Travel insurance
March 5, 2009 by Jack
Choosing travel insurance
Travel insurance can provide you with cover for:
• cancelling or cutting short your trip for specific reasons outside your control, for example, the unexpected illness of you, a close family member or a member of your travelling party
• missed transport or delayed departure for reasons outside your control
• medical and other emergency expenses
• personal injury and death
• lost, stolen or damaged personal property, including baggage
• accidental damage or injury you cause to someone else.
You can buy travel insurance to cover a single trip, or an annual policy covering several trips. As most travel policies cover you for cancellation, you should take out insurance when you book your trip. Some package holidays offer to include travel insurance but you do not have to accept this. You are free to make your own arrangements. A travel agent must not charge you more for a package holiday because you do not buy their insurance.
Ask for quotes from several insurers to help you get the best deal for your circumstances. You will need to compare what each policy covers and:
• any exclusions. Some policies exclude dangerous activities or high risk sports such as skiing or scuba diving. If you are going on a holiday involving one of these activities, you may have to pay more for your insurance
• compulsory excesses. This is the amount you have to pay towards the cost of a claim. The amount may vary, depending on the claim
• additional conditions, for example, how long your journey has to be delayed before your insurer will pay you compensation.
• Check whether any age limit applies.
• Check your household contents insurance policy, as this may cover you for loss or damage to your personal belongings while you are abroad. You may decide that you only want to take out insurance for some of the other risks you can be covered for while you are abroad.
Your credit card company may provide you with some free insurance cover when you use it to pay for a holiday. Check carefully what is covered. In general, this should not be used as a substitute for your own insurance as it may not cover you for everything.
When you take out insurance cover, you must tell your insurer, or the person who sells you the insurance, about anything which might affect their decision to insure you and how much to charge for the insurance. This could be, for example, for an existing medical condition for which you need to get treatment while you are away. If you withhold information, this could prevent your insurer from paying out on any future claim.
Once you have taken out an insurance policy, you must tell your insurer as soon as possible about any change in your circumstances which might affect any future claim.
Remember to take a copy of your travel insurance policy away with you
im not sure how to measure mg to my apporiate need, i just go big gimme 100 mgz the highest one for each……. But it is a relief just to git da neccessary amount need for my specific health need…
i like travel but with travel insurance we can around the world more safety