Sunday, February 8, 2009

Travel Insurance Jiii

By Roc Selly

Travel insurance is unfortunately viewed as just one of the many extras that the travel agent tries to persuade us to add to our holiday package to assist in boosting his profits. Something that makes our holiday even more expensive than it already is. Where you buy your travel insurance is just as important as which type of travel insurance you choose. Avoid buying travel insurance from your travel organiser. Just like other insurances, travel insurance is optional but be sure to get it at an insurance broker.

Having personal travel insurance to cover you during your travels is certainly a wise idea. The benefit of having a travel insurance policy is that the traveller who has it will be compensated if faced with an emergency which forces them to cancel or interrupt their travel plans. For students, cheap student travel insurance is available and a good idea as well be a means of ensuring your financial safety when you travel abroad to study. For the deal-seeking traveller, Comprehensive Cover is designed to offer the traveller quality travel insurance at competitive prices. Backpacker Travel Insurance covers the more risky traveller as backpacking poses more risks to normal travelling.

The cost of travel insurance is dependent on the length of the trip, the destination and the age of the traveller. Bearing in mind the amount of grief and costly expense that an accident abroad can force upon you, travel insurance is surprisingly affordable.

The way travel insurance is sold is changing. As with all insurance products, the best place to get travel insurance is directly from an insurance company, particularly via the Internet. When buying travel insurance online you can usually save yourself 10% of the cost too.

Medical travel insurance is by far the most important aspect to be considered if travelling abroad and it is highly recommended as different countries have varying degrees of healthcare. Your medical bills can be reimbursed if you have medical emergency insurance while travelling.

Just like any other insurance, travel insurance is also subject to exclusions, such as claims arising from pre-existing medical conditions or when participating in risky life-threatening activities. If you are going to do some extraordinary travelling, like river rafting or parachute jumping, you have to make sure your travel insurance covers activities.

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