Saturday, January 24, 2009

Travel Insurance Jiii

By Roc Selly

For a lot of people travel insurance is simply one of the many extras that the travel agent tries to persuade us to add to our holiday package to assist in boosting his profits and to make our holiday even more expensive than it already is. The first rule of buying travel insurance is where you buy it and you should never buy it from the travel agent through which you've booked the holiday. Like any other insurance, travel insurance is optional.

Having personal travel insurance to cover you during your travels is certainly a wise idea. The benefit of having a travel insurance policy is that the traveller who has it will be compensated if faced with an emergency which forces them to cancel or interrupt their travel plans. For students, cheap student travel insurance is available and a good idea as well be a means of ensuring your financial safety when you travel abroad to study. For the deal-seeking traveller, Comprehensive Cover is designed to offer the traveller quality travel insurance at competitive prices. Backpacker Travel Insurance covers the more risky traveller as backpacking poses more risks to normal travelling.

The cost of travel insurance is dependent on the length of the trip, the destination and the age of the traveller. Bearing in mind the amount of grief and costly expense that an accident abroad can force upon you, travel insurance is surprisingly affordable.

The way travel insurance is sold has changed. With all insurance products, the best place to get travel insurance is directly from an insurance company, especially online. When buying travel insurance online you can usually save yourself 10% of the cost.

Medical travel insurance is by far the most important aspect to be considered if travelling abroad and it is highly recommended as different countries have varying degrees of healthcare. Your medical bills can be reimbursed if you have medical emergency insurance while travelling.

Travel insurance is subject to exclusions, such as claims arising from pre-existing medical conditions or when participating in risky life-threatening activities (just as most insurances are). If you plan on doing some extraordinary travelling, like river rafting or abseiling, you have to ensure that sure your travel insurance covers these activities.

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