Types of Travel Insurance Policies

Travel insurance is a good thing to have, especially if you're heading overseas. By having coverage, you can protect yourself financially in the event of unfortunate circumstances. There's no way to predict whether or not you will get sick or be injured while traveling, or whether or not your luggage will get lost or stolen. While these things may not happen and many people experience ideal travel experiences, it's better to be safe than sorry. Keep reading to learn more about the basic types of travel insurance policies available and how they can help you.

Trip Cancellation Coverage: With trip cancellation, you are protected financially if you need to cancel your trip due to circumstances beyond your control. In your policy, these circumstances will be strictly detailed. They may include your own injury or illness, or that of a travel partner. Natural disasters that affect your travel plans may also be considered. Along with trip cancellation, you may also want trip delay and trip interruption coverage as well. This type of policy provides reimbursement for non-refundable expenses and deposits paid for tours, packages or charters.

Medical Expenses and Evacuation: This is one of the best types of travel insurance you can have. If you become ill or suffer injury, travel medical insurance can help cover your costs. These costs might include your hospital stay, ambulance transport, air evacuation, inpatient expenses, outpatient expenses, prescription drugs, dental emergencies and more. Exactly what is covered will depend on the policy you purchase. Sometimes, you will pay your expenses out of pocket, then request reimbursement from your insurance provider after providing proper documentation.

Baggage and Personal Effects: This type of insurance covers the cost of your luggage if it is damaged, lost, delayed or stolen. Often this type of coverage comes as part of a larger policy that covers a variety of other things as well. The amount of coverage you will receive on your baggage and personal items will be specified in your policy.

Single and Annual Trip Coverage: These two types of travel insurance policies are examples of broad spectrum policies which may cover many things like trip cancellation, medical, and baggage. Single trip insurance covers you for just that, a single trip. Annual trip insurance gives coverage for every trip you take in one year and can help frequent travelers save money.

Copyright 2006 Jim Sterling - All Rights Reserved

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