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Travel
Insurance
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Travel
Guard International is the industry's leading provider of travel
insurance plans - covering more than 6 million travelers worldwide each
year. Our travel insurance plans offer coverage for vacation and trip
cancellation, travel interruptions and delays, emergency medical and
health expenses, lost baggage and more. Plus, every Travel Guard
insurance plan includes our 24-hour "911" travel emergency service for
emergency medical assistance, last-minute or emergency travel and
flight changes, lost luggage tracking, pre-trip travel advice and more.
Uncertainty is a part of life. What tomorrow holds in store nobody
knows. However the risk of uncertainty can be reduced by insurance.
This is especially true in case of travel accident insurance. Any
experienced traveler can tell about the uncertainties and risks in long
distance travel. Accidents, illness, injury, natural calamities,
terrorist attacks, flight crashes have become part of everyday life
today. What travel accident insurance can do is reduce the financial
burden incase of such calamities.
When buying a travel accident insurance policy few things need to be
kept in mind.
Bundled policy - Usually travel accident insurance comes bundled with
family travel benefits, repatriation of mortal remains in case of
death, accidental death and loss of limbs or dismemberments, medical
evacuation, global medical insurance, trip cancellation/interruption
insurance.
Accidents - Generally accident coverage provides for accidental death
in vehicles, flight crashes, loss of organs like hands, legs or eyes
etc. For these a principal sum benefit of about 25,000$ to 100,000$ is
given by the travel insurance company.
Exclusion - Always read the fine print. Accidental coverage is not
provided in case of drunken driving, driving under the influence of
narcotic substances etc. Exclusions are also provided for accidents
during risky sports like bungee jumping, car racing, scuba diving,
white water rafting, flying (except as passenger in regular airliners),
gliding, skiing, bike racing, diving, mountaineering, windsurfing etc.
that means in case of accidents in these situations the insurance
company is not liable to pay any amount to the insured.
Why you need Travel Insurance - We have all faced the question, would
you like to purchase holiday travel insurance? Many of us, myself
included, are thinking well why would I want to spend more money on
that? I know that I am travelling on this particular date, my vacation
time is booked and there is nothing that is going to stop me.
Let’s think about this…
The thing about travel is that many times, no matter how far ahead we
have booked or how well planned, there are many unexpected things that
can occur, some may be minor things and some may not. Maybe you’ve
experienced setbacks yourself.
Have you ever considered what would happen if;
1) My travel supplier just declared bankruptcy
Considering all the new travel companies that are popping up every day,
not all of them are as financially stable as we think. Having trip
cancellation travel insurance and trip interruption insurance can
protect you and your vacation investment.
2) I’ve become ill and I’m too sick to travel
Many tickets and vacations are non-refundable. If you or another family
member suddenly becomes ill, having trip cancellation travel insurance
and trip interruption insurance allows you to be fully reimbursed
should such a situation occur.
3) You’ve missed your flight connection due to flight delays
There are times (don’t I know it!) that you arrive at your connecting
city but your connecting flight is long gone. You may need a hotel and
meals for the night, or you’ve booked a cruise but your cruise ship has
left, what do you do?! Having travel delay protection will cover the
costs relating to your delay.
4) My wallet or purse has just been stolen
Here is a very real fear that most of us don’t like to think about but
unfortunately, even in the best of places, theft can occur. Knowing
that there are 24 hr emergency services on hand to assist with
reporting lost cards and having emergency funds ready to transfer
ensures that help is always just a phone call away.
5) Holiday Travel Insurance covers you where your Health Insurance may
not Medical emergencies can occur when you are visiting a foreign
destination. Without travel health insurance coverage, you would be
responsible for footing the bill, and chances are, it’s not going to be
a small amount!
These are just some of the many reasons you may want to consider before
declining that offer for holiday travel insurance. If you are booking
online as many people are doing these days, take a look for an online
travel insurance company that can offer you a solution. Make sure to
look for travel insurance comparisons, you will be able to find cheap
holiday travel insurance.
Always remember that travelling is one of the best things in the world,
but as with all good things, there are always unexpected circumstances
that can arise. Holiday travel insurance may be one of the best ways to
protect yourself and your family. For a small fee and the right
insurance travel plan products, you can be rest assured that you are
completely covered to fully enjoy that vacation!
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