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Travel insurance – choose the right policy and cover
Need to know:
You'll likely buy your insurance from the travel agent, in case you are an occasional traveler. But in case you travel more than two times a year, it is significantly more economical to have one insurance surviving all year round, than buying one each single time you travel. Annual travel insurance readily pays for itself with only a couple of excursions. But not all insurances are worth the same and as constantly most economical is not necessarily the very best. More on this particular later.
|Travel insurance basics||10 things to know on travel insurance|
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|Single Trips||Cancellation cover|
|how much can you save on travel insurance||How to claim on your travel insurance|
How to complain about your provider
Travel insurance faqs
Travel insurance basics
With most packages costing between 5 and 12 percent of the complete trip, insurance prices can change drastically. Age is among the largest factors influencing the cost: Rates go up radically for every decade over 50, while coverage is generally cheap or even free for children 17 and below.
Travel agents advise that you simply get travel insurance (because they get a commission when you purchase it, and since they could be held responsible for your losses if they do not clarify insurance options to you). They are not insurance agents, while travel agents may give you guidance and tips -- always direct any specific questions to the insurance provider.
Coverages available vary by state, and not all insurance companies are licensed in every state. If you have to make a claim and encounter issues using a business that isn't licensed in your state, you do not have a case. Please check that the company is licensed before you purchase any travel insurance cover.
Notice that some travel insurance, particularly trip-cancellation coverage, is reimbursement-only: You Will pay out-of-pocket for your expenses, then submit the paperwork to your insurance company to recoup your money. With medical coverage, you may be able to arrange to have high-priced hospital or physician bills paid. Either way, when you have a problem, it is smart to get hold of your insurance provider immediately to ask them the best way to carry on. Many major insurance companies are accessible by telephone 24 hours a day -- easy when you have troubles in Europe.