Friday, February 6, 2009

Travel Insurance Jii

By Roc Selly

Travel insurance is unfortunately viewed as just one of the many extras that the travel agent tries to persuade us to add to our holiday package to assist in boosting his profits. Something that makes our holiday even more expensive than it already is. Where you buy your travel insurance is just as important as which type of travel insurance you choose. Avoid buying travel insurance from your travel organiser. Just like other insurances, travel insurance is optional but be sure to get it at an insurance broker.

We strongly recommend that you have personal travel insurance while travelling. The highlight of having travel insurance is that the traveller who avails of it will be compensated if in case they need to cancel or interrupt their travel. Even if you are a student, getting your own cheap student travel insurance is a good investment. Student international travel insurance is a means of ensuring your financial safety when you travel abroad for study purposes. Comprehensive Cover travel insurance is a product specifically designed for the traveller who wants quality cover at competitive prices. Backpacker Travel Insurance is for backpackers who travel on a budget and are aware of the potential risks involved whilst travelling.

The cost of travel insurance is dependent on the length of the trip, the destination and the age of the traveller. Bearing in mind the amount of grief and costly expense that an accident abroad can force upon you, travel insurance is surprisingly affordable.

With all insurance products, the best place to get travel insurance is directly from an insurance company and with the times, has changed to being a particularly easy product to buy online where you can usually save yourself about 10%.

Medical travel insurance is by far the most important aspect to be considered if travelling abroad and it is highly recommended as different countries have varying degrees of healthcare. Your medical bills can be reimbursed if you have medical emergency insurance while travelling.

All travel insurance (just as most insurance is) is subject to exclusions, such as claims arising from pre-existing medical conditions or when participating in risky life-threatening activities. If you plan on doing some unusual activities on your travels, such as mountain climbing or scuba diving, make sure you have purchased a travel insurance policy that covers you for these activities.

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