By Jacob Hayes
Vacations, may they be weekend breaks or a luxurious travel through eight countries at one go, are presumed to be free from troubles. They don?t always go as planned. Maybe they’re shot down before they get started, when you get sick or your leave is canceled. Maybe you get back to your hotel after a day’s sightseeing and find your room has been ransacked and your luggage is gone. It could be you broke a leg after skiing, got down with a fever, or got yourself into a car accident.
Planning ahead of time can alleviate the concerns when the most awful takes place, even if you do not find such matters amusing. This means searching for the proper kind of insurance should give you utmost protection on your travel. Buying travel insurance is something few people in the US military community in Europe think about, according to a survey on base travel offices. Travel insurance is not popular, said one agent. You have to ask people if they want it. Only about three people in my entire one year and six months of working here, have asked me about insurance.
When thinking of travel insurance you have to consider the insurances you already own like health, automobile and life. Do you have illness or accident coverage while on tour especially when in a foreign place? If not, an additional insurance is worth owning.
There are some vacation deals in Europe that go with accident insurance when bought. Ask the tourist bureau or travel representative if the insurance is included or optional when you book for that ski week. Be sure what it covers if it does.
Don’t overlook travel protection that you have if you are a member of an automobile club. Know the services car clubs propose as a plus to failure assistance. They may include such things as luggage insurance and transportation back home in case of an auto accident that leaves your car un drivable.
While making that vacation drive, you might think that your insurance policy will cover that but then you might have to think twice and be surprised. Before it takes effect, a few auto insurance companies require people in the military to wait for a few weeks due to the fact that they are already doing that.
Many kinds of insurance are specifically available for travel which includes luggage, sickness and accident, aerial travel accident and cancellation of trips insurance. If you made up your mind in wanting insurance, read the fine print on whatever policy you choose. Ask for explanations on matters that you don’t understand. For example, medical insurance often does not include cost of medicine. Travel medical insurance generally is not good in the traveler’s home country, that is, Americans would not be covered in the United States by a travel medical policy.
Paying for insurance that doesn’t cover your needs but covers what you don’t need is a waste of money. The price of the insurance policy is based on the validity time and the amount of coverage you would want. For instance, you’ll be paying $7 a month and in half a year about $32 to insure your luggage for the least eight days for $1000 You’ll be spending up to about $5,000 of suitcase insurance where $135 is good for eight days and $160 for half a year.
There are certain applicable offers by the Air Force on base travel agents who provide a separate policy for suitcase, accident, sickness, aerial travel and cancellation and also more than a few variations of package trip insurance plans. There are comparable travel agencies in terms of total coverage and arrangement costs, but slight variations may occur due to time periods. An example is the different rates of luggage insurance price for eight days one is worth $1,000 at $6 while the other one is worth $ 5,500 at $33.
The availability of trip cancellation and emergency medical evacuation combined family plans are valid after departure only or before and after departure plans. Combined family coverage is $35 per $1,000 for post departure and $50 for pre and post departure, with additional cost of $3.50 and $5 respectively for each additional $100 of coverage over $2,000. The policy on cancellation will not cover unexpected default of a tour operator, airline or cruise line that will result in total loss of services.
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Topics: Travel and Leisure | Comments Off
MLA Style Citation:
Hayes, Jacob "Reasons To Spend Money On Insurance." Reasons To Spend Money On Insurance. 22 Jun. 2010. uberarticles.com. 4 Aug 2014 <http://uberarticles.com/travel-and-leisure/reasons-to-spend-money-on-insurance/>.
APA Style Citation:
Hayes, J (2010, June 22). Reasons To Spend Money On Insurance. Retrieved August 4, 2014, from http://uberarticles.com/travel-and-leisure/reasons-to-spend-money-on-insurance/
Chicago Style Citation:
Hayes, Jacob "Reasons To Spend Money On Insurance" uberarticles.com. http://uberarticles.com/travel-and-leisure/reasons-to-spend-money-on-insurance/
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