A comprehensive travel insurance policy is becoming what could be considered a must-have item for many travelers today, not just for the emergency related benefits provided, but for the non emergency services as well. In addition, those traveling to what are considered high risk countries may even want to augment their standard travel insurance policy with some of the optional coverage many policies offer.
While each travel policy may be slightly different in the terms, limitations and exclusions contained therein, most will share a list fairly standard emergency and non emergency benefits. Emergency benefits typically provide emergency medical coverage, emergency medical evacuation and accidental injury or death benefits. Policies can often be tailored to specific types of activities in which the policyholder plans to be involved such as skiing, backpacking, scuba diving and even various high risk activities such as rock climbing or sky diving.
While standard travel policies may contain stated exclusions related to acts of war or terrorism and situations such as kidnapping for ransom, these exigencies can usually be covered by optional add-on protection. Those planning travel to high risk areas as news correspondents, photographers, missionaries, or even those who will be sailing in areas known to be frequented by sea pirates might do well to consider this extra coverage.
NON EMERGENCY SERVICES
A good travel insurance policy will offer a long list of non emergency services that can make all the difference in the world to having an enjoyable vacation trip. Information and assistance is usually available 24/7 to assist a covered traveler with any unforeseen problems. If a trip becomes canceled for covered reasons, including an airline strike, bad weather or even an erupting volcano, a reliable travel policy will reimburse the policyholder for any non-refundable expenses.
If a trip is delayed, your coverage should pay for the extra expense incurred for food and lodging while stranded. If your personal belongings are lost, damaged or stolen this should also be covered. There’s not much you can do about an unexpected storm causing your cruise to be canceled or the airport from which you’re flying to be closed down, but your vacation or travel investment can be protected and reimbursed should problems occur.
Other non emergency services provided by a travel insurance policy can provide coverage for financial default of the carrier you’ve contracted, coverage for a rental car that becomes damaged and even protection if you miss an airline connection. Many plans found on TravelInsurance.com offer these coverages, making the job of choosing just the right coverage even easier.