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A lot of people think that a travel insurance is not necessary for their short holidays. They think all has been organized and planned for the vacation perfectly. All the things like to board the flight, where to stay, how to go to the hotel and when and how to come back would have been included in the plan. This has been done by you yourself or by the travel organization. 

But what is if it is necessary to change the plans and for example get back early by different recently unknown reasons? Or what will be if you met with an accident or you become ill, which of course you have not thought about at the beginning of the travel? The result can be that you end up paying all the medical expenses by yourself which are not covered by the health insurance (if you have the correct one). This is when having a travel insurance which save you for all the unthinkable. It is ever important that you purchase a appropriate travel insurance to protect the investments of the travel.


There exist different types of travel insurance: It is common that most travel insurance enterprises offer the similar packages. Such packages of insurance include basic travel insurance, and comprehensive a travel insurance. There exist a few general types of travel insurance. The coverage and limitations of the insurance are different. The coverage depends on the insurance enterprise. Here are now the most common types of insurances for traveling:

1. The trip cancellation travel insurance

The trip cancellation is the most common and the most important type of insurance for traveling. Because of any so various unforeseen situations your vacation gets cancelled, it is not necessary to worry about the costs of a ticket not being refunded or bear the burden of the money spent. This type of insurance for traveling will cover such non-refundable costs or deposits.

2. The trip interruption travel insurance

This kind of insurance will be used if the vacation become interrupted by any unexpected calamity. Then the traveler has to bear for the lost vacation. The cost you have had will be reimbursed if you have covered before such a trip interruption insurance.

3. The trip delay travel insurance

Such a trip delay travel insurance can also be helpful to incase any break in your vacation plans. Look at this example: If you have to use a connecting flight and you find that this flight has been cancelled or delayed for a lot of hours. What do you have do now? Then often travelers will take the next flight to get home. Then a worrying about the extra cost you have got on the ticket is not necessary. In such cases, if you have included such a trip delay insurance, the money can be reimbursed when the traveler is back home.

4. The travel document loss

If you have got such an insurance it will save the holder from ugly situations such as a stolen or lost passport or other documents. If the traveler will be in a foreign country without the own  passport then everybody can imagine that it will result in a lot of problems. The advantage of a travel document insurance is that there then is no need to run places looking for emergency cash to get it replaced, as such an insurance is prepared to help at such situations.


5. Baggage or personal effects loss or delay covered by a travel insurance

To insure baggage or personal effects loss is also a very normal and common insurance. It will cover  the costs if your baggage is lost or delayed. It also insure if one of your stuff becomes damaged. A very effective and positive kind of travel insurance. But you should look exactly that you are not insured twice. Often such insurances are already include in other bookings like for example the flight booking or if you have book a package, for example a round trip.

6. The medical evacuation respectively emergency transportation travel insurance

In the case you need this medical emergency during your travel, then such an insurance will cover costs like a transportation charge to the hospital and all things which are related to this.

7. Accident or  sickness medical expenses

For the case you fall ill anywhere in any country during the vacation, then the holder of such an insurance do not has to worry about the extra costs which you have to pay. This type of insurance will cover the additional expenses for you.

8. The supplier default travel insurance

Such a special type of insurance will cover all payments or deposits which are lost because of the bankruptcy of a travel company where you have booked. I think you need it very seldom but who has not heard from tourist who not have been able to come home because of the flight agency has closed or a airline which has been close?

13.08.2012



 

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