7 Things You Should Know About Travel Insurance

First off, I am a travel agent and not an insurance expert. This list is general, because there are many variations and plans available. I hope to give you just a little more understanding and knowledge about what kind of questions to ask when looking to purchase travel insurance. What a typical insurance plan covers– Sickness, injury, death, or death in the family. Coverage is for cancellation prior to and during the trip. If you need medical attention, or if there is an emergency back home that would cause you to end the trip early, this is called trip interruption. Most policies provide coverage for your major travel expenses, including some medical coverage, emergency evacuation, and baggage loss or delay. Missed connections due to weather and flight delays are another issue of concern and are covered in many insurance plans. Points to know: • To be covered for pre-existing medical conditions, you must generally purchase insurance within 2 weeks of deposit. This is true even if you are just putting down a $100 deposit on a $2000 trip and final payment is 8 months away. Lately, though, some cruise line insurance plans will let you purchase the policy when you make final payment. • In some cases, especially for travelers over 70 years old, a cruise line insurance plan can be quite a bit less than one offered by...

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