Travel Insurance : Ensuring Total Peace of Mind
The best and most precise definition of Travel Insurance comes from Wikipedia which says that it "is the insurance that is intended to cover financial and other losses incurred while travelling, either within one's own country, or internationally." The coverage of this insurance depends on the nature of the loss and the subsequent liability of the Insurance Company.
Most people think that their 'normal' Life, Household goods and Personal Accident policies are enough for them, without paying additional premium for the complicated Travel Insurance, when they travel. Unfortunately, they come to know that they have been very wrong after discovering the hard way. Travel Insurance is not only a valid need, it is compulsory as well, when you travel internationally.
Most of travel Insurance policies cover some specific risks and leave the rest. It is your job to read the fine print and decide whether it contains all the coverage you might potentially need. For example, a particular low cost travel insurance might insure you against any medical emergencies arising when you are away from your home, travelling. But do enquire whether they also cover the cost of evacuating you to your city, in case of worst scenarion, or cover the cost of travel of your near ones who might have to fly in to take care of you, when you are sick.
There are many clauses and you need to get several quotes from various travel insurance companies, before you judge what is best for you. The best resource remains the internet and once you make up your mind, online travel insurance is the best bet to save your time and cut back on the cost of huge agent commissions. The travel insurance industry in UK is a bit complicated and you need to read a lot before you figure out what and what not your "free" travel insurance along with credit card of capital a/c includes. More often than not, you will find that the best and comprehensive coverage rarely comes under the tag of "cheap travel insurance". But in the long run, peace of mind is the most precious commodity and any cost for this elusive entity is justified.
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