Insuring Your Travel on a Shoe String
Cheap travel insurance isn't necessarily about who's asking the lowest premium. Cheap travel insurance is about knowing your choices, perusing all the options and discarding the coverage you don't need. If you end up with cheap travel insurance that doesn't help you out of an overseas medical or evacuation jam, you haven't gotten a bargain. However, if you're a U.S. resident traveling within the United States you aren't going to need travel insurance that offers medical evacuation coverage. If you're touring the country by car you don't need lost luggage protection.
Travel insurance can offer much more than medical care while you're traveling. Some of the other features of some travel insurance plans are translation services, travel assistance, lost luggage, trip interruption, replacement of lost or damaged eyeglasses, repair of damaged or stolen rental vehicle, emergency medical evacuation coverage, flight cancellation due to bankruptcy of the airline, flight accident and terrorism.
For purposes of comparison there are four levels of travel insurance coverage - the most all-encompassing being total trip coverage. Some of these plans have a coverage ceiling as high as $500,000. Along with the above-mentioned travel catastrophes these plans also provide payment for return of traveler's remains to home in the event of death, as well as emergency dental coverage and reimbursement for financial default of your travel agency or any other provider of your trip, such as cruise company.
The next level down, comprehensive, can provide up to $1 million in coverage with some carriers. The range of coverage incidents and the ceilings are often a little lower than total trip coverage, however.
When it comes to cheap travel insurance there are two options. You can choose the economy level of trip coverage or, if you travel extensively, you may do better paying an annual premium. You can also end up with cheap travel insurance if you mix and match your various issues, choosing only the coverage you need. You can, for instance, choose to purchase only flight ticket protection (in case of trip interruption, for reimbursement of your non-refundable ticket). Perhaps you might want to purchase AD&D (accidental death and dismemberment) coverage in case of airline accident. Or you might want to add, or purchase alone, some cheap travel insurance for medical care, and/or medical evacuation. You may choose to add reimbursement protection for lost or delayed baggage.
Cheap travel insurance is about making good choices and buying only what you need as you need it. It's also about comparison shopping.
About the Author
Steve Cogger is an avid traveler offering a wealth of travel information. For more information on travel insurance visit the 1 Happy Traveller website.
Written by: Steve Cogger
More Travel Destination Articles, For Vacationers
Looking for Luxury Hotels for Less in Australia
The Commonwealth of Australia is the largest island on earth and the smallest continent.
It also boasts to being one of the most progressive nations in the world with one of the oldest civilizations. It is made up of a variety of landscapes, including tropical rain forests, the deserts of the outback, snow-capped mountains, rolling expanses of pastoral land and magnificent beaches. Read this article. . .
Exploring The Tanami Track #2
The road surface from Yuendumu to the Western Australia border, although corrugated, is very good and driving this section of the Tanami Track is fairly easy. One must still keep alert for washaways and patches of bulldust, either one of which can cause you grief if you run into them unexpectedly. Read this article...
5 Tips To Spend The Most Luxurious Caribbean Vacation You Ever Dreamed Of!
Tip #1 : Buy a beach front Caribbean villa! Buying Caribbean beach front property can range from a bargain to outrageous. This does not mean that the cheaper Caribbean beach front property is any less beautiful or luxurious than the more expensive ones, but rather means the location is different. . .Click here to read..
|
