Sunday, March 29, 2009

Your Guide to Travel Accident Insurance

By Lucille Green

When traveling abroad, either in connection to your work or in connection with your studies, in most cases, even if your trip is for pleasure, it is advisable to get a travel accident insurance policy covering international travel. Today's travel accident policies are also used to protection lost or stolen luggage, delays, personal belongings as well as the usual medical emergencies including urgent evacuation.

It may be time consuming to search, compare and choose the best travel and medical insurance types and prices to suit your needs and budget but it is well worth it for your peace of mind. Contrary to popular belief, travel agents are not generally educated on travel and medical protection details so when you are looking into your travel accident insurance, it would be a good idea to bear this in mind. An splendid source of info is the World Wide Web with numerous web sites that will give comparisons of policies and of course all you have to do is source the policy that best suits your needs.

A good travel policy will cover most situations not just a few that may be part of a personal health plan so it is not a good idea to rely on one of these even if you have one. Your travel protection should cater for other troubles as well such as your baggage being lost or stolen, including personal effects, in addition to medical assistance that may need a special flight or other transportation.

Other situations where your luggage is delayed should also be covered by the plan as well as fully comprehensive twenty-four-hour emergency medical aid. However, some of the salient features of the travel medical protection schemes are that each and every such scheme should have a hospital indemnity benefit of at least one hundred bucks per night for those going outside America and Canada.

Should you be unfortunate enough to find it [necessary|you have] to lodge an insurance claim, it's important the person involved informs the travel policy provider as soon as possible. On your return, provide all the requisite information to support the claim, including original medical or police reports, declarations, receipts, valuations, or other evidence of ownership.

Just remember it is always a good idea to work closely with your travel insurance company because they will have experience in dealing with unlucky situations and can be of help with the claim process when you return. Don't leave buying your travel accident indemnity until the last minute because this could end up causing troubles later on if you haven't made sure that it is suitable for your trip and just when you need to use it you may find it does not cover your situation.

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