Thursday, January 29, 2009

Travel Insurance Jiv

By Roc Selly

Travel insurance is an unfortunate travel accessory which is perceived as something our travel broker tries to force upon us when we buy a travel package as means of boosting the company's profits, as something that makes our holiday even more expensive than it already is. Just as important as which type of travel insurance one chooses is where that travel insurance is purchased from. Try to avoid getting set up for travel insurance by your holiday operator. Whether or not you get covered by travel insurance is your choice. If you decide to buy it, try to get it from an insurance broker.

Having personal travel insurance to cover you during your travels is certainly well worth it. The benefit of having a travel insurance policy is that the traveller will be reimbursed if faced with an emergency which forces them to forego or change their travel plans. Students looking for travel insurance should find it easy getting their hands on cheap student travel insurance which is also a means of ensuring your financial safety when you travel abroad to study. Generally, Comprehensive Cover is designed to offer the traveller quality travel insurance at competitive prices. Backpacker Travel Insurance covers you if you're more of a risky traveller as backpacking poses more risks than normal travelling does.

How much you spend on your travel insurance will depend on the length of your trip, your destination and your age. Bearing in mind the amount of grief and overly high expenses that an accident abroad can force upon you, travel insurance is laughably affordable.

As with most insurance products, you are best off arranging travel insurance with a company that deals only with travel insurance and you no longer have to visit a travel insurance outlet to get cover. In fact, buying travel insurance on the internet is the preferred way to get cover as this means lower overheads, cheaper insurance and faster processing. Buying your travel insurance online will normally save you 10% of the cost of your package.

Carefully consider your medical travel insurance whilst travelling overseas as there are vastly differing degrees of healthcare expertise and facilities from country to country. Your medical costs can usually be reimbursed if you have medical emergency insurance while travelling, so long as you have all documents necessary to make a claim. Remember to study the small print that comes with your policy.

If you plan on getting involved in some risky activities such as mountain climbing or river rafting on your travels, make sure you have purchased a travel insurance policy that covers you for these activities. Just as general insurance is, travel insurance is subject to exclusions, such as claims arising from pre-existing medical conditions or when participating in risky life-threatening activities.

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