Great Travel Insurance Article
Prevention is better than cure: So the saying
goes.
What if you have to curtail your most longed trip, just because
you are sick or have to come back for some inevitable reasons? And all
that costs you so high that you finally lose all your savings. Unlike
health insurance, we hardly pay any attention to travel insurance. While
planning for all other travel expenses we often ignore the most
important thing—self protection.
Travel insurance helps when you fall sick or injured; lose or damage
your luggage; or your air delays while on holiday. Some travel
insurances also cover expenditures if you curtail or cancel your trip in
certain situations. So in order to avoid extra expenditure, and meet
your health needs which can be very expensive in the country you are
holidaying, travel insurance is inevitable. Usually, travel insurance
incurs medical, dental expenses and arranges expenditures related to
aeromedical evacuation to the travelers, under conditions specified by
the insurance policy.
It is always good to buy a comprehensive travel insurance policy in
order to avoid high expenses associated with aeromedical evacuation, and
medical and dental treatment abroad. But, before buying any travel
policy every traveler is advised to analyze the policies carefully and
ensure what is covered and check out for any exclusions. Particularly,
the travelers who work overseas, or some one who is involved in
dangerous jobs, and those traveling for exotic sporting activities
should prefer a special travel plan.
Now, what are the things generally covered by a travel insurance? Though
the terms and conditions of policies varies from one provider to other,
any good travel insurance plan is likely to give coverages that include
hospital and other medical treatment expenses during a trip, outside
his country, delays and curtailment coverage; compensation for lost or
damaged luggage and belongings; and 24-hour helpline for medical and
legal assistance. However, an insurance policy may not pay any
compensation if luggage is stolen due to deliberate negligence. Same
way, they may not pay if a traveler changes his mind to travel. Above
all, the main thing to be considered is whether the travel insurance
policy covers all the needs of travelers or not.
In cases when a traveler has gold credit card or some other insurance
policies that also include travel insurance, then the traveler need not
go for another simple insurance, but he should consider whether the
policy covers hazardous recreations, such as rafting, mountaineering,
skiing, diving, para gliding, hang gliding etc.
It is a common assumption that travel insurances are very expensive, and
people usually do not interpret any adverse situation. So, most of the
people often neglect buying travel insurance policies.
Again people have
a tendency to spend as little as possible to make a trip, may be
because of the monetary constraints. However, prevention is always
better, who knows what waits! The traveler may have to spend much more
than the amount he plans to actually spend as travel expenses. Availing
insurance for travel concerns help travelers in innumerable ways to sort
out financial and physical problems that may arise while traveling.
Author: Pallavi Borgohain
About the author or the publisher
Pallavi Borgohain is basically a freelance content writer contributing promotional write-ups to various Web portals and magazines. A Masters in English literature, the author started her career as a feature writer of various newspapers and magazines. Moreover, the author is quite popular as a children book writer and for her contributory write-ups on humanities and electronic gadgets.The author can be contacted in destinypallavi2006@gmail.com
