An important but often overlooked part of your vacation is travel insurance. Regardless if you are traveling to a foreign country or to the next state, travel insurance is something you should consider.
There are several reasons why you should have insurance and these include covering medical expenses, life insurance for your family, or trip insurance when something goes wrong.
If you have medical coverage, check with your insurer to find out the specifics regarding your planned destination.
For the duration of your trip or for longer periods, you can buy medical coverage. Multiple trips of specific duration are covered by some travel insurance policies. Some will cover you for travel up to a year.
Are you planning a skiing or mountain climbing vacation? Evacuation insurance is what you may want to consider then. If you need to be rescued it is quite possible that the you will end up with a hefty bill to pay for the service.
If you are going on a cruise, taking an organized tour or just flying on an airplane you may want trip cancellation insurance. Your plans may change unexpectedly or you or a family member may get sick at the last minute.
Many companies do not offer refunds and you could be out thousands of dollars. Messing with your plans are many things that are considered to be out of your control.
Loss of baggage, travel delay, baggage delay, dental, 24 Hour Traveler Assistance, and accidental death are among the popular coverages.
If you are driving out of the country definitely check with your auto insurer. Purchase any extra coverage that you would need. You may want to ask about an international roadside assistance policy.
Even though auto breakdowns and accidents are bad enough at home, these problems are compounded abroad.
Check with your credit card company. If you purchase your vacation with their card, you may have some coverage.
You may be able to get coverage cheaper as a group rather than individually if you are traveling with a group.
Sometimes you will pay more for less coverage if you buy it through a travel agent who makes a nice commission. This is not always the case but it?s your money. Try to shop around to get the best deal.
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Source: http://forexa.org/the-guide-for-vacation-travel-insurance.html
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