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Your Travel on a Shoe String
by: Steve Cogger
travel insurance isn't necessarily about
who's asking the lowest premium. Cheap
travel insurance is about knowing your
choices, perusing all the options and
discarding the coverage you don't need. If
you end up with cheap travel insurance
that doesn't help you out of an overseas
medical or evacuation jam, you haven't
gotten a bargain. However, if you're a
U.S. resident traveling within the United
States you aren't going to need travel
insurance that offers medical evacuation
coverage. If you're touring the country by
car you don't need lost luggage
insurance can offer much more than medical
care while you're traveling. Some of the
other features of some travel insurance
plans are translation services, travel
assistance, lost luggage, trip
interruption, replacement of lost or
damaged eyeglasses, repair of damaged or
stolen rental vehicle, emergency medical
evacuation coverage, flight cancellation
due to bankruptcy of the airline, flight
accident and terrorism.
purposes of comparison there are four
levels of travel insurance coverage - the
most all-encompassing being total trip
coverage. Some of these plans have a
coverage ceiling as high as $500,000.
Along with the above-mentioned travel
catastrophes these plans also provide
payment for return of traveler's remains
to home in the event of death, as well as
emergency dental coverage and
reimbursement for financial default of
your travel agency or any other provider
of your trip, such as cruise company.
level down, comprehensive, can provide up
to $1 million in coverage with some
carriers. The range of coverage incidents
and the ceilings are often a little lower
than total trip coverage, however.
comes to cheap travel insurance there are
two options. You can choose the economy
level of trip coverage or, if you travel
extensively, you may do better paying an
annual premium. You can also end up with
cheap travel insurance if you mix and
match your various issues, choosing only
the coverage you need. You can, for
instance, choose to purchase only flight
ticket protection (in case of trip
interruption, for reimbursement of your
non-refundable ticket). Perhaps you might
want to purchase AD&D (accidental
death and dismemberment) coverage in case
of airline accident. Or you might want to
add, or purchase alone, some cheap travel
insurance for medical care, and/or medical
evacuation. You may choose to add
reimbursement protection for lost or
travel insurance is about making good
choices and buying only what you need as
you need it. It's also about comparison
Steve Cogger is an avid traveler offering
a wealth of travel information. For more
information on travel insurance visit the http://www.1-Happy-Traveller.com
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