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Old 04-15-2010, 03:23 PM
Michael Michael is offline
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Default Travel Insurance
Travel Insurance is insurance that is intended to cover medical expenses and financial (such as money invested in nonrefundable pre-payments) and other losses incurred while traveling, either within one's own country, or internationally.

Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased from 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
* Trip cancellation/interruption
* Accidental death, injury or disablement benefit
* Overseas funeral expenses
* 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.

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
* injury or illness caused by alcohol or drug use

Usually, the insurers cover pregnancy related expenses, if the travel occurs within the first trimester. After that, insurance coverage varies from insurer to insurer.[1]

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.
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Old 04-17-2010, 02:34 PM
Ana72 Ana72 is offline
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Travel Insurance is insurance that is intended to cover medical expenses and financial (such as money invested in nonrefundable pre-payments) and other losses incurred while traveling, either within one's own country, or internationally.
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Old 04-17-2010, 06:48 PM
supershine supershine is offline
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I agree, thanks for this post about travel insurances.. Im planning to get one for my summer vacation to dubai.!
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Old 04-22-2010, 02:16 AM
jason_simpson jason_simpson is offline
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A standard travel insurance policy contains many different sections of cover, not all of which everyone needs, but for most people a standard travel insurance policy will cover all the unexpected events that can occur while away from home.
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Old 04-22-2010, 07:47 AM
mings mings is offline
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Attractive forum! I find myself back in your forum.
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Old 04-23-2010, 12:20 PM
Adria.John Adria.John is offline
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Well, travel allowance is necessary when you dont have medical, life insurance covered. when already your life is insured then why you need extra insurance?

No doubt this insurance is attractive, but its good for those who travel frequently and that too in long distances. Occasional travelers may find this not of too much help.
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Old 05-03-2010, 06:03 PM
ghij863 ghij863 is offline
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Old 05-08-2010, 09:28 PM
c0stanton c0stanton is offline
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yeah, travel insurance is overpriced but if you have the money for it, it could prevent a huge disaster.. anything can happen.
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Old 05-15-2010, 12:05 PM
julie20099 julie20099 is offline
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# UNITE have confirmed as of 1700 hrs BST on Monday 10 May 2010 that their BA members will strike from 18-22 May inclusive, 24-28 May, 30 May-3 June and 5-9 June.
# Customers are advised that there may be delays and cancellations between 18 May 2010 and 10 June 2010 and beyond as time tables return to normal.
# Policies that are purchased on or after 1700 BST on 10 May 2010 (when the strike dates were announced by the UNITE trade union) will not provide cover for travel delay / trip abandonment in relation to BA holidays and travel during the affected period. This also applies for existing Travel Insurance customers booking holidays/flights after 1700 BST on Monday 10 May 2010 that involve flying with BA. This applies for the affected strike dates only.
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Old 08-06-2010, 07:34 PM
daughter821 daughter821 is offline
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