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Holiday and Travel Insurance » Information » Travel Insurance Coverage is Quite Important

Travel Insurance Coverage is Quite Important

There are some things which are involved in the topic of travel insurance coverage, things which are not as widely known as they should be.

Travel insurance coverage varies considerably. We all realize that problems can occur when we are travelling, problems that may be simple and easy to remedy or that may be catastrophic. Therefore, proper insurance is of significant consequence when we go far from home. For the easy-to-remedy problems, our regular travel insurance may be satisfactory. However, those more serious situations are likely to happen, and that is the time for adequate insurance coverage.

Without adequate coverage of the proper type, any major negative events may be costly, and the insurance company will not be required to foot the bill. It is important to look over your travel insurance policy before making a significant trip, whether on holiday or for business reasons.

Among the various situations for which we need to be properly insured are loss of baggage, flight or train cancellations, loss or theft of travel documents such as passports, cancellation problems, accidents while in transit, medical emergencies and acts of God such as storms. If a person is not planning to carry enough funds to cover any of these situations, he needs insurance coverage. One should be aware that the Foreign Office may be helpful in such situations, but they will not help out with the finances involved.

Travel Insurance Coverage is Quite Important

According to a report by Norwich Union, there is a false assumption that the European Health Insurance Card will cover any loss from theft or property loss while travelling in Europe. In fact, this card will cover only basic health needs within the EC for hospital care. The new European Health Insurance Card is now required for each person covered, unlike the older version of the card which covered an entire family with only one card.

Travellers from the UK who visit Europe in their own cars need to be aware that their car insurance from the UK does not cover them when abroad. It is necessary to carry "foreign use" coverage. Most UK drivers do not seem to realize this fact. It is wise to go over your own insurance policies with your agent before you travel. He can advise you on any coverage that your present policies have.

Travel insurance cover falls into four categories:

Delays and cancellation. In the case of a flight delay, this reimburses travellers for hotel, food and clothing. Some policies also cover the costs necessary for catching up with a cruise should delays cause one to miss his embarkation. Policy holders will be paid by the insurance providers if they must return to the UK due to illness, death of the traveller or a family member, terrorism, weather, airlines strike, or similar situations.

Travel Insurance Coverage is Quite Important

Health and medical reasons: It provides emergency transportation to a local hospital if the traveller is unable to reach there by himself or back to a hometown hospital. This reimburses a traveller for his local payments. Pre-existing health conditions may be covered; it depends on the type of policy you purchase.

Death of traveller: This covers death or dismemberment while travelling on public transport such as trains, buses, planes or ferries.

Personal effects: This coverage reimburses travellers for lost, damaged or stolen items. The coverage is restricted to the duration of the trip and is not applicable if the baggage is damaged or lost by the airline since airlines have their own coverage of lost or damaged goods.

For an unwary traveller, lost tickets, stolen passports, flight cancellations, accidents and illness are some of the possible negatives for a well planned holiday. On the Internet, there are several websites that offer trip insurance advice, and policies. If you furnish the trip dates, age, and the cost, the websites will provide the list of companies or required information on suitable policies.

Travel Insurance Coverage is Quite Important

Another important considerations is the political stability and safety when travelling in particular countries in the world. For travel advisories from the governments of the countries around the world, the website www.AllSafe.com provides up-to-date information. By entering the name of the country, the country profile and status are displayed. For example, if you plan to visit a particular country, just enter the country name, and the most recent advisories from various sources will be displayed.

There are good travel insurance policies offered on the Internet. One can often arrange coverage by telephone when necessary. Be sure to understand everything before buying the travel insurance policy. Terms and prices of policies can vary extensively. There are also price comparison and term comparison charts online which can help alleviate buying a policy which is not best for you. Since travel insurance is so readily available now, there is little or no excuse for not being covered.

Written on: 23rd January 2008

Written by: Roger Harris