How To Choose Good Value Travel Insurance.

Travel insurance provides coverage against financial and other
losses that you may incur while travelling domestically or
internationally. You can either get it at the time of booking
your trip, for the exact length of the trip or you can get it
for a longer period. Travel agents, travel insurance companies,
cruise lines, or tour operators can all help you with purchase
of continuous travel insurance.

Here's a list of some of the most common risks that are covered
by travel insurance:

- Cancellations and/or Curtailments;
- Delayed departures for flights, and other modes of travel;
- Loss, theft or damage to personal belonging and money
including travel documents;
- Delay or loss of baggage;
- Medical expenses/Sickness;
- Emergency evacuation/repatriation;
- Overseas funeral expenses;
- Accidental death, injury or disability benefit;
- Legal assistance for travel related needs;
- Personal liability;

- Loss of income due to other reasons.

Some travel insurance companies have travel policies, which
will also provide you extra coverage for additional price.
However, these costs vary widely from carrier to carrier. Here's
a list of the extra insurance coverage that can be purchased for
an additional fee:

- High risk sports (e.g. bungee jumping, scuba diving, sky
diving);
- Travel to countries with high risk (e.g. due to civil wars or
natural disasters);
- Travel with pre-existing medical conditions (e.g. asthma,
diabetes, heart conditions).

There are several types of policies available depending on your
needs. If you travel more than twice a year, then you can avail
the option of an annual holiday insurance policy, rather than
buying two single travel insurance policies. Some basic types of
policies available are:

- Single Trip Cheap Travel Insurance. Perfect for those who
take one main holiday annually. It covers single trips anytime
in the year with a duration of min. 3 to max. 183 days per trip.

- Annual Multi-Trip Cheap Travel Insurance. If you travel over
two times in a year, then this holiday coverage works well for
you. Not only do you get flexibility and peace of mind knowing
you are covered for each trip, you will also save on money. You
can make unlimited trips of up to 45 days each through the year.

- Backpackers Cheap Travel Insurance. Students and backpackers
may insure themselves by opting for this insurance type.
Travelling to unknown countries and places where you may not
even speak the language is a path fraught with danger, but with
a travel policy, you'll be secure in the feeling that if you
meet with an accident or fall sick, you'll be able to get the
necessary medical assistance. It usually covers trips from 31
days to 18 months per trip. Some carriers also include up to 40
Adventure Sports in the policy.

Some of the other travel insurance types are Ski/Snowboarding,
Senior Citizen and Long Stay Travel Insurance policies. Choose
the best one for you, stay covered, and be stress free on your
holidays!

About The Author: T. O' Donnell
http://www.ttinsurance.co.uk/travel-insurance-uk.shtml is a
licenced credit broker based in London, UK.

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