When planning and budgeting for a trip many travelers might assume that travel insurance is optional. But in order to properly protect your family, your belongings, and the money invested into your trip, travel insurance is vital.
We help you to find out your requirement and provide the best solution at an affordable rate. What is it, exactly? Why is it so important? And what can happen if you travel without coverage? These are all important questions that both occasional and avid travelers need to know the answers to because the risks of traveling without appropriate travel insurance can be significant. There are a few essential questions that will ensure your insurance purchase is a wise choice. Here is a summary of the answers you should expect to your questions about travel insurance coverage.
Always ask about exclusions or those circumstances and instances that are not included in the policy. For cancellation coverage, your ticket may not be covered if a family member gets sick. Or only certain portions of the amount you prepaid may be covered (your airline ticket is included for instance, but not the hotel or charter that is booked at your destination). Ask about pre-existing conditions too. If you have a chronic illness or have been diagnosed in the past, you may need written disclosure from your doctor beforehand to establish your state of health. This applies to both cancellation and travel health insurance. Get details and provide the insurance company with all of the relevant documents before you leave on the trip. Find out what the deductible will be. This is the amount you will be responsible to pay no matter what happens. For example, if your policy has a $250 deductible, you must pay the first $250 (or any amount up to that figure) in medical bills. A higher deductible generally means a lower rate for your policy, so take this amount into consideration when comparing quotes.
If your trip involves the possibility of risky or dangerous sports or activities (mountain climbing or scuba diving for example), you will need to ask whether the policy will cover you in those instances. The insurance company may raise the rate or refuse to cover you because of the risk levels, but it’s important to disclose that information ahead of time. To once again compare traveling to driving a vehicle, there are many days when your trip in the car is uneventful. But your auto insurance is always actively protecting you and the other drivers around you. The same thing applies to travel insurance. If you don’t have coverage, any accidents, emergencies, losses, and cancellation costs will come out of your pocket. With a good travel insurance policy, you are protected at all times from the moment your trip is booked to the moment you return home.
Feel free to contact us.