOULD YOU GET TRAVEL OR TRIP INSURANCE?
Itís smart to buy your insurance policy within a week of the date you make the first payment on your trip.
Policies purchased later than a designated cutoff date ó generally 7 to 21 days, as determined by the insurance company ó are less likely to cover tour company or air carrier bankruptcies, pre-existing medical conditions (yours or those of family members at home), or terrorist incidents