Travel insurance is something you will need on the road. You never know what could happen and most regular insurance plans won't cover you overseas. Check your health care provider to see if you are covered when you travel overseas. If you are not, you should get travel insurance. Moreover, travel insurance also covers the stuff you take on the road, any accidents that might occur, or cancellations that might arise.
When you get travel insurance, make sure you are aware of of what is and is not included. Typically, they include health insurance, trip cancellation protection, and lost and stolen goods. Travel insurance policies do not cover alcohol or drug related problems, or carelessness in handling your possessions and luggage. You wont get reimbursed if you were simply being stupid.
Additionally, travel insurance usually covers health emergencies. Make sure your plan does. If you get sick on the road, you want to make sure you are covered, especially if you are injured during an outdoor trek and need to be airlifted somewhere. You do not want to have to cover the costs yourself. Make sure your insurance company provides at least 500,000 dollars in coverage.
If you make a claim, remember travel insurance companies, no matter how good, are there to make money and will try to avoid paying out as much as they can. Make sure you have all your receipts and necessary forms. Be prepared to wait awhile to receive your money too. Even the best companies drag their feet.
There are many good companies out there. Two of the best travel insurance companies are STA Travel and World Nomads. Depending on your needs and requirements, one of these companies will probably be good for you. Make sure you read the fine print in any contract and agreement because if something does go wrong, you don't want to be the victim of a loophole.
No matter what kind of trip you take, it is important that you buy a travel insurance plan before you go abroad, especially if you are leaving for a long period of time. You never what could happen while in another country, what could get lost or stolen or who could get sick with what. It is better to be safe than sorry for the few extra dollars travel insurance costs per day. It is a wise expense for some peace of mind. - 15437
When you get travel insurance, make sure you are aware of of what is and is not included. Typically, they include health insurance, trip cancellation protection, and lost and stolen goods. Travel insurance policies do not cover alcohol or drug related problems, or carelessness in handling your possessions and luggage. You wont get reimbursed if you were simply being stupid.
Additionally, travel insurance usually covers health emergencies. Make sure your plan does. If you get sick on the road, you want to make sure you are covered, especially if you are injured during an outdoor trek and need to be airlifted somewhere. You do not want to have to cover the costs yourself. Make sure your insurance company provides at least 500,000 dollars in coverage.
If you make a claim, remember travel insurance companies, no matter how good, are there to make money and will try to avoid paying out as much as they can. Make sure you have all your receipts and necessary forms. Be prepared to wait awhile to receive your money too. Even the best companies drag their feet.
There are many good companies out there. Two of the best travel insurance companies are STA Travel and World Nomads. Depending on your needs and requirements, one of these companies will probably be good for you. Make sure you read the fine print in any contract and agreement because if something does go wrong, you don't want to be the victim of a loophole.
No matter what kind of trip you take, it is important that you buy a travel insurance plan before you go abroad, especially if you are leaving for a long period of time. You never what could happen while in another country, what could get lost or stolen or who could get sick with what. It is better to be safe than sorry for the few extra dollars travel insurance costs per day. It is a wise expense for some peace of mind. - 15437
About the Author:
Matt is a lifelong backpacker who has spent many years traveling around the world and has written for a lot of travel publications. For more information, visit his site about how to take travel pictures.
