Life and Travel Insurance Advices
» Insurance Travel: The demand for Travel insurance goes beyond fear that terrorist activities could cancel or interrupt trips. The downturn in tourism contributed to the instability of some tour and cruise operators.
Seniors and those with pre-existing medical problems may have health concerns. Parents worry that a child's illness will cancel their dream vacation or cut it short.
As with other types of insurance, travel insurance benefits vary widely.
Benefits can include trip cancellation insurance (TCI), travel delays beyond a certain number of hours, supplier default, terrorism, lost baggage, emergency medical care, and medical evacuation.
If you already have basic knowledge of how to buy insurance online, then forget about asking for a real person, especially if you want one type of coverage, such as flight accident insurance.
Others provide benefits if you're called to military or jury duty, or if the company you work for is involved in a merger or acquisition and your presence is required.
As with other contracts, take time to read the small print. Terrorism coverage, for example, may have unique exclusions that make it difficult to collect.
Specifically, in natural disasters, the claim is most commonly considered to be valid due to language such as "the trip/tour provider or the hotel/resort accommodations were not functioning for a period of 24 hours."
During this emergency, travel insurance companies that I contacted said they were handling cancellation claims on a case-by-case basis and assistance was being provided for alternative travel planning
Trip cancellation coverage also may have some exclusions. The insurance may or may not ante up if you cancel because y
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Life and Travel Insurance Advices
your traveling companion who is not a family member becomes ill at the last minute.
Check to ensure your medical insurance is valid at your destination and enroute, especially if your plan is tied to a local medical group.
Some agents provide a sample policy to review, whereas the Internet does not always answer all questions
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