This article will guide you on Travel insurance and why it is necessary for one to acquire travel insurance.
What are the chances you’ll need it?
Answers you need to think deeply about are:
- How willing are you to take risks?
- How much is peace of mind worth to you?
What are the Insurance Basics?
5 main courses on insurance menu:
- Trip cancellation and interruption
- Flight insurance
What I Need To Know About Travel Insurance Policies
- Travel insurance policies available vary by state, and not all insurance companies are licensed in every state. If you have to make a claim and encounter problems with a company that isn’t licensed in your state, you don’t have a case.
- Be aware that some travel insurance, especially trip-cancellation coverage, is reimbursement-only: You’ll pay out-of-pocket for your expenses, and then submit the paperwork to your insurer to recoup your money. With medical coverage, you may be able to arrange to have expensive hospital or doctor bills paid directly. Either way, if you have a problem, it’s wise to contact your insurance company immediately to ask them how to proceed.
- Many major insurance companies are accessible via mobile phone 24 hours a day.
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