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Insuring
Your Travel on a Shoe String
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by: Steve
Cogger
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Cheap
travel insurance isn't
necessarily about who's asking
the lowest premium. Cheap
travel insurance is about
knowing your choices, perusing
all the options and discarding
the coverage you don't need.
If you end up with cheap
travel insurance that doesn't
help you out of an overseas
medical or evacuation jam, you
haven't gotten a bargain.
However, if you're a U.S.
resident traveling within the
United States you aren't going
to need travel insurance that
offers medical evacuation
coverage. If you're touring
the country by car you don't
need lost luggage protection.
Travel insurance can offer
much more than medical care
while you're traveling. Some
of the other features of some
travel insurance plans are
translation services, travel
assistance, lost luggage, trip
interruption, replacement of
lost or damaged eyeglasses,
repair of damaged or stolen
rental vehicle, emergency
medical evacuation coverage,
flight cancellation due to
bankruptcy of the airline,
flight accident and terrorism.
For purposes of comparison
there are four levels of
travel insurance coverage -
the most all-encompassing
being total trip coverage.
Some of these plans have a
coverage ceiling as high as
$500,000. Along with the
above-mentioned travel
catastrophes these plans also
provide payment for return of
traveler's remains to home in
the event of death, as well as
emergency dental coverage and
reimbursement for financial
default of your travel agency
or any other provider of your
trip, such as cruise company.
The next level down,
comprehensive, can provide up
to $1 million in coverage with
some carriers. The range of
coverage incidents and the
ceilings are often a little
lower than total trip
coverage, however.
When it comes to cheap travel
insurance there are two
options. You can choose the
economy level of trip coverage
or, if you travel extensively,
you may do better paying an
annual premium. You can also
end up with cheap travel
insurance if you mix and match
your various issues, choosing
only the coverage you need.
You can, for instance, choose
to purchase only flight ticket
protection (in case of trip
interruption, for
reimbursement of your
non-refundable ticket).
Perhaps you might want to
purchase AD&D (accidental
death and dismemberment)
coverage in case of airline
accident. Or you might want to
add, or purchase alone, some
cheap travel insurance for
medical care, and/or medical
evacuation. You may choose to
add reimbursement protection
for lost or delayed baggage.
Cheap travel insurance is
about making good choices and
buying only what you need as
you need it. It's also about
comparison shopping.
About the Author
Steve Cogger is an avid
traveler offering a wealth of
travel information. For more
information on travel
insurance visit thehttp://www.1-Happy-Traveller.com"
target="_blank">1
Happy Traveller website.
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-
Great Gifts
from Japan -
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Japanese
Puzzle
Box
- Our
puzzle
boxes
are
each
individually
handcrafted
in the
city
of
Hakone,
Japan
and
imported
by us
directly
from
the
artists
offering
the
best
quality
and
pricing
available.
The
skills
have
been
passed
down
through
the
generations
since
the
Edo
Period. |
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Japanese
Sake
Sets
-
The
finest
traditional
glazes
are
used
to
create
these
sake
sets
that
are as
much
art as
they
are
functional.
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Japanese
Sushi
Sets
-
Add an
Asian
flare
to you
next
dinner
of
Sushi
or
Chinese
food.
These
complete
sets
include
everything
you
need.
Plates,
Sauce
Dishes,
and
Chopsticks.
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Woodblock
Prints
- We
offer
a wide
selection
of
genuine
Japanese
Woodblock
Prints
created
by the
Fukui
Asajido
Company
in
Kyoto
Japan
using
the
old
world
techniques.
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