A short guide to travel insurance

Travel insurance protects travel costs against adverse events such as cancellation and interruption, as well as medical expenses. To get such a benefit you have to follow the travel insurance guide.

Travel Insurance Guide

Travel Insurance Guide

Many millions of travelers and vacationers buy insurance every year. If you know, was not it enough?

There are four main categories of travel insurance:

1. Health and Medical reasons

Emergency evacuation: This guarantees emergency transport to a reasonable hospital. If the same rules apply to family members, you can also travel home.

Medical reasons: This will reimburse medical and dental expenses. Almost all travel insurance plans, after paying the treatment in place. The lots are usually reclaimed within 7 to 10 business days. For insurance within 21 days from the date, the first payment or number was made.

2. Delays and cancellation or curtailment

Cancellation: The reimbursement takes effect when travelers have booked and paid for vacations, but can not embark on illness, injury, death (the person or a family member), adverse weather conditions, transportation strikes, terrorism, bankruptcy, unemployment sudden, jury service or severe damage to the apartment, which becomes uninhabitable due to a fire or flood.

Delay: This will reimburse the traveler for hotel, food or clothing costs in case of a flight delay. Some plans also cover the costs associated with catching up on a cruise if the traveler does not board due to a longer delay.

Interruption: Insurance companies pay money to policyholders abroad, if they have to stop their trip due to illness, death (of the traveler or family member), terrorism, weather, airline strikes, bankruptcies, Sudden unemployment, and other adverse circumstances mean that due to events that are beyond the control of the tourist, a trip must be restricted.

3. Death:

Accidental death: Covers death or mutilation at any time during your trip. As a general rule, coverage is low due to increased risk

Air accident: This only applies to dismemberment or death during a flight. As a general rule, the coverage is higher due to the relatively low probability of occurrence.

Common Operator: Includes death or mutilation when traveling by public transport such as the plane, ferry, train or taxi.

4. Loss or damage of property:

Lost luggage: The traveler will be reimbursed for lost, stolen or damaged personal items. This coverage is generally limited to the duration of the trip and is not limited to luggage damaged or lost by the airline. There are two policy limits, total and maximum requirement per article. Some guidelines also establish restrictions on the types of items that can be claimed, such as Precious jewelry, laptops, and sporting goods.

Car rental damage: This reimburses the traveler for the damage or loss of a rental vehicle. It is designed so that the traveler can reject collision coverage by accident (CDW) offered by car rental companies. The liability insurance must continue to be acquired through the car rental company. Car insurance coverage is often included on the credit card used to pay for car rental. This is usually identical to the coverage provided in the policy.

Assistance service: Guaranteed a 24-hour pick-up service for travelers. This service can be used at any time a traveler needs advice base on travel insurance guide. Be sure to keep a copy of this number in various places on your luggage or on your person when you move.

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