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travel insurance

Travel insurance is insurance that is intended to cover medical expenses, financial (such as money invested in nonrefundable pre-payments), and other losses incurred while traveling, either within one's own country, or internationally.

Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often) travel insurance companies, travel agents or directly from travel suppliers such as cruiselines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies.

Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.

The most common risks that are covered by travel insurance are:

Medical expenses
Emergency evacuation/repatriation
Overseas funeral expenses
Accidental death, injury or disablement benefit
Cancellation
Curtailment
Delayed departure
Loss, theft or damage to personal possessions and money (including travel documents)
Delayed baggage (and emergency replacement of essential items)
Legal assistance
Personal liability and rental car damage excess

Some travel policies will also provide cover for additional costs, although these vary widely between providers.

And in addition, often separate insurance can be purchased for specific costs such as:

pre-existing medical conditions (e.g. asthma, diabetes)
sports with an element of risk (e.g. skiing, scuba-diving)
travel to high risk countries (e.g. due to war or natural disasters or acts of terrorism)

Common Exclusions:

pre-existing medical conditions
war or terrorism - but some plans may cover this risk
pregnancy related expenses
injury or illness caused by alcohol or drug use

Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.

Typically travel insurance for the duration of a journey costs approximately 5-7% of the cost of the trip.

tonalc1 replied: "A travel insurance plan is Named Peril insurance; it only covers you for the perils or events that are listed in its Description of Coverage. If it's not listed (or specifically excluded) it's not covered.Unforseen events covered include: * You, your companion or a family member has a medical emergency or dies *You need emergency transportation / evacuation *Your cruise line, airline or tour operator goes broke (unless the supplier's in bankruptcy now) *Bad weather *A plane crash *Lost, stolen or damaged luggage *You're laid off from your job of at least 3 years' employment *A city you're visiting has a terrorist incident *Cruise ship sicknesses"

dave o replied: "no,not without defrauding someone"

welcome news replied: "No - because you are aware of the fact that you wish to cancel the flight.Also: travel insurance would not cover cancellation in this sort of instance even if you had purchased the insurance policy before your spat. Cancellation is usually limited to very few reasons e.g. illness, death in family, house burnt down, jury service or advised not to travel on medical grounds."

DougF replied: "That would be considered fraudulent in most places. The company would seek to recover any payments and would probably be entitled to prosecute."

Penfold replied: "None of the insurers I am aware of have a policy that will cover this. However, you really should be speaking to your insurer as they have the policy details and know whether they will pay a claim."

Líbano replied: "No, I wanted not to take a flight once, and I carefully read the fine-print of my travel insurance, you cannot!"

b2bhandshake replied: "Agree with tonalc1.You probably cannot cancel your holiday using a Travel Insurance plan because it would only cover accidents (acts of God)"

scientician82 asked: "I am travelling to Syndey this weeked for a holiday from Brisbane. Should I get travel insurance? I have private health insurance. I don't think it is necessary. I have had travel insurance before but this was for overseas travel."

Question posted courtesy of:

iansand9876 replied: "I never get travel insurance for domestic travel. My household contents insurance covers lost or stolen stuff, and my health insurance covers health problems."

cass replied: "One major thing that your health insurance won't cover though is problems with the airline/flight. For example, one trip from Melbourne - Gold Coast couldn't take off because of flooding on the Gold Coast. All that the airline could offer was a flight 2 days later or a credit. My travel insurance picked up the difference (about $350 extra) to change to a different airline and fly into Brisbane later that day.Other things to consider, if you get sick while you're away or even before you are due to go and you can't fly on the day you have booked, if you don't give 24 hours notice you won't be able to change your date on discounted tickets and you then have to forfeit your ticket and buy a new one for when you are well enough. Travel insurance would cover this.Mind you, there are many people out there who don't take insurance for domestic trips, I guess it comes down to whether you have to money to cover it if something goes wrong...."

Normandie asked: "Hi guys. I'm planning a trip to los angeles in June 2010 for 3 months and im trying to calculate the amount of money i'll need.The problem is, i have no idea how this travel insurance stuff works,so how much would travel insurance cost me for this period?Any help appreciated, thanks."

Question posted courtesy of:

b2bhandshake replied: "Check out the website for free online quotes. You may be able to enter your specific parameters and get a quote and even buy the policy online"

Laetitia C replied: "Hey, you could have a look at UKNetGuide, they have a nice travel insurance comparison table...Ideally you would probably look for Single Trip travel insurance to cover you for the specific time you are in the States - they have deals from £5.85 and you could benefit from 10% online discount."

Tom replied: "Try this site for a quick quote on travel medical insurance. TravelEx allows for pre-existing conditions. --->"

antonikkert replied: "Last time I’ve purchased it from Travel Guard I paid $46 for one week. How much it will cost for 3 months? I am afraid it will cost a lot more."

travelers replied: "It varies by where you live, your age, and what type of coverage you're interested in; travel medical or comprehensive travel policies.It's best to review some of the web sites that allow you to quote different plans for the same trip. The best site in the USA for doing this is."

IMT replied: "If you are looking for trip cancellation insurance, the price is usually 7-10 % of the trip cost. The price does vary depending on the number of travelers and the ages of the travelers. Sometimes even the destination plays a part in the final cost.If you just want travel medical and evacuation coverage, the price of the policy will depend on your age and length of the trip. If you are 30 traveling for 3 months, you can find travel medical policies starting at $94. The price will increase if you are older and it should decrease if you are younger. Here is the site I used to obtain the quote:"

vik asked: "I have been comparing travel insurance for two people under 60 for four days in europe. I have checked the excess details and there is no considerable difference between the different insurers. The policies I viewed are almost identicle and where I have seen differences, they are negligible.So why have I seen policies with premiums as high as £30 and some low as £6-£7 (and the insurance is covered by big insurers for the low ones I found too). I looked at the small print and again from what I could make of it, there was no considerable difference.What's the difference then? What am I missing? and if it is as black and white as I can see, then is it worth me just buying the insurance at the cost of £7?"

Question posted courtesy of:

speedball182 replied: "just use an E1 11 form - its freewhatever treatment you have in a European hospital, the NHS will cover the cost.might have to check if it doesn't cover certain things.The differences’ might be the same as Persil and Daz. they are made in the same factory, by the same people, but one is more expensive than the other - why? you can cover two markets at the same time. The more expensive will sell less but have higher percentage profits, the others the opposite - general market stuff i presume."

jacg replied: "Is one for a single trip and the other for a whole year? Or one just European and the other worldwide cover? Or perhaps one covers you for damage/loss? Did you give exactly the same answers to the medical questions in both cases as they may have underwritten you differently?If none of these apply, you will probably be better off with the cheaper one. It is advisable if you are travelling in Europe to get the NHS cover as the person above suggests. You can apply for it online. It's a really simple form and we got our little card jobbies three days later. If you check on the Dept of Health website, it explains on there that there are certain instances where the medical insurance will not cover you if you do not have the E111 equivalent card completed."

Pat replied: "why u want trav insurance...get an ehic card"

onukpa replied: "the premium can vary based on 1. the duration of stay ; you may be buying a one-year or longer duration cover for one,2. based on their biodata one person may have a higher risk rating thean the other in terms of health, age, claims experience etc.,3. one may have a higher limit of indemnity"

Feinschmecker replied: "As someone who's a qualified underwriter and once actually wrote the small print ..................Travel insurance as sold by travel agents is one huge scam.Once one sets aside the stuff sold by travel agents, the difference tends to hinge on three things:1. the method of selling: companies geared up to selling on the internet have very low overheads compared to others2. the strictness of underwriting i.e. how they treat "substandard lives." Some policies are only offered at standard rates to people who in effect have never had a day's illness in their lives. If you've ever been near a hospital for anything or if your parents died before they were 80 you aren't covered, even if they've taken your premium. It's all there in the small print, if you could understand it.3. the claims policy of the company concerned. Some companies keep the premiums low by contesting every last penny of every claim and in effect paying out next to nothing. Others charge more but pay out more readily.Read the small print VERY carefully.For what it's worth -- and it's decades since I worked in insurance and there's nothing in it for me! -- I've usedwith considerable satisfaction. It's an example of the sort of company that keeps the price down by using the internet via a well-designed website.No one company is best for everyone, though, so do your homework thoroughly.If you absolutely must use a travel agent's insurance, then Trailfinders are as good as any of the travel agents' insurance offerings. Nothing at all wrong with it, but there's cheaper out there on the web that's just as good."

buttercup asked: "I'm looking for a basic travelers insurance that will cover accidents and theft to my electronics without huge deductables or insane exclusions. Any recommendations? **I am not looking for renters insurance, just travel insurance."

Question posted courtesy of:

Anon Kirby replied: "Certain credit card companies offer travel insurance when you purchase your flight ticket with their credit card, such as American Express, and maybe Discover Card. So, check with your credit card company and see what they offer.Or, check with your insurance agent (auto, home, etc.)."

travelers replied: "You should look for a "package" travel insurance plan. Those plans include baggage insurance which is a form of property coverage that is limited to personal effects and luggage. Most plans will either limit the amount they will pay for loss of electronic devices or will exclude them entirely. A good site to start with is: However, you're probably not going to have to many options for electronic devices. They haven't been too popular with travel insurance companies in the past several years."

Tom replied: "Checkout their theft rider, and the link for a free quote. "

Homepagehttp://www.travelers.com/About St Paul TravelersTravelers offers a wide variety of property and casualty insurance and surety products and services to businesses, organizations and individuals in the United States and in selected international markets. In addition, the company can meet insurance.. read more

Travel insurance company that offers discount quotes online for Australians traveling overseas and for visitors to Australia.

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Discover has unveiled the first biodegradable credit card available in the U.S., which will begin to break down in landfill conditions and fully degrade within five years. It's also got some great perks for travelers: no foreign transaction fees, automatic car rental insurance, and no annual fee.

Two Muslim advocay groups are critical of the airline saying "It is incumbent on any airline to ensure that members of the traveling public are not singled out or mistreated based on their perceived race, religion or national origin." Bull crap! It's incumbant on the airlines to insure safe passage to their destination.

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