8 Steps to Verify You Have the Right Travel Insurance

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TRAVEL INSURANCE
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8 Steps to Verify You Have the Right Travel
Insurance

• One of the biggest complaints travellers have
  about travel insurance is that it doesnt pay out
  when they expect it to. In nearly all of the
  cases weve seen over the years it comes down to
  the traveller not understanding what their plan
  covers and, more importantly, what it doesnt.
• Travellers buy travel insurance for all kinds of
  reasons
• Im worried about terrorist attacks and want to
  be protected.
• My parents are elderly and I want to be able to
  get home if they need my help.

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• If I get hurt or sick, I dont want to worry
  about paying a huge medical bill.
• My job has been a little weird lately and Im
  worried about layoffs.
• To be sure you actually have the right travel
  insurance for your trip, follow these steps with
  the plan you already purchased or want to
  purchase.
• Check your plan within the review period so you
  still have time to cancel your policy (for a
  refund) or make changes to get the coverage you
  need.

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• Do a quick health review
• If youve been to the doctor recently is that
  condition likely to recur? If you visited the
  doctor for migraine headaches in the past few
  months, for example, and that condition reoccurs
  on your trip, your medical care while traveling
  might not be covered.
• 2. Check your destination
• To get the latest health and security information
  about where youre going, you have a number of
  sources outside of the standard media coverage.
• To find out the latest travel safety information
  including warnings about the potential for
  terrorist actions, see the State Department
  Website.

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• 3. Check your travel mileage
• How far you travel factors into a number of
  travel insurance benefits. Most travel insurance
  policies limit the coverage unless a traveller is
  going a certain distance from home. For example
• If youre traveling abroad, you are likely to be
  outside your health insurance network on your
  trip. That means you wont have benefits for
  emergency medical treatment without travel
  medical coverage.

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• 4. Know your trip activities
• The activities you do on your trip could render
  your coverage invalid. Travel insurance plans
  typically exclude a number of activities that are
  considered more hazardous than say running along
  the beach in the dark. Specifically activities
  like parasailing, hang-gliding, mountain sports,
  diving and more are excluded from the typical
  plan unless you purchase an upgrade.
• 5. Double check the dates
• In the chaos of planning a trip, the dates may
  get shuffled around a little so you can get the
  best airfare or meet a friend while waiting for a
  connecting flight. The key is to double check
  that the dates you are traveling are the dates
  youre covered for with your travel insurance
  plan.

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6. Verify your layovers Travel insurance coverage
for trip delays and missed connections comes with
the standard caveat that you gave yourself enough
time from the start.
If you schedule a multi-stop flight with tight
connections and the first flight is delayed for
an hour due to mechanical repairs, you could
throw off your entire trip. Even worse, if the
delay means you incur a loss and want to make a
claim on your travel insurance plan they will
verify that you had enough time to make your
connection.
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7. Check the policy limits Every insurance plan
has limits applied to the coverage. The baggage
limits, for example, may not be enough to fully
reimburse you for a lost bag and its contents
(depending on what youre taking with you).
Where the limits really get sticky are when it
comes to medical and evacuation coverage.
Specifically, you want to have enough coverage to
pay for these events should they occur, but you
dont want to pay too much for coverage you may
never use.
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8. Dont make assumptions Dont make assumptions
about your travel insurance coverage. Many
travelers read that their policy covers trip
cancellation, for example, and assume it means
the plan will cover no matter what causes the
cancellation. Getting the right travel
insurance takes a little bit of thinking, some
research, and a careful review of the policy you
choose. Its not hard, but it does take a little
effort on your part. See the 9 Most Expensive
Travel Mistakes Youre Likely to Make for more
details on what to watch out for. Source
http//www.travelinsurancereview.net/2013/09/30/ge
t-the-right-travel-insurance/
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