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Get Free Peace Of Mind When You Buy Your Travel Insurance.

Jul 13, 2008
We all look forward to our annual vacations and considering you pay for it all in advance; the average tourist puts themselves at risk from all manner of problems that could befall the vacation before and during it. Even now, many tourists do not believe that the cost of travel insurance is worth it and put everything at risk by traveling without it.

Many hundreds of things can stop you from going on your vacation or interrupt it and whilst insurance money is not the answer to everything, it does help if you are away from your home in a foreign country and for less than ten percent of the total cost, can you afford not too? An illness, accident or other unforeseen circumstance can force a traveler to cancel or interrupt their plans and that instance they face two major losses: nonrefundable deposits and medical expenses not covered by insurance.

Remember that if you cancel at the last minute for any reason you will lose all the money you have paid out with no recourse. Travel insurance cover will allow for situations like this along with emergency repatriation, medical expenses, stolen or lost luggage, airline delays and many more incidents that can become expensive.

The worst situation is where you have to cancel your trip almost at the last minute at the potential loss of thousands of dollars but travel insurance will cushion the cost of this. If you look at a travel insurance package that does not contain a trip cancellation section then it isn't worth using that insurance company because if that happens, you need to know you can claim the money back.

Most trip cancellation plans also include refunds when a trip is interrupted and will include other trips that deposits have been made for. With terrorism on the increase, this is a section of travel insurance to watch out for as some policies will only cover for acts of terrorism when you are in a foreign country.

Although it has been mentioned that the cost of travel insurance is usually under 10 percent, this can vary and the biggest factor to this s the age of the traveler. Always a fear with people is whether the person they have booked the vacation with will still be operating when they travel but if you have arranged your travel insurance within 15 days of paying the deposit you should be able to claim back all costs if they cease trading.

To save some costs however, it is worth checking any other policies you may have that will cover other aspects of the rip otherwise you will be paying for them twice. This is well wroth checking as there is no point covering the same area twice as all it does is increase the cost.

The fine print on insurance policies can be confusing but is necessary to check as you may be laboring under the false belief that you are covered on areas of the travel insurance for another policy but are not insured at all.
About the Author
The author is a travel enthusiast and in his site on China Travel Info, he has covered the different China attractions like The Great Wall Of China, The Forbidden City, Beijing travel and many more
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