What is Travel Insurance?

Posted on | December 23, 2009 | 18 Comments

In order to decide whether you need travel insurance or not, you must first understand – what is travel insurance?

Travel insurance is a short term or temporary insurance that, depending on the terms of the plan you choose, can provide coverage for the medical and financial expenses due to sickness, accident, loss or damage of luggage during travelling. Travel insurance serves a varied clientele such as students, businessmen, leisure travelers, adventure travelers and many others. There are three important types of travel insurance. They are:

1. Accident or health travel insurance:
This travel insurance typically provides coverage for any accident or illness that you might sustain during the period of travel. It generally covers expenses related to hospitalisation, intensive care, surgery and outpatient treatment.

2. Trip cancellation travel insurance:
There are situations wherein the person misses his flight due to bad health or needs to cancel his flight. This travel insurance typically ensures that your money is refunded to you.

3. Medical evacuation travel insurance:
It might happen that the hospital in which you are admitted is not able to treat you properly. In such cases, medical evacuation becomes necessary to remove the patient safely and quickly to his own country. As medical evacuation is very expensive, this travel insurance can provide a great financial help to the patient and his family.

Getting an international travel insurance plan is important but, you should choose a travel insurance plan as per your travel needs. You should read the travel insurance plan carefully to ensure that it covers you and the activities you will do on your holiday.

These days, you can find various travel insurance companies that offer travel insurance plans designed to meet different requirements and budget. If you want to save your time and get the best travel insurance plan, you can look for the travel insurance quotes available online. You can simply visit the websites of travel insurance companies, check the terms of the plans they offer and fill in their application form to get travel insurance quotes within a few minutes. Whatever method you adopt to use, making sure you have the appropriate travel insurance plans for yourself, is the best possible way to help in having a trouble-free and memorable travelling experience.

Comments

18 Responses to “What is Travel Insurance?”

A_ing
December 23rd, 2009 @ 10:45 am
bestiockerone
December 23rd, 2009 @ 10:54 am

hermosisimooooooooo !!!
Normandie
December 23rd, 2009 @ 11:08 am

Try this site for a quick quote on travel medical insurance. TravelEx allows for pre-existing conditions. —> http://www.travelex-insurance.com/index.asp?location=07-0018
jdepluva10
December 23rd, 2009 @ 11:09 am

lemme just say… you are my new hero.
Akachubbi
December 23rd, 2009 @ 1:44 pm

Omfg, it just looks like a picture
BennyIsip
December 23rd, 2009 @ 4:02 pm

superb!!
genteel41
December 23rd, 2009 @ 8:00 pm

There are some good travel insurance companies. Get ones that pay your expenses or pay you in cash. Dont get ones that make you take another trip or give you a voucher to travel again with them.
I only buy insurance if the trip is WAY more than I can afford to lose.
Read the fine print of the policies before you purchase.
scuba snack
December 25th, 2009 @ 7:40 am

You can get a refund if your insurance covers illness as a reason for cancellation. Different policies cover different contingencies. The way you would prove illness is by a note from your physician.

InsureMyTrip.com is one site that has comparisons among policies. I'm sure there are others.
buttercup
December 25th, 2009 @ 7:57 am

Checkout their theft rider, and the link for a free quote. http://www.travelex-insurance.com/index.asp?location=07-0018
Rick B
December 25th, 2009 @ 10:31 am

It could very well be true. Although they are different countries to where you are, we are in the UK and when we book to go to Ireland the company we book with insists on having our insurance details. Besides, as the first answerer says…they would be daft to travel without it as the cost of treatment is far more than the cost of the insurance. Accidents do happen…believe me, I broke an elbow last year, and a few weeks after that was healed I broke my foot…if I had been abroad I would have been in sh*t street without insurance!
glitter
December 25th, 2009 @ 2:34 pm

healthquotes.awardspace.info – here is my health insurance plan. As I remember they can provide such a service.
0oxHAPPYxo0
December 25th, 2009 @ 8:55 pm

Beautiful video!
ouleixia
December 25th, 2009 @ 9:38 pm

Here are some links-
I had a similar situation- I was living in the Caymans Islands, no longer a Canadian resident, and wanted to travel for the summer. But every policy required that Canadian citizens be insured in their home privince, which I no longer have as non-resident. IMG was the only one I found, but as you DO have Canadian insurance, this will be easy for you. There are lots of short-term plans.

https://www.imglobal.com/travelinsurance/index.cfm?show=&&CFID=1718830&CFTOKEN=d9392e2d0226f2d2-EC75C061-1143-EBE5-76B31862584AA777

http://www.internationalsos.com,
http://www.travelexinsurance.com,
http://www.ijet.com,
http://www.travelassistance.com,
http://www.wallach.com,
http://www.travelguard.com,
http://www.independenttraveler.com/resources/article.cfm?AID=48&category=8,
http://www.ricksteves.com/plan/tips/insurance.htm.
Edward Appleby
December 26th, 2009 @ 1:02 pm
emptyroomrecords
December 26th, 2009 @ 1:17 pm

You are amazing!
GargameL434
December 26th, 2009 @ 2:11 pm

hi all everybody plz watches in my videos and rating .. plz plz plz !!!!!
ohsuckitup2
December 26th, 2009 @ 2:21 pm

wow!
WitchyLioness
December 26th, 2009 @ 7:25 pm

I always love your art. Now I love your music

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What is Travel Insurance?

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