Miscellaneous types of travel insurance

Upon buying your travel insurance, usually you will check out for the most common covers, such as medical cover, cancellation cover, injury and accidents, etcetera. However you might want to check out other less-obvious extras offered by your travel insurance package as well, such as but not limited to:

Evacuation insurance, covers the cost of getting you to a place where you can receive appropriate medical treatment in the event of an emergency. (In the worst-case scenario, this can mean a medically equipped — and incredibly expensive — private jet.) This is usually not covered by regular medical insurance. Sometimes this coverage can get you home after an accident, but more often, it’ll just get you as far as the nearest major hospital. “Medical repatriation” — that is, getting you all the way home — is likely to be covered only if it’s considered medically necessary. Ask your insurer exactly what’s covered before and after you get to the hospital.

Keep in mind that medical and evacuation insurance may not cover you if you’re participating in an activity your insurer considers to be dangerous (such as skydiving, bungee jumping, scuba diving, or even skiing). Some companies sell supplementary adventure sports coverage.

Baggage insurance is included in most comprehensive policies, but it’s rare to buy it separately. Baggage insurance puts a strict cap on reimbursement for such items as jewelry, eyewear, electronics, and photographic equipment — read the fine print. If you check your baggage for a flight, it’s already covered by the airline (check with your airline for its luggage liability limit; if you have particularly valuable luggage, you can buy supplemental “excess valuation” insurance directly from the airline). Check if your homeowners’ or renters’ insurance covers baggage (with a “floater” supplement, if necessary, for international travel) — it may be cheaper, and you’ll have coverage even after your trip. Travelers’ baggage insurance will cover the deductibles and items excluded from your homeowners’ policy. Double-check the particulars with your agent. If your policy doesn’t cover railpasses, ­consider buying the $14–18 insurance deal sold with the pass.

Flight insurance (crash coverage) is a statistical rip-off that heirs love. It’s basically a life insurance policy that covers you when you’re on the airplane. Since plane crashes are so rare, there’s little sense in spending money on this insurance.

Collision coverage for rental cars — may be included in some comprehensive travel insurance plans or available as an upgrade on others.

So check out whether your travel insurance policy offers any extra for you, and whether you need them for your upcoming trip!

Winter Sports Travel Insurance
Thousands of tourists flock down to the snowy mountain sides of Europe and North America to engage in some cool winter sports. The popularit...
Why Do You Need A Good Travel Insurance
Whether it's your trip, your possessions, your luggage, or your health, travel insurance — and most important, the right kind of travel insu...
Travel Insurance on Terrorism
Read your travel insurance policy wording carefully. If a war breaks out, or there is a terrorist act occurring during your trip, are there ...
What Your Travel Insurance Will NOT Cover for You
Buying travel insurance can become a major headache, simply because it usually comes with rows of fine prints on what is covered and what is...
How Not to Use Your Travel Insurance
Even though you may have purchased a complete travel insurance package, it is still important to make sure that you take care of your posses...
Legal Expenses Cover in Travel Insurance
Legal cover will account for a set amount towards any legal costs incurred from death, illness or injury caused by a third party during your...
The Tell Tale of Travel Insurance Gone WRONG
There was a story about an Australian living and working in Thailand who accidentally let his travel medical insurance lapse. One morning, h...
Why Buying Travel Insurance is Never Too Expensive
The joy of travelling is such that it relieves tension and provides a great sense of relaxation for millions. People do enjoy themselves whi...
The butterfly effect...
I had tickets to see Janet Jackson in Berlin and I was so excited to finally go to Europe! In order to save money and because there was no d...
What Might Ruin Your Asian Vacation
Taking a vacation is always associated with positive and fun connotation, and usually people are reluctant to prepare for the worst. However...
Common mistakes when travelling abroad (Part 1)
Watch out travellers! Below are the common mistakes that you are prone to do when travelling abroad. Take not and try to avoid these silly b...
Common mistakes when travelling abroad (Part 2)
Here are some other common mistakes that you might want to avoid when you are wandering the globe! 6.     Sticking to the tourist trail ...

Sorry, comments are closed for this post.