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What does one need to know while purchasing travel insurance

Travel insurance is soon becoming an indispensable provision to have while going on a business trip or traveling with the family on a vacation. This insurance provides coverage to an individual in the events of baggage loss, trip delay or cancellation, medical hassles and other kinds of travel-oriented occurrences.
Travel insurance policies are generally available in various forms. While purchasing a travel insurance policy one can add a coverage that might be useful and drop out a coverage that seems to be unnecessary.

While obtaining a travel insurance policy one needs to be aware of a few important factors in order to acquire a policy with optimum benefits at an optimum price.

Travel Insurance Policies Are Simple Base Coverage Plans

While purchasing a travel insurance policy, one needs to find out what the plan consists of. Only looking at the price of the plan is not sufficient. The policy premium will go on increasing with an increase in the coverage areas being added to that particular policy.

The Policy May Have Deductibles

A travel insurance coverage can have deductibles just as other kinds of insurance plans do. This implies that the buyer of such a policy will pay a certain premium to initiate the period of coverage but may have to pay a particular amount of money, or deductible, if he wants to collect on a specific portion of the coverage. It is wise of a buyer to look out for deductibles connected to different parts of the coverage before finally buying a certain travel insurance policy. On many occasions, deductibles linked to each part of the plan are enormously high. It is then advisable to look for a different travel insurance plan.

Reading the Fine Print is Important

One should ensure that no condition or clause goes unnoticed. Often certain restrictions apply to certain kinds of coverage. The buyer should be fully aware of every condition and clause before signing up for a policy.
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Comments

  1. gJanuary 19, 2009 at 5:08 AM

    Hi friend, just added your blog to my blogroll. Great meeting and look forward to getting to know you, cheers michael

    ReplyDelete
  2. John McClellan - 4 Minutes Of FameJanuary 21, 2009 at 9:17 AM

    Good advice! I have followed the blog and linked it from both my blogs:
    http://4minutesoffame.blogspot.com/

    http://boozecoma.wordpress.com/

    ReplyDelete
  3. ChrisJanuary 21, 2009 at 10:57 AM

    Thanks for your comments!

    ReplyDelete

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