Travel insurance is necessary for your vacation packages and without it all your travel dreams cannot come true. Travel insurance is essential for a traveler as it covers your medical and financial expenses and losses incurred on your domestic or international travel. It’s usually arranged at the time of booking the trip and covers the exact duration of the trip.
Many travel agents offer insurance, as part of their travel packages but it will be worth for you if you arrange it on your own through an online source. You can search for a good insurance policy and choose between single and multi trip insurances. If you plan to travel once in a year, then travel insurance of single trip policy will be suitable. But if you have plans to travel frequently then you can consider taking multi trip insurance policy. Continuous insurance can be bought from travel agents, travel suppliers like tour operators, cruise lines and companies offering travel insurance.
A multi trip insurance policy is commonly referred as annual insurance travel policy and can save big money in the long run. While arranging for insurance policies for travel, be clear with what the insurance coverage is provided along with the inclusions and exclusions. Always remember to look at other things also if you look for a compromise between your travel insurance coverage and the premium to be paid. Never assume that a policy with cheap premium will not offer good insurance coverage. This may work in reverse also. A policy taken at a higher price need not cover all aspects of insurance coverage required by you.
As a traveler you face lot of problems and risks while traveling like loss of property and money, trip cancellation, natural calamities, accidents, occasionally death and terrorist attacks. You cannot prevent these risks or stop your travel plan but you can reduce the risk involved by taking travel insurance policies.
The concept of travel insurance is very simple. You pay a travel insurance premium to the company and they in turn covers for your loss of valuables, accidents and unforeseen things.
The premium you pay for travel insurance covers risks faced on travel like:
There are lots of possibilities for trip cancellation due to unavoidable circumstances and last minute cancellation will fetch you very less amount as refund. Your travel insurance covers such losses and provides the cancellation cost but the reason for cancellation must be part of the agreement you have signed with the company.
If you lose your baggage then the insurance company pays for the baggage cost but again based on the rules of your insurance contract. A travel insurance policy sometimes covers your medical expenses if incurred while traveling. But if you have got health insurance separately then you don’t have to spend again for health insurance during travel.
Generally travel insurance covers other things like accidental death, medical evacuation etc. An important golden rule of all insurance policies is to go through the agreement carefully because most of the time you apply for insurance policies during emergencies. Travel insurance is offered with various options for different types of travelers like student, business, adventure, international and leisure travelers. Travel insurance is also offered for participating in sports involving high risk and traveling to certain countries which have a high risk.
About the Author
Lesley Lyon is an expert in tourism related topics. He contributes articles to http://www.mytoursguide.com, http://www.bestdealsononline.com and http://www.holidayassistance.com
Monday, June 2, 2008
Why Travel Insurance is a Must
Does Your Dog need Dog Insurance?
Dogs are great pets, always pleased to see their owners with this showing by the wag of their tails; they do not complain and are a way to de-stress form everyday life. Many owners find walking their dog one of the most relaxing things they can do and will enjoy the exercise as much as their companion will. Whatever the weather, your dog would follow you without even a whine but never as for anything other than you love in return.
Considering all these facets of a pet it is our duty to ensure that we try and show our pet some of the care and concern that they feel for us and dog insurance can be one of the best ways to show that we care. These policies provided by various pet insurance companies cover a wide range of services starting from accidents, serious illnesses and even routine health care for the pets. Dog insurance plans enable owners of dogs to look after their pets with the knowledge that if anything untoward happens to them they will not have to be concerned about medical fees.
While the huge advancements in pet health have lead to procedures being carried out now that just weren't available a few short years ago, they come at a price which health plans can help offset. It is even now possible for certain pets to have transplants and even the likes of hip replacements which not so long ago were not even thought about. Dogs too are prone to certain specific diseases like enlargement of heart, epilepsy, hip dysplasia which can be even be genetic.
Some of these conditions start after a certain age, often when the dog has become a valued and loved member of the family. So by providing a comprehensive dog insurance policy for your dog you can offset any financial worries that medical treatment may cause and still give your pet the best health care. Even on a regular basis a dog requires close attention to his health in terms of the best foods, nutrients and hygiene; regular check ups can include expensive vaccinations, maintenance procedures such as ear and teeth cleaning, de-worming, getting rid of unwanted mites and ticks and even minor infections.
The purpose of the insurance policy for your dog is to ensure all these regular checks are taken care of without the need for any financial concern meaning you can continue to enjoy their company for a very long time. If such care is taken it will ensure a happy and loving association between the dog and his owner. If you are not sure where to start in your search for a good plan then ask some of your neighbors who have dogs and see if they can advise you on a dog insurance plan that will cover everything discussed here.
About the Author
Brandon is a caring and loving dog owner who currently runs a site dedicated to dogs and house pets at www.thepetcarecenter.com. click here to get the information you need to determine if you dog needs insurance today.
