In last week's post, I talked about the realities of needing travel insurance when taking a vacation or extended holiday. The facts are that many people will not need to use it, but for those that do, it could be a complete game changer.
This week, I'd like to explore the different kinds of travel insurance on the market as it can be confusing for those that never considered it before. The first thing everyone must do is check with their current health insurance provider to see what, if anything, might be covered on your adventures abroad. It might be as simple as paying a few more dollars a month to get the proper coverage. Otherwise, supplementing your home country's insurance plan with travel insurance may be necessary.
Explore the various types of coverage
In the world of travel insurance, there are plans that cover trip interruption, medical care, baggage and belongings and emergency evacuation. It's an uncertain world out there and when you're on the road, there are times when you want your plan to contain all of these different areas of coverage.
Trip Interruption coverage helps you out if, as the name suggests, your trip gets interrupted. Whether it be because you fell extremely ill and couldn't fly, or your airline goes out of business, there are generally plane tickets, hotel rooms, and tour bookings that might be missed, and cancellations often come with fees or non-refundable days. Trip interruption coverage helps to alleviate these unexpected fees.
Medical coverage abroad is probably the most significant form of travel insurance as accidents and illness overseas can easily rack up some bills. Just be sure to double check that the insurance kicks in if you happen to get injured while participating in adventure or sport activities, which is a sector sometimes not included.
Baggage and belongings coverage means the insurance will help to cover the costs of replacing items that might have been lost by airlines, stolen while traveling or just damaged in the process.
Emergency evacuation coverage might be something you don't think you'll need, but if you plan to travel to poorer countries or to remote destinations, then having this can be a lifesaver, literally. If you are injured in a remote location and need to be flown to a hospital, emergency evacuation can help with the otherwise exorbitant fees. If you come down with a bad injury or illness and are in a location with insufficient health care, the coverage can also help to transfer you somewhere better.
Where to look for travel insurance
You can purchase travel insurance from many health insurance providers, or you can look to travel insurance focused companies like World Nomads.
In addition, credit cards often cover a certain level of travel insurance if you happen to book most or all of your travel on the card. Be sure to call your credit card company to find out details as all cards vary. These variations include different amounts of medical coverage, what types of belongings are covered and trip length.
Furthermore, believe it or not, your homeowner's insurance might also play a part in your travels. Some policies will cover your possessions under the policy even while abroad.
I hope that helps you in understanding travel insurance a bit better. Happy and safe travels to you all!
Like us on Facebook for more tips on insurance on other traveler's tools!
Get new posts delivered by email:
Top Travel Deals on RSS
An Unusual Cup of Joe: 4 Unique Coffee Shops To Get Your Caffeine FixComments: 0Rating: 0 / 0
From coffee houses that are part bicycle shop to those that infuse their coffee with Coca-Cola or shut off the Wi-Fi, here are four unique coffee shops across the country to get your caffeine fix....read more
Follow Scotland's Historic Malt Whisky TrailComments: 1Rating: 0 / 0
The world famous and one of a kind Malt Whisky Trail in Scotland passes through seven Speyside working distilleries, as well as a historic distillery and Britain's only cooperage. Though hardly inclusive of the numerous distilleries in the Speyside area, the trailserves as an excellent spine through the region. Indeed, any visit to all of the venues along this stretch of green Scottish countryside would result in plenty of knowledge about a Scottish and a wealth of memories....read more
Spotlight on Spain: FlamencoComments: 0Rating: 0 / 0
One of my most memorable evenings in another country was the one I spent in a flamenco club in Granada. Everything about the performance captivated me, from the intricate guitar melodies to the expressive vocalizations to the precise hand movements and declarative stomps of the dancers. Flamenco is an extremely rich and captivating part of Spanish culture....read more
Stay, See, Savor: 24 Hours in AustinComments: 0Rating: 0 / 0
A dynamic and eclectic city that is steeped in history, Austin is one of the true gems of Texas. You’ll definitely want to spend more than twenty-four hours here, but if that’s all you’ve got, here are my suggestions for where to stay, what to see, and what to savor....read more
5 Big Exhibitions in London NowComments: 1Rating: 0 / 0
This week sees the annual Frieze Art Fair descend upon London. With it comes a scope of art related activities and satellite events across town with some of London's best known galleries taking advantage of this time of heightened buzz to put on their biggest shows of the year. Here's a list of five of the biggest exhibitions around town that are on now and well worth checking out....read more
California: CST #2090295-40, Nevada: SOT #2007-0081, Iowa: SOT #883, Washington: SOT #6027859380010001
Some of the content posted herein are the views and opinions of the individual blogger's and do not represent the views and opinions of OneTravel. It may be the case that OneTravel is partnering with a particular travel supplier mentioned in a blog post, however, all views and opinions expressed herein by parties other then OneTravel are by the respective bloggers.
© 2014 W K Travel, Inc. All rights reserved. Copyright for all material appearing on this website is owned by W K Travel, Inc. Persons accessing this website are authorized to view and print material from this website for information purposes only. Any other use of this material is restricted to non-commercial purposes and must include this copyright notice.
W K Travel Inc. owns the following Trademarks and Servicemarks appearing on this website:
OneTravel, OneTravel.com, and 1Travel. Trademarks and servicemarks for all other products and services appearing on this website are the trademarks and servicemarks of their respective owners.