Article Sphere Logo
Travel Insurance Article

Five Items You Must Check On Your Policy

By Expert Author: Patrick Chong
Word Count: 528 words | Views: 376 view(s)
How many children are covered in your holiday insurance policy?

If you’ve got more than one child then purchasing a family holiday insurance policy can seem like a great way to save money. However, you may want to double check that your whole family is included in your travel insurance policy. Most insurance policies only cover the standard family unit of 2 children, so if you’re a family of five or more then be sure to read the small point as you may need to purchase an additional travel insurance policy for one or more of your brood.

Does your travel insurance include personal liability?

It may sound scary but what if someone is injured and it’s your fault? In today’s society of compensation claims and lawsuits it’s easier to be sued then you may think. If you don’t have a comprehensive travel insurance cover then you’re liable to pay your own legal costs and these can quickly mount up.

Does your holiday insurance cover all the sports and activities that you want to do?

You may be a regular GI Joe that swims with sharks on a Saturday and sky-dives on a Sunday. Unfortunately, that doesn’t make you the regular tourist and as a result many holiday insurance companies won’t cover you. This doesn’t mean that you should tone your holiday down if bungee jumping breaks are you’re kind of thing. Instead make sure the company that offers your extreme sports have their own insurance policy and that you’re covered on it. Of course if you really are GI Joe then you may want to look at getting a more comprehensive holiday insurance policy.

Does your travel insurance policy provide sufficient cover for any medical eventuality and repatriation?

So you’re pleased as punch because you not only remembered to buy your travel insurance, but you actually got a really good deal in your local supermarket when you nipped in to buy some tuna last week. But take another look at it; is it really that good a deal? How much cover does it give you? Some cheap holiday insurance companies only cover up to £2,000 in medical expenses and to be honest this is pretty rubbish. The Foreign and Commonwealth Office recommends that the level of cover should be £1 million for Europe and £2 million for the rest of the world.

Does the policy cover a full refund of your costs if the trip is cancelled or cut short for any reason?

It’s a scenario that doesn’t bear thinking about. But imagine that it’s the day before you’re dream holiday, you’ve packed the ubiquitous wardrobe of summer brights and your fake tan is booked in for the afternoon. Then all of a sudden you get the dreaded call, no it isn’t your mother checking that you’ve packed enough clean underwear. It’s the travel company and your holidays been cancelled. So what do you do? Well there’s little you can do unless your travel insurance policy covers a full refund of the costs and if it does then excellent, book yourself a last minute deal straight away and use the extra cash to treat yourself to an upgrade.
Patrick Chong

About the Author:

Patrick Chong is the Managing Director of Journey’s Travel. Their commercial travel insurance website, Insuremore, offers cheap holiday insurance and a quick and easy online claims feature.

Article Source: http://www.articlesphere.com/Article/Five-Items-You-Must-Check-On-Your-Policy/183552

 This Article has been viewed 376 times.
  

Related Videos



 

Related Articles

 
 

Listed below are more articles related to the above article from the "Travel Insurance" article category.

People interested in the above article "Five Items You Must Check On Your Policy" are also interested in the related articles listed below:

 
Benefits of Buying Travel Plans in India the best as well as cheap travel insurance online if you compare travel insurance quotes provide by various companies. Travel insurance quotes are displayed on the websites of various companies offering travel insurance online.
Reading reviews for insurance companies is one of the best ways to get travel insurance in India. You would get the best and one that suits your requirements and budget. These reviews are easily available on company websites of various leading insurance organizations. You can also go for special online companies that offer reviews for different insurance companies.
For quite some time now, you've saved up your money and vacation time all in preparation for the day that you'll finally get to take that long-awaited trip you've been planning. You're shopped for the right price on your hotel room, looked around for the best price on a plane ticket to get you there and even reserved transportation to get you from the airport to your hotel.
Travel insurance is designed to covers all your risks like holiday cancellation, theft, loss, damage to personal possessions and money, etc. while traveling overseas or within your own country. Read this article to find why travel insurance is important before planning for a tour.
One of the most amazing things about the world today is that you can pretty much travel anywhere you want. Travel has become much more inexpensive and much more efficient than in the past. Thus, it is no longer a luxury to travel internationally. Instead, it is becoming more and more common for people of all ages and backgrounds.
Business travel insurance can often be a high cost item for companies but by checking out online options corporations can save time and money. Business travel insurance is a must if your company has employees or even contractors travelling regularly either domestically or overseas. Without an effective business insurance policy in place companies may be liable for the costs incurred as a result of any illness or injury that befalls an individual on the company's payroll while they are travelling. Without adequate business travel insurance in place the company could also suffer significant financial loss in meeting the costs of any medical or hospital bills.
Backpacker travel insurance is the best way to ensure your carefree holiday remains carefree. With backpacker travel insurance you can be sure to save your money and still put your worries to rest.
Article Directory Home All Categories Insurance Travel Insurance Five Items You Must Check On Your Policy
 

Can't find what you're looking for? Try Google Search!
 
Copyright © 2005 - by Larry Lim, Singapore - Article Search Engine Directory at ArticleSphere.com™
All Rights Reserved Worldwide. All Trademarks and Servicemarks are the property of the respective owners.