There are many vendors who would try and convince you that going abroad without traveler's insurance is downright foolish. However, most people going on vacation have already invested enough in their travel costs that they generally overlook extra costs they consider frivolous, at best.
Understanding Travel InsuranceTravel Insurance is important to understand, since like health insurance coverage, the customer may be refused coverage. Many insurance companies will offer a surplus of coverage for individuals and families. The company will consider few aspects of the policyholder, by reviewing the risk factors involved. If the policyholder is a high-risk the company may cover the holder, but the premiums will be higher than standard in most instances. Travel Insurance on the other hand, can refuse customers if they pose a high-risk.
How to Choose a Travel Insurance Companyby Mark A Moses
How to Choose a Travel Insurance Company
Travel insurance companies carry a wide and diverse portfolio of travel insurance policies. You name a feature of traveling and there is a company out there that will insure you. Did you know you can even insure a "non-refundable ticket"? There are insurance companies that cover medical costs for backpackers, skiers, divers, and parachutists. There are other companies that will insure baggage, medical insurance, and evacuations from foreign lands. Did you know there is even travel insurance to cover you if the touring company goes bankrupt while you are on your trip?
As you can see, if you need protection for your travel, there is a company out there that will cover you. Now you are probably asking yourself, "With all those choices how do I choose a travel insurance company?" This article should help!
My first suggestion would be to ask around your sphere of influence. Do you know anybody that has traveled overseas or taken an extreme vacation? How about your boss...family members...friends...pastor? Referrals are the best way to choose any company when you are deciding to give them business.
Suggestion number two(2)...call, talk, and ask questions to the following two individuals. If a travel agent helped you make your arrangements, ask them about travel insurance and who they would recommend. The next individual...your family insurance agent. That's right...your family insurance agent. Tell them that you are going on a trip and that you wanted to make sure that your travel and medical needs would all be taken care of while you are gone. They may have just sold you a life insurance policy, but I bet they are concerned about your welfare and even if they don't handle this type of insurance, they'll find somebody for you!
If the above two do not produce any results, I'd then try suggestion number three(3)...the Internet. But I would not just type "cheap travel insurance". You'll get a flood of results. Then you'll be saying, "OH NO! How do I pick from this assortment?" I would narrow it down and try typing "travel insurance (then your city name)". For example, I live in Round Rock, Texas. I typed "travel insurance Round Rock" in my search engine and got back results of local companies that handle this type of insurance.
In summary, buying travel insurance should give you piece of mind. I believe that by using referrals from your sphere of influence, suggestions from travel agents and/or personal insurance agents, and trying to find a local agency, will give you that piece of mind. Not only will it help you relax more, it will give you a chance to ask the questions you want answered. What questions to ask? That's the subject of another article. Stay tuned.
About the Author
Mark A Moses, a former insurance agent has extensive knowledge of the insurance industry. He is current owner and developer of http://www.cheap-insurance-travel.com, a content rich site on choosing travel insurance.
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