Travel Insurance: Prevention Is Better Than Bills

It is really fun going on a holiday trip. You will be so busy strolling around, doing what you do not usually do, like skiing, windsurfing and other activities worth spending your holiday with. The outdoor trip is really fun and entertaining. You are enjoying snowboarding but suddenly you broke your leg. We don’t know when accidents may happen. It is just practical to get a travel insurance plan.


It is really fun going on a holiday trip. You will be so busy strolling around, doing what you do not usually do, like skiing, windsurfing and other activities worth spending your holiday with. The outdoor trip is really fun and entertaining. You are enjoying snowboarding but suddenly you broke your leg. We don’t know when accidents may happen. It is just practical to get a travel insurance plan.

Travel insurance plan is a way to minimize the considerable financial risks of traveling. These risks include accidents, illness, and missed flights, canceled tours, lost baggage, emergency evacuation and getting your body home if you die.



Each traveler’s risk and potential loss varies, depending on how much of the trip is prepaid, the kind of air ticket purchased, your state of health, the value of your luggage, where you’re traveling, what medical coverage you already have and the financial health of the tour company or airline. For some, insurance is a good deal; for others, it’s not.

What are the different types of Travel Insurance?

1. Interruption insurance and trip cancellations. It covers financial penalties or losses you encounter when you cancel a prepaid tour of flight for an acceptable reason. These might include you and your family members who can’t travel because of sickness.

It might also include your business partner or airline that goes out of business or can’t perform as promised. It is also possible to cancel if you have a family member who is sick. For a good reason such as a car accident or inclement weather, you miss a flight or need an emergency flight. In other words, if you or your travel partner breaks a leg a few days before your trip, you can both bail out and neither of you will lose a penny.

And if, a day into your tour, you have an accident, both of you will be flown home and you’ll be reimbursed for the emergency one-way return flight which usually costs far more than your economy round-trip fare and whatever portion of the tour you have not used.

2. Medical insurance cover medical and dental emergencies. Check your health plan before getting a medical insurance because you may be already covered by it. Search for benefits and deductibles and the procedures for reimbursement of the emergency expenses.


3. Baggage insurance is included in the most comprehensive policies but is rare to buy separately. This actually the insurance for your items such as jewelry, eyewear, electronics and photographic equipment. If the airline checked your baggage, it is already covered by the airlines. Homeowners’ insurance is cheaper and you’ll have coverage even after your trip.



4. Flight insurance is crash coverage, is a statistical rip-off that heirs love. It's basically a life insurance policy that covers you when you're on the airplane. Since plane crashes are so rare, there's little sense in spending money on this insurance.

5. Comprehensive travel insurance it covers all, airfare, car rentals, tour etc. it depends on your age. This can be a better deal for travelers with less of the trip prepaid because coverage is the same regardless of the premium you pay. Some comprehensive policies also cover collision damage, which allows you to avoid paying your car-rental company for collision damage waiver CDW insurance.

Never buy travel insurance from companies with no names. Not all insurance companies are licensed. You do not have a case if you claim problems with a licensed company with no license. Most of the licensed insurance companies are open 24 hours.

Getting travel insurance is as good as securing your family’s health. It is making sure that everyone is properly protected, including the loss of your passport, money or luggage, travel delays, missed departures and incurring legal expenses. It is like you are sure you are having a safe trip.

Travel Insurance – Is It Necessary For A UK-Based Holiday?

Just over a month ago, my boyfriend and I decided to visit the beautiful city of Edinburgh for our 5 year anniversary. We live in Dorset, so we didn’t want to spend the whole time traveling. To make the trip easier on ourselves, we decided to fly there and used a travel agent to organize the week-long holiday. Imagine my surprise when I saw an additional £27.50 on the quote for travel insurance! We were only going to Edinburgh, not Pittsburgh!

Just over a month ago, my boyfriend and I decided to visit the beautiful city of Edinburgh for our 5 year anniversary. We live in Dorset, so we didn’t want to spend the whole time traveling.

To make the trip easier on ourselves, we decided to fly there and used a travel agent to organize the week-long holiday. Imagine my surprise when I saw an additional £27.50 on the quote for travel insurance! We were only going to Edinburgh, not Pittsburgh!




I was offended that they thought we would be so stupid as to get travel insurance for a trip within the UK. They have hospitals in Edinburgh, and it really isn’t very far away. But later on, over a cup of hot chocolate, I put some more thought into it.

Holiday disasters can happen anywhere, not just abroad - so I made a list of what could feasibly go wrong:

· One of us could fall ill before we depart, we’d have no choice but to cancel the trip. The flights and the hotel were non-refundable, so we’d have to pay anyway.

· My Grandfather has been ill lately, if he got suddenly worse then I wouldn’t be able to go on holiday. Again, the trip would have to be canceled.

· Either of us could be called up for jury service at any time.

· Flights are delayed and canceled all the time. On top of the inconvenience, we may need to arrange an overnight stay near the airport.

· Anything could happen to our luggage, airlines lose suitcases all the time.

· My boyfriend bought me a wonderful digital camera as a present, if I lost it, it would be very expensive to replace.

Hang on a minute, what about our Home & Contents insurance policy? I bet that would cover us for loss of luggage or my camera as long as I was in the UK. I found the policy and read the small print. No such luck, only ‘personal possessions’ that were listed on the policy counted, so everything in the luggage wouldn’t be covered, and I’d need to make a phone call to get the camera included on the policy.


I remembered something else – we had over 4 years of no claims discount on our Home & Contents policy. If we had to make a claim, we’d lose the no claims discount. Our premiums would go sky high after that, they were already high enough as it is, at £305 a year. I realized that I really should look for a cheaper Home & Contents policy at the time of renewal, and promised myself to do that in future.

After the investigations I had made so far, I realized that £27.50 for a travel policy wasn’t actually too bad.
I’ve never been one to rest on my laurels though. I might have decided that travel insurance was a good idea, but it didn’t mean I was willing to accept the price quoted by the travel agent.

I went online to get some more quotes. The first two or three sites I looked at couldn’t give me what I wanted, but 10 minutes later, I struck gold. I found a single trip travel policy for the UK, and it was a good £10 cheaper than the travel agent’s quote.

I read the small print, no point signing up without knowing all the facts. I was pleased to see all the points I had listed were covered.

Now the exclusions – was it all too good to be true after all? Phew – no need to worry. If the holiday was less than 25 miles from our home address, or for less than 2 nights, then we wouldn’t be covered. No problem there. Otherwise, the only downside was that we’d have to pay the £30 if we needed to make a claim. Fair enough.


Happy with the policy I’d found and with the decision that we did need travel insurance, after all, I bought the travel insurance policy there and then.