In the past, how to get travel insurance was a long and involved process that consisted of many phone calls back and forth with insurance companies that either would give you a no-obligation quote or would ask for your credit card number so they could wire money from their international travel insurance processing agency to your home office. These days however, that has all changed. You can get instant online travel insurance quotes in just a few minutes right on your computer. In addition, those same online travel insurance quotes can be used by any of your insurance company’s agents anywhere in the world. So now the question is, “How to get travel insurance?”
Types of Travel Insurance – Most commonly known as Travel Insurance, these are very important because they cover medical care, loss of luggage, rental vehicles, trip cancellation, delays, and other unforeseen circumstances that can happen before you even leave the airport. These types of Travel Insurance policies are usually offered by Travel agents, but can also be found on the Internet. For example, Global Travel insurance provides coverage for those traveling outside of the USA.
Different Types of Travel Insurance Policies – Most Travel insurance policies will cover different aspects of your trip, including medical expenses, flight cancellations, trip interruptions, and others. There are some that are specifically designed to cover particular travel risks, such as skiing, scuba diving, or other sports-related injuries. Others cover all travel expenses, regardless of the cause. And then there are travel medical insurance policies that will cover major medical expenses during the duration of your trip.
Travel Medical Insurance – Medical travel medical insurance provides coverage for emergencies and the costs of treatment that occur while you are traveling. The most common types of policies are comprehensive and catastrophic, with some covering minor medical issues. When shopping for travel medical insurance, it’s important to review the policy and select those that will suit your needs. Some of the factors that affect premium are: the person’s age, health history, pre-existing medical conditions, personal belongings carried, destination or time of travel, personal belongings stolen during travel, the policy’s coverage for lost belongings, and medical emergencies.
Personal Effects & Luggage Cover – Most travel insurance covers lost, damaged, or stolen personal items. Other factors that affect premiums are the amount of luggage that is carried, the value of the belongings, the place where the luggage is stored, the amount of coverage provided, the number of people who will be named in the policy, whether the policy covers loss during a flight delay, inland travel, or even for some car rentals. It’s also important to know what the policy covers for in the event that your belongings are lost or stolen. Some of the most common items covered include jewelry, cameras, cash, watches, important documents, and medical treatment.
Treatment for Illnesses & emergencies – Cruise ship injury cases are on the rise. If you have an emergency while on the water, you may be sued if another person’s medical treatment comes at too much of a cost to you. Most cruise travel insurance policies cover medical treatment for minor injuries, ranging from mild muscle pain to major medical emergencies. However, you should research the medical care available in the different ports of call you are traveling through as some are better equipped to provide emergency medical care than others. The policy should also outline for which medical providers the policy covers should you need medical care.
Destination & Time of Travel – The type of port of call you choose to go through when looking for cruise travel insurance policies cover can affect coverage. The more specific the policy the better. For instance, most policies cover travel up to seven days per year. Cruise lines also have tiered policies, where in the more expensive packages you take, the higher your deductible.
Evacuation Insurance – Similar to medical treatment, when you need evacuation from a sinking ship, there is a chance that some of your belongings might be left behind. If this were to happen, the company you are traveling with would pay for your fare to the nearest port of departure and would supply your luggage. Usually, cruise lines won’t provide for this type of evacuation policy, unless you have taken one before. If you have, it is wise to inform your travel insurance company. It is rare for a cruise line to not offer such an evacuation policy; in fact, the policy is almost like an added bonus.