Things That Might Not Covered by Your Travel Insurance

Holiday season is coming, and some of you might already have planned how and where to spend this relaxing moment with your family. So prepare your holiday well, choose a trusted and reliable travel agent to arrange your trip, decide wisely where to go and what to do on your destination, prepare your travel documents and things to bring on your trip, and of course, in order to avoid your holiday turned into a disaster, you will need a travel insurance as a protection.

Travel insurance is one of the most important instruments on your holiday, so you better choose your insurance carrier wisely when you decide to buy one. Shop around for the best rate and coverage, and also it is a good idea to look for guidance and tips on how to get the best travel insurance for your journey.

But don’t feel 100% secure just because you already have travel insurance, since there is no insurance that can cover every risk. So do with travel insurance, there are things that most travel insurance will not cover. Knowing these things is important so you can make a preparation in case some of them happen before or during your trip. It’s also useful to help you choose an insurance provider that can give you the most coverage for your travel.

I have compiled from many sources, things that most travel insurance won’t cover as you can see below:

Travel cancellation

Tour operator

Although it is totally beyond your control, but travel insurance will not pay for any expenses you have already made if the travel is canceled by your tour operator. You could ask the tour operator to return your money, but your travel insurance will not pay for any loss you experience regarding this situation neither helping you to get cash back from the tour operator or making a law suit against them.

A tour operator can cancel your trip for some reasons including their internal company problems. That’s why you should carefully choose for a tour operator to avoid this, make sure it’s a good and reliable company.

War or Riot

Usually there are certain types of mess up situation stated in a policy with explanation whether it’s coverable or not. Usually they are; strike, riot, civil commotion, terrorism, and also war, that happens in your travel destination. If the cancellation is made regarding one of those reasons, many travel insurance policies won’t cover.

Death or Illness of a Pet

Animal lovers might cancel their trip because their beloved pet is dead or ill, but don’t expect the insurance company will have a compassion on this situation, this is also the risk that cannot be insured.

Psychological Problem

You cannot cancel your trip for having psychological illness or mental problem without penalty, because for most insurance companies, this is an exclusion of coverage.

Divorce before the Trip

One in a million, but it still could happen. After you bought a tour package and travel insurance, suddenly a problem occurs in your family, then your spouse files for divorce and ruins the whole plan, and you have to cancel the trip. This is also not considered as an uncoverable risk.

Pandemics

If you find out that on your destination there is a pandemic like swine flu or anything like it, you might worry for the sake of your family’s health and decide to cancel the trip. But pandemic is also not a valid reason for trip cancellation, so this won’t be covered.

Visa Refusal

This case sometimes happen, and sadly it always happen after you buy a ticket or book a tour package or at the arrival. Mostly you can only expect cash back from the airline for the ticket, but travel insurance usually won’t cover for this cancellation.

Natural Disaster

Most of travel insurance policies say they will give coverage for trip cancellation if your destination is completely shut down by a natural disaster. But please pay attention to the fine print and read it carefully, usually it says that if the resort or the airport remains open, you will not get your claim paid by the insurance.

Health, Medical Treatment, or Personal Injury

Pre-existing Conditions

This is a common exclusion in many insurance policies, so medical treatment related to that condition during your trip will have to come out of your own pocket.

Extreme Sport

If you wish to do some extreme sports on your destination, the risks won’t be covered by your regular travel insurance. For this, you have to obtain another insurance which is extreme sport insurance or something like that.

Pregnancy and Childbirth

Usually, it is specified under which conditions the pregnancy complications or childbirth is covered. You too have to read the fine print real carefully on this one.

Working Activities

For an insurance company, holiday is holiday, meanings you shouldn’t work or do anything related to it. If you are injured while doing something that is considered a working activity, then the insurance won’t cover it. What is considered to be a working activity is not always that you do something for money, as long as it’s a situation involving manual labor, using power tools or driving heavy duty machinery, it could be considered as a working activity.

Drunk

If you are injure in doing an activity after you have some drinks there’s a big chance that your insurance won’t pay for this. So you better pay attention on this one.

Sexual Behavior

If you suffer a disease or have a worry of your future health condition related to a sexual transmitted infection or unwanted pregnancy for the result of your sexual behavior on your holiday, there’s a big chance that you have to take care of the medical costs for treatments or tests by yourself. Most travel insurance doesn’t cover this health condition.

Medical Repatriation

Many people feel safe when they know that the insurance will give coverage for medical evacuation if they suffer a bad medical condition in some remote area. Evacuation meant to transfer the patient to the nearest area that has a better medical service. But if you need to be transferred back home to get the proper treatment it is called repatriation, and not so many travel insurance will cover this. So you have to read the fine print carefully and find out what it says about it.

Others

Baggage Delayed For Less Than 24 Hours

It’s a good idea to carry the things you need for a day in case there’s a baggage delay. If the delay is less than 24 hours, the insurance won’t cover it. The insurance will only cover for baggage delay for more than 24 hours and it’s valid for outbound flights only, so no baggage delay cover for your flight back home.

Loss or damage to keys, money, documents, tickets, or credit cards

Usually these items are not considered to be as baggage or personal item, so you should keep these items real safe during your journey.

Flight Problems Regarding to Security Threats and Terrorism

Sometimes these issues can cause an airport closing, flight delay or event flight cancellation, and travel insurance won’t cover you for buying another ticket, rerouting tickets, or paying for accommodation for these causes.

I really hope this article could help you to arrange your save and pleasant journey. The most important thing is always pay attention to every detail in a policy and read the fine print carefully, since one single word could determine whether the claims you made can be paid or not, have a nice holiday.

Unravelling the Mysteries of Travel Insurance

Travel insurance can be a fantastic investment when you’re exploring the world, but you should invest time into obtaining the right coverage without spending over the odds. The range of policies available varies, and travelling without one is a risk. Prior to purchasing travel insurance, carefully think over your options.

How It Works:

Travel insurance cover could be purchased for several reasons. Each policy has a specific plan or cover in place, which may mean you need to take on several policies to get the full cover you need. On the other hand, this is beneficial because it can help you get only the type of coverage you want and need rather than having too much.

Be careful when selecting travel insurance. You need to get the type of coverage right for your specific trip. In order to select the right type and amount of travel insurance, take some time to consider the options available to you. There are various levels and also various kinds of policies available to you. Choose a policy that covers you where you are going.

For example, if you are going overseas, the policy must provide protection in that country. Tailor the type of policy you selected based on the needs in that area, too. For example, a trip to San Francisco may give you plenty of health care options, but medical costs in the United States are very high. Should you need to seek out medical care, you will either need to pay in cash or you will need to have a travel insurance that is suitable.

Also, depending on the way you travel, choose the right insurance for you. For example, if you are travelling with a lot of baggage or expensive personal items, you may need to consider more travel insurance than if you were carrying only a small bag. Find a policy that covers the types of activities you plan to do. For some, hiring a car will be necessary which means having insurance to protect you from problems with that car.

It is also important to consider travel insurance that will help pay you back when a trip is not longer possible. For example, you have booked and prepaid expenses at your accommodations, for fare and for tours.

Then, you find out that there is a cancellation needed, but these items may not be refundable. Having cancellation cover can be quite helpful because it will kick in and pay for your costs so you are not out a considerable amount of money.

Don’t Settle:

You may find a travel insurance company available rather quickly to provide you with the insurance you need. The issue, though, can be that the travel cover is not likely to be the most competitive rate available.

One of the biggest mistakes you can make when getting travel insurance is not shopping around. Talk to several insurance providers to find out what they can offer you and which policies are best suited for the type of travel you will be doing. On some websites, you may be able to find an online calculator to help you get a good idea what the costs are.

What Do Policies Cover?

Each travel insurance policy covers something different, so you do have to read the fine print. There are several kinds of insurance available to you, which include:

* Travel insurance for medical and dental needs
* Personal liability insurance
* Rental car excess cover
* Delay cover (if you are facing a delay and need to rent a room, this policy may help cover the cost)
* Legal costs
* Cancellation cover
* Baggage cover
* Loss of income
* Domestic pet cover
* Hijacking cover
* Total permanent disability cover
* Accidental death cover
* Domestic services

There are even some very specific policies for such things as golf equipment and skiing protection. In any case, you need to consider the number of risks you face by going on this trip and then choose the right type of insurance cover for you.

With travel insurance, you do need to be careful and not over buy. Having medical cover is a must for many people, and cancellation insurance can be beneficial whenever there is a reason to believe your trip may be cancelled.

If you are unsure about which type or how much travel insurance you need to have you should work with your insurance provider to get just the right amount. Since you can shop for travel insurance online, it only takes a few minutes to get an idea of the cost for the service. Many policies are not costly due to low risk, for a majority of people. Before choosing an option, carefully consider everything available.

Cheap International Travel Insurance – How To Find The Best Plan

When traveling abroad, one must always take in consideration good and cheap international travel insurance. Travel insurances have now become a necessity when traveling. Many travel companies and insurance companies have coincided so as to make sure they provide the customers with the superb service they truly deserve. There have been many packages that come together with the booking of travels. Several cheap travel insurance can be searched online and offline, through a visit to a well respected travel agency or insurance company. This travel insurance makes sure that a trip is well secured with the assurance that the client will not have to worry about sometimes inevitable situations. Several coverage terms are available for different companies. They key to getting a good deal is through rummaging amidst the plethora of the offers available.

Being well informed of the availability of the offers is one good way to start a deal. Overseas travel is an adventurous risk which could lead to several uncertain situations as well. Countries have different cultures and even their medical systems are quite different from each other. A traveler may have a medical plan but having one does not assure that the international medical needs will be covered. Aside from these, basically, the two main reasons why a person must get cheap international travel insurance is the fact that sometimes, a trip is cancelled or it is delayed. When this happens, the travel insurance can take care of the expenses to be incurred. Cheap travel insurance worldwide is required for security. It will also provide the client the peace of mind he or she deserves when on the trip. Worldwide travel insurance is a must have for every traveler. An ideal plan covers the trip cancellation, medical transportation expense, baggage loss, delayed departure, curtailment, legal assistance or even overseas funeral expenses. However, carelessness will not be taken cared of by the company. The insurance can be arranged upon the time of booking the trip.

Most travel agencies offer cheap international insurance on packages. These packages are based on the traveler’s needs and wants. The traveler is therefore always the one in charge. He or she is the one responsible of choosing the perfect plan to suit his travel.

There are also some travel networks sites on the internet which provide information that is always easy to understand and offer rates that are within your budget. Having cheap online travel insurance can make someone smile without all the worries of unexpected expenses. A couple of them also offer a free and instant quote for the traveler to know what type of insurance he or she is most likely to avail.

There are several types of travel insurance. There is this thing called the emergency evacuation covering the medical expenses, group travel, annual multi-trip for those who travel on a regular basis, international insurance benefits for families and many more. Global travel insurance is the best way to ensure that the trip will be hassle-free.