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Travel Insurance - doubt????

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  • Travel Insurance - doubt????

    Hello everyone!!!!
    Do my parents need to have the policy papers with them when they are traveling? I am planning to purcha the policy online and have the papers delivered to the US?
    Needs suggestions.
    Thanks in advance.

  • #2
    needs suggestions!
    suggestions will be greatly appreciated!
    thanks in advance!


    • #3
      Travel Insurance Helps.............

      Hi Every One,
      How are you all? Travel insurance is insurance that is intended to cover medical expenses and financial (such as money invested in nonrefundable pre-payments) and other losses incurred while traveling, either within one's own country, or internationally.

      Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased from travel insurance companies, travel agents or directly from travel suppliers such as cruiselines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies.

      Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.

      The most common risks that are covered by travel insurance are:

      * Medical expenses
      * Emergency evacuation/repatriation
      * Trip cancellation/interruption
      * Accidental death, injury or disablement benefit
      * Overseas funeral expenses
      * Curtailment
      * Delayed departure
      * Loss, theft or damage to personal possessions and money (including travel documents)
      * Delayed baggage (and emergency replacement of essential items)
      * Legal assistance
      * Personal liability and rental car damage excess

      Some travel policies will also provide cover for additional costs, although these vary widely between providers.

      In addition, often separate insurance can be purchased for specific costs such as:

      * pre-existing medical conditions (e.g. asthma, diabetes)
      * sports with an element of risk (e.g. skiing, scuba-diving)
      * travel to high risk countries (e.g. due to war or natural disasters or acts of terrorism)

      Common Exclusions:

      * pre-existing medical conditions
      * war or terrorism - but some plans may cover this risk
      * injury or illness caused by alcohol or drug use

      Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.[1]

      Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.

      Typically travel insurance for the duration of a journey costs approximately 5-7% of the cost of the trip.

      Travel insurance is one of the most essential parts of the extended traveling session that involves the family vacations or the business trips. People should seek to have the traveling insurance secured in the very first opportunity because it simplifies many different hassles of the long traveling.

      Travel insurance is the service that covers the protection of the travelers from all sorts of mishaps or more commonly the emergencies that can take place during the course of the traveling session which can disturb interrupt or completely halt the traveling of the group or individual. The traveler insurers either cover those problems fully or part of it which helps the traveler to a very large extent.

      One of the examples of the traveling insurance requirement is in the delays and also the cancellations of the trip that can occur due to a number of different factors which usually involve the cruise traveling. The Cruise can be delayed or cancelled due to the political or weather conditions and at such situations they don't usually refund the booking and the other matters. With the traveling insurance these gaps are fulfilled very easily. They also cover the traveling expenses that emerge during the transfer from the ports.

      The traveling insurance also helps the traveler in the cases of medical emergencies. If in any case the traveler becomes seriously ill the traveling insurance helps and aids in the arrangement of the journey back home if the condition is very serious. Traveling insurance also helps in the journey back home if some one who is traveling needs to see his ill relative urgently.
      There are many such issues that can be solved with the traveling insurance and therefore it is strongly recommended for any sort of major traveling session.

      Why Travel Insurance is a Must

      Travel insurance is necessary for your vacation packages and without it all your travel dreams cannot come true. Just as you would spend time looking for the best car insurance, travel insurance is just as important. Travel insurance is essential for a traveler as it covers your medical and financial expenses and losses incurred on your domestic or international travel. Itís usually arranged at the time of booking the trip and covers the exact duration of the trip.

      Many travel agents offer insurance, as part of their travel packages but it will be worth for you if you arrange it on your own through an online source. You can search for a good insurance policy and choose between single and multi trip insurances. If you plan to travel once in a year, then travel insurance of single trip policy will be suitable. But if you have plans to travel frequently then you can consider taking multi trip insurance policy. Continuous insurance can be bought from travel agents, travel suppliers like tour operators, cruise lines and companies offering travel insurance.

      A multi trip insurance policy is commonly referred as annual insurance travel policy and can save big money in the long run. While arranging for insurance policies for travel, be clear with what the insurance coverage is provided along with the inclusions and exclusions. Always remember to look at other things also if you look for a compromise between your travel insurance coverage and the premium to be paid. Never assume that a policy with cheap premium will not offer good insurance coverage. This may work in reverse also. A policy taken at a higher price need not cover all aspects of insurance coverage required by you.

      As a traveler you face lot of problems and risks while traveling like loss of property and money, trip cancellation, natural calamities, accidents, occasionally death and terrorist attacks. You cannot prevent these risks or stop your travel plan but you can reduce the risk involved by taking travel insurance policies.

      The concept of travel insurance is very simple. You pay a travel insurance premium to the company and they in turn covers for your loss of valuables, accidents and unforeseen things.

      The premium you pay for travel insurance covers risks faced on travel like:

      There are lots of possibilities for trip cancellation due to unavoidable circumstances and last minute cancellation will fetch you very less amount as refund. Your travel insurance covers such losses and provides the cancellation cost but the reason for cancellation must be part of the agreement you have signed with the company.

      If you lose your baggage then the insurance company pays for the baggage cost but again based on the rules of your insurance contract. A travel insurance policy sometimes covers your medical expenses if incurred while traveling. But if you have got health insurance separately then you donít have to spend again for health insurance during travel.

      Generally travel insurance covers other things like accidental death, medical evacuation etc.

      An important golden rule of all insurance policies is to go through the agreement carefully because most of the time you apply for insurance policies during emergencies.

      Travel insurance is offered with various options for different types of travelers like student, business, adventure, international and leisure travelers. Travel insurance is also offered for participating in sports involving high risk and traveling to certain countries which have a high risk.

      Have a Safe Trip ! ! !

      Shenandoah bed and breakfast