| 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. |
