Travel insurance really necessary?
The trip is already enough expensive, right? The cost of tourist accommodation, cruises, Hotels, ground, food and activities and Entertainment are already high enough. Do not know about, but hard work for my money and when traveling, I want to keep as much of my money in MY pocket as possible. Is travel insurance, a necessity or luxury? Why not cut a few corners here and there. Why buy something if it is not needed?
My personal answer is, of course, I'm not independently wealthy and can withstand potential financial losses they have incurred and if you require medical care during the journey. Also are not independently wealthy means that I am in the market travel insurance adequate but cheap. I suspect that are in the same position, so you should also insurance cheap travel. If you still do not know the information, you should consider the following.
Did you know that if you get sick or injured while traveling overseas medical plan can cover all expenses, which will be held? If the medical costs are higher than the maximum amount paid medical plan, will be responsible for the difference, unless you have already purchased travel insurance. In fact, you may not even be allowed in hospitals in some countries without confirmation that you have health or medical insurance.
This is true for all users, regardless of age or length of time abroad. Suppose that you fall ill just hours after capturing the axis to your destination. Or Suppose that travel day are made to another country and was injured in a car accident. Or, suppose that one of the children is part of a group, so the class visit abroad, takes poison and requires hospitalization. In all cases, without adequate health insurance will be responsible for costs outside the limitations of the existing medical plan.
Therefore, before going abroad, you need to make sure that should be covered by travel medical insurance that will not break the budget. Verify that the appropriate coverage already has access to the medical plan, employee benefits, or even through your credit card. If the range is sufficient for your needs, the journey may use without incurring additional costs of travel insurance. However, if you do not know your coverage, or if this coverage is inadequate or non-existent, then the next step should be to research and purchase travel insurance coverage you need.
How much you can expect to pay?
When bought my first ticket plane to China a few years ago, it cost around $ 2000 message and my travel insurance cost me over $ 500 because I do not buy cheap travel insurance online.
A few years later, the slightly older and be wiser and my travel insurance to another trip to China cost me much less--about $ 300 in approximately the same scope. The Difference? Before you buy My travel insurance for the second expedition to look for online and got the coverage that I needed at a price, at the right. If I have purchased my travel insurance to the latest journey from my travel agent that has already cost me would be around 600 $ for the journey, and the plane tickets only cost $ 1,500! Not exactly a smart way to go.
So how much will cost? Not as much money as it will cost if you get sick or injured abroad and do not have any insurance coverage travel! This is the obvious answer to the question.
In fact, as long as the costs of travel insurance will depend on Your age and the type of coverage you choose. The basic principles as low as 5.50 USD cost 1,000 cover. On the other hand, can be expected to fully cover the costs of the policy can be from 7 to 10% of the travel costs, depending on your age. The older you are, the more you will pay. Regardless of what the cost of the policy, however, is make sure that may be substantially less than the cost of medical evacuations!
The good news is that the easily conveniently quickly research and Find the perfect but cheap travel insurance online and reduce costs when you make an informed purchase. This is much better than taking what is offered in a travel agency because you can choose from hundreds of travel insurance companies and policies and save you a lot of money in the process. One place you can begin searching is in travel insurance Central [http://www.travel-insurance-central.com]
What to consider when buying travel insurance
To assist in the research, here are some suggestions to help you make an informed purchase.
1. consider the worst case scenario. If you can financially sustain a worst-case scenario, then it may not need travel insurance or you may not have a comprehensive policy.
2. make sure that the policy does not provide sufficient discuss medical/dental coverage, including evacuations in case of need of medical care in the place where the treatment best available is below the standards you are accustomed to in your country. This can happen if you fall ill, the developing countries or even on a cruise ship.
3. check your insurance policies to its possible inclusion. In paying more for what you already have in its policy of the homeowner or tenant, such as theft and loss of cover is not justified.
4. If the frequent traveler, consider the annual or year-round travel insurance policies. Are sometimes called multi-trip travel insurance policies. Regardless of their name, these rules may be relatively cheap compared with single trip travel insurance policies.
5. know what you are buying is read. Make sure you understand what the company considers it a legitimate reason for cancellation or interruption. If the list is too restrictive, you may consider other policy.
6. do not restrict yourself to purchase only from Your journey. This person will probably only have one company product (s) available, and it is for your convenience, but that convenience can be quite costly!
7. Ask a lot of questions about the coverage. Play the game of "what if". Ask for a clear explanation of the terminology. Make sure that the user and company travel insurance are instances of the same language.
8. do not buy insurance by the provider of the transport. If the airline goes bankrupt, the insurance coverage will be?
After You ve bought travel insurance
Note that the travel insurance policy covers you between certain dates, so that a timely start of the journey or the extension of travel without first changing the date of demand for travel insurance policy. Of course, this may cost extra, but it is cheaper than find themselves without coverage when you need it the most.
In addition, it is almost obvious that should bring a travel insurance policy with you when you go abroad. The rules do not consult, if it is sitting on your desk at home. Should also have a phone number, free travel insurance enterprises and other contact information with you wherever you go. You no good If you get sick or anything, and the information needed is sitting in a hotel room. It is also a good idea to regular medical card and information with you.