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Finding The Right Travel Insurance For Your Trip
by Puela Versiche
http://www.fjfinsurance.com
Travelling broadens the mind - it is a cliche but true.
Needless to say, things do not always run smoothly, so
putting time aside to sort out the contingency - the travel
insurance - helps us concentrate on the mind broadening
aspects of travel and really have a good time.
The first thing to remember is insurance is not an excuse
to behave like a fool. Just because you have travel
insurance does not mean you should do things that you would
not do at home. For instance, if at home you would not ride
a motorized scooter without a helmet, do not do it on
holiday!
It is perfectly possible to get a decent deal on insurance
for travel - the first thing to remember is not to accept
the policy suggested by your travel company or travel agent
without thinking it through - quite possible it will be
neither the best nor the cheapest.
So make a few telephone calls or web inquiries with the
independent travel insurance specialists. Also ask with
your credit card company and the firm that hold your
household policy. Both of these entities may already be
covering you for some elements of your trip. It is good
practice to book flights and so on by credit card for just
this reason - the odds are that you will automatically be
insured for flight cancellations. Check with these
companies anyway, since some companies give good deals to
existing customers.
You should expect an insurance policy for travel to cover
you for theft and loss of property, money and documents.
Most of them place a fairly clear limit on the amount
however, so you should be aware of the value of your
things. Statistically you are unlikely to need use your
insurance policy, so there is no point paying for hundreds
of thousands of dollars of cover if your gear is only worth
a thousand bucks, but equally if your kit is worth a packet
do not skimp on your insurance!
If you have special equipment - very valuable photography
equipment for instance - then take out special insurance.
Tell the insurance company what you want covered - if you
keep quiet then you will probably find the company will not
pay out if you need to claim, so the only person you are
hurting is yourself.
Equally those travellers who enjoy adventure sports - scuba
or motor cross - will need a suitable policy. A lot of
general travel policies will not cover these types of
activities. Not telling the company about your plans means
your cover is invalid - in other words you are without
insurance.
Make sure the medical cover is appropriate for the country
you are visiting. Make sure that the policy will bring you
back home if that becomes necessary.
When taking out a policy make sure that your chosen
provider is easily contactable from abroad in case of
emergency. Furthermore it is always advisable to keep
anything that may make the claim easier for example,
receipts for emergency supplies, medical bills or police
reports etc.
There is no need to leave everything to your insurance
policy, and your holiday will be better if you take
responsibility by keeping a copy of each passport in the
group, noting the check number on your travellers checks
etc. Be smart with your money, and put your valuable things
in a hotel safe. Avoid water that you do not think is
clean, have any injection and take any pills before you go.
Enjoy your holiday.
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