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Should You Purchase Travel Insurance?Author: Steve Cogger The determination of whether you should purchase travel insurance is a determination of whether you want to assume nothing bad can happen during your travels, or whether should something bad happen you can adequately resolve these unforeseen events. None of us think something bad will happen. We assume incorrectly that fire, flood, earthquake and terrorism will happen to others. We assume we won't have a heart attack or stroke, we won't be felled by illness. We assume wrong. The question, "should you purchase travel insurance" is perhaps answered by asking yourself why you purchased homeowners insurance, or medical insurance or life insurance. You purchased them so that your consistent small payments would assure you of having someone else provide help in case of a catastrophic event for which you are unprepared. Purchasing travel insurance, just like purchasing any other insurance, is not just about receiving the funds to recover. It's also about having the professional assistance of those who know what has to happen for you and your family to recover, and who do make that happen. It's about cooler heads prevailing. Should you purchase travel insurance? Well, let's look at a few things that could, and do happen, to overseas and even domestic travelers. Then, you decide if you should purchase travel insurance. You're from Minnesota. You've never been to the ocean. You book a hotel room in Florida for a week but you are then ordered to evacuate due to an expected hurricane. But you have non-refundable airline tickets, and your hotel and rental car are already paid for. How do you replace the airline tickets and get reimbursed for your stay? If you had known this was going to happen, what would your answer have been to the question, "Should you purchase travel insurance?" You're on an island in the Caribbean, ready for your cruise back home. You find out that the cruise ship company has gone bankrupt and there will be no return cruise. What do you do? How do you get your money back? Most importantly, how do you get back home? If you had known this was going to happen, what would your answer have been to the question, "Should you purchase travel insurance?" You're ready to take your family on a much-needed vacation to Hawaii. Your daughter is felled by an attack of appendicitis and must have immediate surgery. But your airline tickets are non-refundable. How do you get your money back? If you had known this was going to happen, what would your answer have been to the question, "Should you purchase travel insurance?" About the
author: Travel Insurance – How to Get the Best DealAuthor: chris rowlandsTaking out travel insurance before heading off for a
holiday outside the UK should be an easy task. But how do you ensure
that you get a good deal? Chris Rowlands is a UK-based author with experience within the financial sector centering on insurance. Article Source: ArticlesBase.com - Travel Insurance – How to Get the Best Deal Cheap Holiday InsuranceAuthor: Stuart SmithNow that Christmas and New Year are over, it’s time to start planning your holiday. With the credit crunch biting hard it’s a good idea to start shopping around for good value travel insurance. Don’t just go for the cheapest, take time choosing which cheap holiday insurance best suits your requirements and check the cover first before you buy. There are many types of cheap holiday policies available- single trip travel insurance covers you for a one off trip, annual multi-trip travel insurance is probably better value if you’re a regular traveller and travel more than once a year, whilst backpacking travel insurance is ideal if you’re planning a trip lasting more than a month. 24/7 travel insurance provides you with all three cheap holiday insurance types and offers the protection and peace of mind that you need when travelling abroad. 24/7 travel insurance has been set up with one main aim – to provide online customers with flexible cheap travel insurance cover at the best price possible. Without adequate cheap holiday insurance, the costs for emergency medical treatment and repatriation costs could land you with a hefty medical bill running into many thousands of pounds as these figures demonstrate: £35-45,000 - air ambulance from USA’s East coast £12-16,000 - air ambulance from the Canary Islands £15-20,000 - scheduled flight, stretcher and Doctor escort from Australia Figures supplied by FirstAssist Services Ltd. In Britain we’re used to a good standard of state healthcare which may differ from the healthcare offered in other countries. Medical treatment abroad is likely to be of a lower standard but having cheap holiday insurance will ensure you receive the best medical care available in the event of a medical emergency. The European Health Insurance Card (EHIC) which replaced the old E111 form on 1st Jan 2006 may entitle you to free or discounted medical treatment in a European Union country but remember, it’s no substitute for holiday travel insurance as it does not cover baggage, repatriation or cancellation. Remember your cheap holiday insurance policy may become invalidated if you had an accident or if a situation arose and you went against recommended travel advice. Always check the Foreign Commonwealth Office for information regarding your holiday destination before you travel. When choosing your cheap holiday insurance policy make sure it covers you for cancellation and curtailment. Imagine your disappointment if after months of saving up your hard earned cash, an unexpected medical condition or a situation arose causing you to cancel your holiday or you had to curtail your trip. So be smart and purchase value for money cheap travel insurance as soon as you book your holiday. It’s also a good idea to check that your cheap holiday insurance policy covers your personal possessions and valuable items in the unlucky event they do then get lost or stolen. Misplacing your expensive digital camera can be distressing, sadly the photos capturing your holiday memories cannot be retrieved but at least you may get some comfort in knowing there is a good chance your camera can be replaced by making an insurance claim. Check your household contents insurance policy first as your personal possessions may well be covered already, as some cheap holiday insurance policies will give you a discount if you remove personal possession cover. If you plan on participating in adventurous activities on your trip, make sure you have read your cheap holiday insurance policy summary (Keyfacts) and policy wording beforehand to check you are actually covered to do these. You should also ensure you are covered for personal liability- causing damage to property or a fellow holiday maker can lead to a very expensive court case and medical bill. With the use of the internet these days it is so much easier to compare cheap travel insurance on websites such as Moneysupermarket or confused.com, so you don’t have to buy expensive travel insurance from your travel agent. 24/7 travel insurance offers great deals on all cheap holiday insurance types. Single trip discount travel insurance is available for under £5* so well worth a look! For cheap travel insurance get a quote from 24/7 travel insurance * Premium £4.86 includes Insurance Premium Tax based on an individual traveller aged under 55 taking out a ‘standard’ single-trip policy for 3 days to Europe, travelling within 14 days of departure. Cover details and prices are correct at the time of going to press (January 2009) and are subject to change. About the Author: The author who is enjoying the benefits of Cheap Holiday insurance recommends you to visit http://www.247travelinsurance.co.uk/ Article Source: ArticlesBase.com - Cheap Holiday Insurance
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