4 Things to Note When You Buy Travel Insurance Last Minute
insurance last minute? Well, you come to the right place. It can cost
you an extra few thousands of dollars if the cruise or tour operator
goes bankrupt, or if you need to shorten your travel due to sickness or
biggest myth would be that your normal health insurance covers you when
you are away, or that since many travelers visit an area or region,
access to medical care is easy or affordable. Here's a quick guide on
how to buy a good travel insurance last minute.
1. Travel Curtailment
you or any of your immediate family member becomes seriously ill or is
injured during the vacation most insurance companies would reimburse
you for the unused portion of the vacation.
2. Travel Cancellation
would be reimbursed if the tour operator goes out of business. It would
also reimburse you if you have to cancel the vacation due to sickness,
a death in the family or other natural calamity.
Travel cancellation is very different from a Cancellation Waiver that many cruise and tour operators offer.
are relatively inexpensive. They provide coverage if you have to cancel
the trip, but they have many restrictions. They must be purchased when
you book the trip and will usually not cover you immediately before
departure. Most importantly, waiver is not an insurance.
3. Luggage/Flight Delay
feature comes along with a "Time" excess, meaning that the traveler
insurance companies only compensate when the delay exceeds a certain
time frame. The limit for loss of luggage/baggage/flight varies,
usually with a cap for individual items.
4. Claim Procedure
I consider this the most important aspect of buying any travel
insurance last minute. All your claims need to be lodge within a
certain time frame. You would be required to complete and submit a
claim form, which can be obtained from the insurance company.
almost all instances, your claims must be accompanied by relevant
documents, such as medical receipts for medical reimbursement or
hospital cash; a police report for loss of money or personal documents;
an official letter from the airline in cases of flight or lugguage
delay and loss of lugguage if within custody of the airline.
all cases, call up and inform your insurance company immediately for
necessary advice. There you are... now with a basic knowledge of travel
insurance, you are equipped to choose the best travel insurance last minute suited to your travel needs and you are all set to fly!
web site links are listed as a convenience to our visitors. We have
done our best to select only the very best resouces for you. If you use
these links, we take no responsibility and give no guarantees,
warranties or representations, implied or otherwise, for the content or
accuracy of these third-party sites.