Travel Insurance Reviews

Before heading out to your next vacation, you need to stop and think about the consequences involved with traveling.  While people normally tend to be excited over making vacation plans, they also need to realize that accidents can happen and illnesses may occur. Don’t forget about the dangers and risks involved-make sure you add getting travel insurance quotes to your plans.

There are many different companies to choose from, and the internet is a great place to find out about these companies and to get travel insurance quotes from them.  However, you shouldn’t just automatically go with the first cheap policy you come across.  This is because there are some companies that exaggerate their worth.

Take the time to read all the package details, and make sure you understand exactly what each package offers when comparing travel insurance quotes.  Check to see what all insurance agencies each company is affiliated with.  Obviously, the most reliable and trustworthy companies are the ones affiliated with major insurance agencies. Continue Reading

Many sophisticated travellers today make several trips a year, sometimes on very short notice. Multi Trip Travel Insurance is a flexible type of coverage that allows a traveller to leave anytime, to any destination, and still retain insurance coverage. But the flexibility comes at a price, and, as with all insurance contracts, careful analysis is required before committing to any policy.

Multi trip travel insurance is generally an annual contract, allowing a full 12 months of coverage before the policy needs to be renewed. The cost is generally quite competitive compared to single trip travel insurance; it is not the same as simply multiplying one week’s worth of coverage by 52 to arrive at the final full year’s coverage. That would simply be cost prohibitive.

But the cheaper rates that are offered for multi trip insurance are often used to entice customers to the company, then changed during the course of the year. Somehow, insurance companies are able to manipulate contracts to the extent that would be considered illegal in any other type of business, but they have such a stranglehold on government, or are simply willing to pay massive settlements when needed, that they can get away with this kind of behaviour all the time. Continue Reading

A GUIDE TO TRAVEL INSURANCE

Whether you’re planning to take your family to meet Cinderella at Disney World, or do so some serious mountain biking with your buddies in the Sierra Madre Mountains, flight cancellations or hospital visits are never on the itinerary. Travel insurance can deliver piece of mind both while enjoying your trip, and if you’re in a seemingly desperate situation. Not all trips are alike, but they may share some familiar headaches:

• Pre-destination: travel cancellation (e.g. flight, hotel, tours, etc.) due to unforeseen circumstances

• Travel Transportation: missed, canceled or delayed flights; lost, stolen, or delayed baggage; accidents while on common carriers (e.g. planes, trains, busses, boats); rental car damages and disablement (e.g. towing, delivery of gas, etc.)

• Non-medical Issues Abroad: all types of liability (i.e. you damaged something or injured someone); legal costs; hotel burglary; robbery; stolen documents; travel interruption due to unexpected, urgent, or emergency situations

• Medical Issues Abroad: general medical emergencies; sports and leisure injuries; visit to a local doctor; getting prescription medicines; medical transportation or evacuation; dental problems; insect bites etc

Without even knowing it, you may already have some travel protection. This can come from a variety of places. It’s important to read and understand your policies before you travel to make sure you know the extent of your coverage. Print out the details, and take a copy of it with you in your carry-on. Continue Reading