Travel Insurance – What It Might Cover

When going on vacation there are so many things to remember and consider but one thing that almost no one considers is travel insurance. No matter how good you are at planning a vacation there are unexpected things that can happen, and that is where travel insurance comes into play. It can compensate you for unforeseen emergencies. Depending on the length of stay and type of trip, there are several type s of travel insurance to choose from.

• Trip Cancellation / Interruption coverage-these policies cover vacation cancellations due to sudden illness or death, weather, emergency military duty, jury duty, prior to departure of cruise line or bankruptcy of airline. Many also include terrorism insurance that will reimburse your expenses in the event that the US Department of State issues a travel warning. This warning will advise people not to travel within a certain country for a certain length of time.
• Medical emergencies-this is useful if you plan to travel to underdeveloped countries. It will also cover individuals who have a chronic illness that may require medical attention at some time during their trip. The policy will reimburse you for the cost of medications, doctor visits, and it may sometimes cover medical evacuation out of the country. Make sure you check with your insurance company regarding the details because travel health coverage polices vary.
• Non-refundable tickets-you may also be able to obtain travel insurance that will cover this in the event your trip has to be cancelled for many different reasons. There are some plans that will even cover missed connections. This can be a lifesaver if there is a flight delay, confusing or over crowded airport terminal.
• Comprehensive insurance package-this is a package for frequent travelers or longer trips. This package provides a variety of coverage and is the best value. Some of these packages will let you choose what type of coverage you want to include.
• Cruise ships-this can cover when a cruise is delayed and the traveler has to change their hotel reservations or the trip is cut short and you have to arrange a trip home at the last minute.

Other expenses or situations may also be covered, which can include:

• Having to be airlifted to a medical facility
• Cost of medical procedures if your health insurance is not recognized in the jurisdiction
• Hotel booking issues
• Paying for a hotel if your flight is delayed
• Replacing essential items when luggage is delayed or loss
• Errors in flight arrangements if the traveler was not at fault
• Emergency legal assistance
• Transportation if you need to return home due to emergency or death of close relatives

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Some Common Misconceptions About Business Travel

Whenever you come across a business traveler walking around the airport, there are many thoughts that cross your mind. Let me begin by warning you, a lot of these might be wrong.

Business travelers face plenty of challenges. Always racing against time, they are constantly going from one airport to another, catching one flight to another. Lack of sleep, longer than expected working hours and sometimes even skipping meals are what a lot of travelers can tell about their trips. Naturally, it is not easy to cope up with such a routine and only the toughest manage to survive.

Traveling faces a lot of misconceptions. Here are some of the top of these.

1. It's Always about Pleasures

Typically, whenever you hear of business travelers a lot of people think this trip is all about pleasures. Of course, all they can think about at that time is a paid trip, free air travel and all the other expenses.

It's true that most of the companies pay for the entire trip. However, it's way more than free meals and a stay at luxurious hotels. A business travel person often have to sacrifice a lot of their leisure time in order to meet deadlines and fulfill tasks.

2. They Travel in Style

It's true that business travelers mostly have a charismatic personality and no matter how many insomniac days they've lived, they'd always travel in style. But the definition of style for many is entirely a different one. When you think of business travelers, you are automatically inclined to think that they must be traveling through the luxurious classes of the airline and staying at the most royal hotels.

The truth is, not many companies are able to afford this. Many business travelers commonly fly through the economy class and stay at the budgeted hotels.

3. Formal Clothing

It's always desired to arrive at a meeting looking your best. However, the luggage restrictions can often make it hard to carry your best suit to a foreign land for the business meetings. It's a huge relief that the businessmen all around the globe understand this restriction.

So the next time you're eager to spot a traveler, they don't always have to be in a suit to qualify as one. A fine looking pair of trousers and dress shirt would do an equally good job. A suit is no longer a qualification criterion of being a businessman.

4. A Lot of Work is Done

Of course, the trip is planned to get certain projects fulfilled. However, this is not always the case. Business traveling may not be always as successful as what the company has planned.

At times, business trips mean no work actually gets done. However, that trip might open more pathways to future successes. The trip might keep you very busy, but the company might not get the desired results.

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A Guide to Buying and Using Travel Insurance

Is Travel Insurance Really Necessary?

Travel is already expensive enough, isn't it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don't know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in my pocket as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it's not really needed?

My personal answer is, of course, that I am not independently wealthy and can't withstand the potential financial losses I would incur if I require medical care while I'm traveling. Not being independently wealthy also means that I'm in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance. If you're still not sure about that, consider the following.

Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased travel insurance. In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance.

This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.

Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won't break your budget. You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card. If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of travel insurance. However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the travel insurance coverage you need.

How Much Can You Expect To Pay?

When I bought my first plane ticket to China a few years ago it cost around $ 2000 round-trip, and my travel insurance cost me over $ 500 because I didn't shop around for cheap travel insurance online.

A few years later, a little bit older and wiser, and my travel insurance for another trip to China cost me much less – about $ 300 for …

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