Thursday, April 9, 2009

Travel Insurance - What To Ask Before Buying It

Travel insurance is essential for those people who frequently travel for their business trip or world tour. This insurance plan brings many advantages for the policyholder such as medical expenses, personal accident, loss of delay of baggage or passport, financial emergency assistance, cancellation of trip or flight and much more. Travel insurance gives a protection cover against loss, injury, damage or expense caused by accident, sickness, theft etc. during the insured person’s trip. It can be arranged at the time of booking of a trip cover.

Today there are numerous travel insurance plans provided by different insurance companies. So an individual should understand different insurance policies. You should select that policy that is only for the number of the days of the trip. This is charged usually on the slab basis. You don’t just compare the prices of the insurance policy, but also ask your Insurance expert for the benefits of the cover, the exclusions on the cover and other features. You should give importance on the claims procedure and the cashless facility. Before purchasing any insurance policy, you should understand the terms and conditions of the policy. You can also check that is that cover for terrorism, hijack distress allowance etc. or not. In other words, if you consider all these things, you can select the best insurance plan for you.

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