When you go on vacation there are so many things to remember and consider, but one thing that hardly anyone considers is travel insurance. No matter how good you are at planning a vacation, there are unexpected things that can happen and this is where travel insurance comes in. It can compensate you for unexpected emergencies. Depending on the length of the stay and the type of travel, there are several types of travel insurance to choose from.
Travel cancellation / interruption coverage: these policies cover holiday cancellations due to sudden illness or death, weather conditions, emergency military service, jury service, before the cruise line departs or airline bankruptcy. Many also include terrorism insurance that will reimburse your expenses in the event that the U.S. Department of State issues a travel advice. This notice will warn people not to travel to a specific country for a certain period of time.
• Medical emergencies: this is useful if you plan to travel to underdeveloped countries. It will also cover people who have a chronic disease that may require medical attention during their trip. The policy will reimburse you for the cost of drugs, medical visits and sometimes cover medical evacuation outside the country. Make sure to check the details with your insurance company why travel health coverage policies vary.
• Non-refundable tickets, you may also be able to get travel insurance which will cover this in case your trip needs to be canceled for several reasons. There are some plans that will also cover lost connections. This can be a real cure in case of flight delay, confusion or overlap of airport terminals.
• Comprehensive insurance package: this is a package for frequent travelers or longer trips. This package offers a variety of coverage and is the best value. Some of these packages will allow you to choose the type of coverage you want to include.
• Cruise ships: this can cover when a cruise is delayed and the traveler has to change the hotel reservation or the trip is interrupted and you have to organize a return trip at the last minute.
Other expenses or situations may also be covered, which may include:
• Having to be flown to a medical facility
• Cost of medical procedures if health insurance is not recognized in the jurisdiction
• Hotel booking problems
• Payment for a hotel in case of flight delay
• Replacement of essential items in case of delay or loss of baggage
• Mistakes in flight arrangements if the traveler was not at fault
• Emergency legal assistance
• Transportation if you need to return home due to an emergency or death of close relatives