Why Travel Insurance Matters

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Why Travel Insurance Matters

Posted On : Jun-10-2009 | seen (742) times | Article Word Count : 701 |

If you’re planning a holiday, you may be tempted to neglect your travel insurance. Indeed, it might seem like a lot of bother and extra cash for something that may not even happen,

If you’re planning a holiday, you may be tempted to neglect your travel insurance. Indeed, it might seem like a lot of bother and extra cash for something that may not even happen, so it’s unsurprising that travel insurance gets ignored by many holiday makers. Underestimating how important travel insurance can be for your holiday, however, can be the mistake that ruins your holiday – put simply, travel insurance acts as the security blanket for your travels.

It’s not really surprising that travel insurance often gets overlooked – when people are already caught up in the hustle and bustle of holiday planning, travel insurance might seem like the least pressing item on the check list. Top of the priority chart are without a doubt flights and accommodation, as you can’t really have a holiday without them, with travel insurance trailing behind and sometimes getting neglected in the stressful run up to your holiday. Often, it is also ignored because it relies on the pessimistic notion that something bad will happen to your holiday. Everyone wants to believe that their holiday will run as smoothly as planned, rendering insurance unnecessary: it’s particularly hard to give up that extra bit of cash if you don’t think it’ll pay off.

However, the ‘ifs and buts’ syndrome should not be enough to turn you against insuring your holiday. Or rather, it could just as easily backfire and result in negative ‘ifs and buts’ that ruin your carefully planned holiday. For example, ‘what if’ you need to cancel your trip at the last minute? And ‘but’ certainly isn’t going to pay your unforeseen medical bills. The slight cost of travel insurance at the start of your holiday will pale in comparison to any unexpected setbacks, and it’s worth its weight in gold in terms of peace of mind.

Travel insurance companies offer policies that cover a wide range of potential setbacks, including medical expenses, cancellation, delayed departure, loss or theft of personal belongings, delayed baggage, and legal assistance. Whilst your holiday may go off without a hitch, in the eventuality that anything does go wrong it is the possession of travel insurance that will reduce stress and ensure that your holiday is remembered for the right reasons.

So just what can travel insurance guarantee you in terms of peace of mind? Well, for many travellers the key bonuses of travel insurance are the cover for medical expenses incurred abroad, and for loss or theft of personal belongings. For example,AA offer up to £10 million in cover for medical expenses per insured person, which can go a long way when you really need it. They also provide up to £1,500 per insured person towards possessions and belongings - it may not bring back your favourite handbag, but itll help you to replace it and move on.

Many insurance companies offer a variety of different options when it comes to travel insurance, with fair rates based upon two conditions: the type of travel you are doing, and the type of traveller you are. As far as the type of travel is concerned, this can be very helpful when it comes to paying for exactly the kind of cover you need - families who intend to spend their holiday relaxing by a sunny beach dont have to worry about paying for the additional risks that, for example, an extreme sports enthusiast might have to consider.

There are also different options available depending on the type of traveller you are. Insurance companies will provide single trip insurance from very low weekly prices, so that you can save money if you know youll only be travelling the once this year. More frequent travellers, however, may prefer annual cover which, for a set rate, will insure them for as much travel within a year as they would like.

You might already have a thousand and one things to think about if you’re planning a holiday, but the sorting out your travel insurance is a key decision that shouldn’t be neglected. There’s no need to think pessimistically about your trip – treat travel insurance for what it really is: a security blanket for your holiday.

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<h1>Why Travel Insurance Matters </h1> Author: <a href='http://www.articleseen.com/profile_Mathew Sabri.aspx'>Mathew Sabri</a> If you’re planning a holiday, you may be tempted to neglect your travel insurance. Indeed, it might seem like a lot of bother and extra cash for something that may not even happen, so it’s unsurprising that travel insurance gets ignored by many holiday makers. Underestimating how important travel insurance can be for your holiday, however, can be the mistake that ruins your holiday – put simply, travel insurance acts as the security blanket for your travels.

It’s not really surprising that travel insurance often gets overlooked – when people are already caught up in the hustle and bustle of holiday planning, travel insurance might seem like the least pressing item on the check list. Top of the priority chart are without a doubt flights and accommodation, as you can’t really have a holiday without them, with travel insurance trailing behind and sometimes getting neglected in the stressful run up to your holiday. Often, it is also ignored because it relies on the pessimistic notion that something bad will happen to your holiday. Everyone wants to believe that their holiday will run as smoothly as planned, rendering insurance unnecessary: it’s particularly hard to give up that extra bit of cash if you don’t think it’ll pay off.

However, the ‘ifs and buts’ syndrome should not be enough to turn you against insuring your holiday. Or rather, it could just as easily backfire and result in negative ‘ifs and buts’ that ruin your carefully planned holiday. For example, ‘what if’ you need to cancel your trip at the last minute? And ‘but’ certainly isn’t going to pay your unforeseen medical bills. The slight cost of travel insurance at the start of your holiday will pale in comparison to any unexpected setbacks, and it’s worth its weight in gold in terms of peace of mind.

Travel insurance companies offer policies that cover a wide range of potential setbacks, including medical expenses, cancellation, delayed departure, loss or theft of personal belongings, delayed baggage, and legal assistance. Whilst your holiday may go off without a hitch, in the eventuality that anything does go wrong it is the possession of travel insurance that will reduce stress and ensure that your holiday is remembered for the right reasons.

So just what can travel insurance guarantee you in terms of peace of mind? Well, for many travellers the key bonuses of travel insurance are the cover for medical expenses incurred abroad, and for loss or theft of personal belongings. For example,AA offer up to £10 million in cover for medical expenses per insured person, which can go a long way when you really need it. They also provide up to £1,500 per insured person towards possessions and belongings - it may not bring back your favourite handbag, but itll help you to replace it and move on.

Many insurance companies offer a variety of different options when it comes to travel insurance, with fair rates based upon two conditions: the type of travel you are doing, and the type of traveller you are. As far as the type of travel is concerned, this can be very helpful when it comes to paying for exactly the kind of cover you need - families who intend to spend their holiday relaxing by a sunny beach dont have to worry about paying for the additional risks that, for example, an extreme sports enthusiast might have to consider.

There are also different options available depending on the type of traveller you are. Insurance companies will provide single trip insurance from very low weekly prices, so that you can save money if you know youll only be travelling the once this year. More frequent travellers, however, may prefer annual cover which, for a set rate, will insure them for as much travel within a year as they would like.

You might already have a thousand and one things to think about if you’re planning a holiday, but the sorting out your travel insurance is a key decision that shouldn’t be neglected. There’s no need to think pessimistically about your trip – treat travel insurance for what it really is: a security blanket for your holiday. About the Author: Visit etravelinsurance.co.uk for your <a rel="nofollow" href="http://www.etravelinsurance.co.uk">student travel insurance</a>. You may find that you need to return home during your trip. Unlike most <a rel="nofollow" href="http://www.etravelinsurance.co.uk/backpacker.asp">backpackers travel insurance</a> etravelinsurance.co.uk allows you to return home up to 3 times during your trip for up to 14 days at a time without voiding your policy. Article Source: <a href='http://www.articleseen.com/Article_Why-Travel-Insurance-Matters_1014.aspx'> http://www.articleseen.com/Article_Why Travel Insurance Matters _1014.aspx</a>

Article Source : http://www.articleseen.com/Article_Why Travel Insurance Matters _1014.aspx

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Visit etravelinsurance.co.uk for your student travel insurance. You may find that you need to return home during your trip. Unlike most backpackers travel insurance etravelinsurance.co.uk allows you to return home up to 3 times during your trip for up to 14 days at a time without voiding your policy.

Keywords : backpackers travel insurance, student travel insurance,

Category : Finance : Insurance

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