What are travel insurance and travel accident insurance and what do they entail?
Travel insurance is insurance that is intended to cover financial and other losses incurred while travelling, either within one's own country, or internationally.
Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often)[travel agents, travel insurance companies or directly from travel suppliers such as cruiselines or tour operators.
The most common risks that are covered by travel insurance are:
•Cancellation
•Curtailment
•Delayed departure
•Loss, theft or damage to personal possessions and money (including travel documents)
•Delayed baggage (and emergency replacement of essential items)
•Medical expenses
•Emergency evacuation/repatriation
•Overseas funeral expenses
•Accidental death, injury or disablement benefit
•Legal assistance
•Personal liability and rental car damage excess
•Loss of income
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
And in addition, often separate insurance can be purchased for specific costs such as:
•high risk sports (e.g. skiing, scuba-diving)
•travel to high risk countries (e.g. due to war or natural disasters)
•pre-existing medical conditions (e.g. asthma, diabetes)
Generally, therefore travel insurance covers a traveler's vacation cost against cancellation and interruption while also providing medical, lost or damaged property and travel delay coverage. Travelers are reimbursed if they have to cancel or interrupt their travel. They are also covered should the need arise for emergency medical treatment, medical evacuation and a number of other benefits.
Among many insurance companies, an example is The International Medical Group's (IMG) Patriot family of travel medical insurance which is designed to meet the needs of all people traveling outside their country of citizenship. It provides multilingual customer support and an onsite 24 hours per day - 7 days per week Emergency Medical Staff. The Patriot plans provide coverage for a minimum of 10 days up to a maximum of two years.
Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often)[travel agents, travel insurance companies or directly from travel suppliers such as cruiselines or tour operators.
The most common risks that are covered by travel insurance are:
•Cancellation
•Curtailment
•Delayed departure
•Loss, theft or damage to personal possessions and money (including travel documents)
•Delayed baggage (and emergency replacement of essential items)
•Medical expenses
•Emergency evacuation/repatriation
•Overseas funeral expenses
•Accidental death, injury or disablement benefit
•Legal assistance
•Personal liability and rental car damage excess
•Loss of income
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
And in addition, often separate insurance can be purchased for specific costs such as:
•high risk sports (e.g. skiing, scuba-diving)
•travel to high risk countries (e.g. due to war or natural disasters)
•pre-existing medical conditions (e.g. asthma, diabetes)
Generally, therefore travel insurance covers a traveler's vacation cost against cancellation and interruption while also providing medical, lost or damaged property and travel delay coverage. Travelers are reimbursed if they have to cancel or interrupt their travel. They are also covered should the need arise for emergency medical treatment, medical evacuation and a number of other benefits.
Among many insurance companies, an example is The International Medical Group's (IMG) Patriot family of travel medical insurance which is designed to meet the needs of all people traveling outside their country of citizenship. It provides multilingual customer support and an onsite 24 hours per day - 7 days per week Emergency Medical Staff. The Patriot plans provide coverage for a minimum of 10 days up to a maximum of two years.
posted by bloggerking at
4:20 PM
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