|
| |
          
Travel Insurance
Buy International Travel Insurance Online
Affordable travel insurance
Find out everything you want to know about Travel Insurance
around the globe. Travel Agents, Brokers, Leisure Travelers, Employees, and
Business Travelers residing in countries all over the world should start here.
About to take a trip abroad? You should strongly consider international travel
insurance. Easily available online with a variety of options, travel insurance
policies are designed to address those things that can interfere with your safe
and fun vacation.
Most travel insurance packages generally provide coverage to protect you against
trip related financial losses, and against travel related health and medical
issues. They generally also provide 24 hour hotlines worldwide for emergency
medical and traveler assistance.
Consumers often incorrectly believe that their credit card companies cover trip
cancellation, and that travel agencies and suppliers reimburse travelers who are
forced to cancel their trips. They don't. Only travel insurance provides this
protection.
Cost and Benefits of Travel Insurance
Travel insurance is priced as a percentage of trip costs, and typically ranges
from 4 to 8%. Generally, older travelers pay more because of higher health
risks.
The cost of insurance is small compared to the protection it affords. If you're
traveler on a tight budget, you may debate whether to spend the extra money, but
most experienced international travelers consider travel insurance to be an
essential item.
Important benefits include protection of your ticket costs and possessions. The
major value of travel insurance for many is its international medical coverage,
which can cover you against major health and medical emergencies anywhere in the
world.
Travel Insurance Coverage. Travel insurance can provide you coverage for medical
expenses, trip cancellation/interruption, baggage damage, and much more.
Conditions and limitations vary by travel insurance policy. Be sure to read
carefully the conditions of your specific policy when you buy it. Types of
coverage available include...
Trip Insurance
Trip Cancellation and Trip Interruption Insurance: This coverage generally
includes non-refundable trip costs if you are unable to travel for reasons of
unforeseen illness, injury, or various catastrophes. Most airfares are
non-refundable. This coverage can protect your airline ticket investment. Some
policies include coverage for terrorism and natural disasters.
Trip Delay: This coverage reimburses you for meal and hotel expenses incurred
when a trip is delayed.
Bankruptcy and/or Default of Travel Provider: Some policies cover you against
bankruptcy or default of your travel carrier or tour operator. For this
coverage, insurance generally must be purchased within a limited time after
ticket purchase. For airline bankruptcy coverage, note that some airlines are
excluded. Check lists of airlines provided by the insurance company to determine
excluded airlines.
Travel Medical Insurance
Emergency Health and Medical Insurance: Covers necessary emergency medical costs
incurred while traveling. Check with your health care provider whether your US
based medical policy covers you abroad. Often, international travel medical
insurance provides benefits that your US based health or medical insurance does
not.
Emergency Medical Evacuation Coverage: Covers physician-ordered emergency
medical evacuation to an appropriate hospital or medical facility, and can
include travel to return home when medically warranted. This coverage generally
requires you to contact the insurance provider's hot-line to arrange
transportation.
Baggage Insurance
Lost, Stolen, Baggage and Personal Effects: Covers costs relating to lost and
stolen items including baggage, personal effects, credit cards, passports, and
travel documents during your trip. There are limitations on the replacement
values of certain valuable items like jewelry, watches, cameras and computers,
so make sure these valuables are scheduled on your own insurance before taking
them on your trip.
Baggage Delay: Covers costs related to baggage delays are covered on some
policies if baggage is delayed en route, generally for more than 24-hours.
Worldwide Travel Assistance
24-Hour Travel Hotline: Service benefits provided by many insurers help you
locate medical and legal care, reissue lost travel documents, track missing
luggage, take care of transportation needs, make hotel reservations and cash
transfers, and relay business and personal messages.
Optional Travel Insurance
Additional travel coverage available on many policies includes flight and travel
accident insurance, additional medical insurance, and automobile coverage.
Trip Accidental Death and Dismemberment Insurance: General optional coverage,
compensates for loss of life, limb, or specified faculties because of any injury
sustained during a trip.
Flight Accident Insurance: Compensates for death or injury sustained during a
flight.
Car Rental Collision Damage Waiver: Covers rented automobile collison damage on
rental automobiles. May be more comprehensive and economical than what is
available from car rental companies in international locations, or than the
coverage provided on your own motorist policy.
When to Buy Travel Insurance Policy
It's best to buy your travel insurance when you book your trip. Some coverage is
only available if you buy within a specified period from the time you buy your
ticket. Travel insurance can provide you coverage for medical expenses, trip
cancellation/interruption, baggage damage, and much more.
Prompt insurance purchase helps to avoid exclusions for pre-existing
conditions... like weather, health, supplier and terrorist situations... which
might arise after your trip is booked but before your departure date. Some
insurers also give you free extra coverage for prompt insurance purchase.
Useful Tips When Buying Travel Insurance
Compare available travel policy coverage and pricing options to make sure you
get the coverage you want.
Read the fine print for each coverage item, to make sure that you understand
exactly what is being covered and what's not. When online, read available pages,
pop-up help windows, and PDF copies of the policy to check travel policy
details.
Check your other personal insurance policies, including home, medical, and
credit card coverage to see what protection they do and don't provide. Don't
assume that they provide international travel coverage.
Travel Insurance Claims. * Trip cancellation, interruption and delay
* Medical expenses and emergency medical evacuation
* Lost, stolen or damaged baggage and travel documents
* Luggage delay
Select and Pay for Only the Coverage You Want!
Start with the base plan, then choose only the optional coverages and limits you
want for your travel needs. Choose a medical evacuation option that takes you
home or to the hospital of your choice; primary coverage for medical and
baggage; coverage for a range of adventure sports activities, rental collision
insurance and flight accident coverage even an ultimate concierge service that
can get you into exclusive restaurants, concerts and other places you want to be
during your travels!
In the event of any losses or claims while traveling, you will be required to
establish proof of your claim. Be sure to file all official paperwork, to get
copies of receipts, dated documentation, doctor's reports, etc, and to notify
the insurance company of any problems as they occur.
Travel Insurance
Buy International Travel Insurance Online
Affordable travel insurance
About to take a trip abroad?
Sample
17 days - $ 700.00 each
Resident of TEXAS, UNITED STATES OF AMERICA Change
Country/State
*denotes a required field
Destination Country *
Departure Date * Return Date * Trip Deposit Date *
Trip Cost Birth Date Premium
Traveler #1* $61.81
Traveler #2 $61.81
Choose the options you want, and create a made to order plan just right for you!
Click "Update Quote" at any time to show prices for base plan and selected
options.
You pay only for the options you choose. For descriptions of the coverage
options, click any highlighted text.
Medical Expense Upgrade $6.30
($10,000 secondary coverage included in base price)
Primary Coverage:
Secondary Coverage:
(The deductible will be waived with any upgrade.)
"Hospital of Choice" Evac Upgrade $3.42
(not included in base price)
Coverage for Terrorism, Financial Default, Pre-Ex $18.18
(not included in base price)
Baggage Upgrade $4.96
($500 secondary coverage included in base price)
Primary Coverage:
Secondary Coverage:
(The deductible will be waived with any upgrade.)
Adventure Sports Coverage $15.34
(not included in base price)
Car Rental Collision Coverage
Rental Car:
Pickup Date: Return Date:
"At Your Service" Upgrade $9.99
(not included in base price)
Flight Guard Insurance $18.00
(not included in base price)
Coverage Limit:
Premium: $123.62
Additional: $0.00
Total Fees: $6.00
Total: $129.62
| |
|
