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Factors to Consider About Travel Insurance:
Primary elements of travel insurance include: trip cancellation, trip
interruption, accidental death or
dismemberment, medical/dental coverage, transportation to adequate medical
facilities, loss of luggage or personal possessions and protection against the default or bankruptcy of
suppliers. Other insurance options can include personal liability coverage for damages, legal defense,
repatriation of remains, bad weather and many other contingencies.
Shop around, as conditions and costs vary. Determine what insurance you already
have. Homeowner
policies, for example, often include limited coverage for losses away from home.
Medical and auto
insurance policies may also provide some coverage. Some credit cards also offer
insurance options.
Remember that double coverage doesn't bring double protection. Insurers usually
have a provision in
their policies to prevent duplication of payment for the same coverage and
communicate with each other
to pinpoint the extent of their individual obligation to you.
One of the most confusing aspects of travel insurance is the discovery of the
specific pre-existing
conditions that can void your trip-cancellation coverage. Remember that a basic
premise of
trip-cancellation, like insurance in general, is to exclude foreseeable claims.