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<h1>Travel insurance cover? </h1>
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<p>If you're about to head off traveling, whether it's a business trip, a<br />
beach bum holiday or a round-the-world no-holds-barred adventure, you<br />
need travel insurance. Anything can happen, and often does - looking<br />
at the annual statistics showing the thousands of travellers who get<br />
into sticky situations. It's important to know exactly what your<br />
travel insurance covers, so you know if you're getting the right cover<br />
for you.<br />
<br />
What's Normally Included<br />
<br />
The following areas are normally covered by travel insurance, but it's<br />
important to know to what extent. For example, if you buy certain<br />
budget options, you may well be covered for theft of property, but if<br />
your laptop is worth $2000, it's a bit pointless if your policy only<br />
covers you up to $500. You should also look at the 'excess' - this is<br />
the amount you need to pay yourself in the event of a claim, before<br />
any payments are made back to you.<br />
<br />
o Overseas medical/hospital expenses: The amount you are covered for<br />
can differ wildly depending on which policy you opt for. If you have a<br />
pre-existing condition, the company should be aware of it, or your<br />
cover may be void.<br />
<br />
o <a href="http://www.holidaytravelinsurances.com">Overseas emergency medical assistance</a>: As above, if travelling to<br />
countries with high healthcare costs, such as the USA, it's a good<br />
idea to have this one marked 'unlimited'.<br />
<br />
o Luggage/Personal Effects: Consider the figure given for this - if<br />
you are travelling with particularly expensive equipment, it should be<br />
covered. This also covers travel documents.<br />
<br />
o Accidental Death: Arguably benefiting your loved ones more than you,<br />
but worth considering.<br />
<br />
o Permanent Disability: Most policies cover this.<br />
<br />
o Delayed Luggage Allowance: If your clothes arrive a week after you,<br />
you might need some fresh ones.<br />
<br />
o Personal Liability: If you cause an accident, you'll need to pay damages.<br />
<br />
o Cash: Cover for money stolen from your person.<br />
<br />
o Cancellation Fees and Lost Deposits: If for any (good) reason you<br />
are forced to cancel or delay your trip, such as illness or poor<br />
weather.<br />
<br />
o Alternative Transport Expenses: such as in the event of flight cancellation<br />
<br />
o Additional Expenses: a whole range of unforeseen circumstances can<br />
lead to you incurring extra costs.<br />
<br />
o Hijacking: An unlikely one, but expensive policies often cover for<br />
this. If you're not worried, don't fork out for it.<br />
<br />
o Loss of Injury: Again, some more expensive policies will cover you<br />
if you sustain an injury overseas and cannot work upon returning to<br />
Australia.<br />
<br />
o Travel Services Provider Insolvency: In the unlikely event of your<br />
airline going bust before you have a chance to board, some policies<br />
will have you covered.<br />
<br />
Top 5 things to look out for when choosing travel insurance<br />
<br />
Many people find it a pain buying insurance, but make sure you don't<br />
get caught out!<br />
<br />
1. Ensure that if you're likely to do a dangerous activity, such as<br />
paragliding or scuba diving, that you check if you're covered for it -<br />
many insurance companies hate such activities as they cost them too<br />
much money.<br />
<br />
2. Make sure that you have enough cover. Medical costs can be huge in<br />
certain countries, while budget insurance deals can leave you paying<br />
for half of your stolen camera despite being covered. If you're<br />
carrying a lot of expensive gear, make sure you're covered for all of<br />
it. Also, check what the excess is. If you have to pay $100 and your<br />
MP3 player that accidentally went scuba diving with you was five years<br />
old already, think twice.<br />
<br />
3. Do you have existing medical conditions? You might not be covered -<br />
so own up before to make sure.<br />
<br />
4. Other general exclusions include acts of war, loss of property due<br />
to extreme carelessness, or self-inflicted injury.<br />
<br />
5. And finally, make sure you are covered for the full duration of<br />
your trip - a common error is to get international dates mixed up -<br />
just because your Sydney-bound flight leaves L.A. on the 14th, doesn't<br />
mean it's still the 14th when you arrive! Last minute bungles do<br />
happen!</p>
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<div id="header">
<h1>Travel insurance cover? </h1>
</div>
<div id="maincontainer">
<div id="main">
<p>If you're about to head off traveling, whether it's a business trip, a<br />
beach bum holiday or a round-the-world no-holds-barred adventure, you<br />
need travel insurance. Anything can happen, and often does - looking<br />
at the annual statistics showing the thousands of travellers who get<br />
into sticky situations. It's important to know exactly what your<br />
travel insurance covers, so you know if you're getting the right cover<br />
for you.<br />
<br />
What's Normally Included<br />
<br />
The following areas are normally covered by travel insurance, but it's<br />
important to know to what extent. For example, if you buy certain<br />
budget options, you may well be covered for theft of property, but if<br />
your laptop is worth $2000, it's a bit pointless if your policy only<br />
covers you up to $500. You should also look at the 'excess' - this is<br />
the amount you need to pay yourself in the event of a claim, before<br />
any payments are made back to you.<br />
<br />
o Overseas medical/hospital expenses: The amount you are covered for<br />
can differ wildly depending on which policy you opt for. If you have a<br />
pre-existing condition, the company should be aware of it, or your<br />
cover may be void.<br />
<br />
o <a href="http://www.holidaytravelinsurances.com">Overseas emergency medical assistance</a>: As above, if travelling to<br />
countries with high healthcare costs, such as the USA, it's a good<br />
idea to have this one marked 'unlimited'.<br />
<br />
o Luggage/Personal Effects: Consider the figure given for this - if<br />
you are travelling with particularly expensive equipment, it should be<br />
covered. This also covers travel documents.<br />
<br />
o Accidental Death: Arguably benefiting your loved ones more than you,<br />
but worth considering.<br />
<br />
o Permanent Disability: Most policies cover this.<br />
<br />
o Delayed Luggage Allowance: If your clothes arrive a week after you,<br />
you might need some fresh ones.<br />
<br />
o Personal Liability: If you cause an accident, you'll need to pay damages.<br />
<br />
o Cash: Cover for money stolen from your person.<br />
<br />
o Cancellation Fees and Lost Deposits: If for any (good) reason you<br />
are forced to cancel or delay your trip, such as illness or poor<br />
weather.<br />
<br />
o Alternative Transport Expenses: such as in the event of flight cancellation<br />
<br />
o Additional Expenses: a whole range of unforeseen circumstances can<br />
lead to you incurring extra costs.<br />
<br />
o Hijacking: An unlikely one, but expensive policies often cover for<br />
this. If you're not worried, don't fork out for it.<br />
<br />
o Loss of Injury: Again, some more expensive policies will cover you<br />
if you sustain an injury overseas and cannot work upon returning to<br />
Australia.<br />
<br />
o Travel Services Provider Insolvency: In the unlikely event of your<br />
airline going bust before you have a chance to board, some policies<br />
will have you covered.<br />
<br />
Top 5 things to look out for when choosing travel insurance<br />
<br />
Many people find it a pain buying insurance, but make sure you don't<br />
get caught out!<br />
<br />
1. Ensure that if you're likely to do a dangerous activity, such as<br />
paragliding or scuba diving, that you check if you're covered for it -<br />
many insurance companies hate such activities as they cost them too<br />
much money.<br />
<br />
2. Make sure that you have enough cover. Medical costs can be huge in<br />
certain countries, while budget insurance deals can leave you paying<br />
for half of your stolen camera despite being covered. If you're<br />
carrying a lot of expensive gear, make sure you're covered for all of<br />
it. Also, check what the excess is. If you have to pay $100 and your<br />
MP3 player that accidentally went scuba diving with you was five years<br />
old already, think twice.<br />
<br />
3. Do you have existing medical conditions? You might not be covered -<br />
so own up before to make sure.<br />
<br />
4. Other general exclusions include acts of war, loss of property due<br />
to extreme carelessness, or self-inflicted injury.<br />
<br />
5. And finally, make sure you are covered for the full duration of<br />
your trip - a common error is to get international dates mixed up -<br />
just because your Sydney-bound flight leaves L.A. on the 14th, doesn't<br />
mean it's still the 14th when you arrive! Last minute bungles do<br />
happen!</p>
</div>
<div id="nav"></div>
</div>
<div id="footer"><h4><a href="http://www.holidaytravelinsurances.com"> holiday travel insurance</a></h4></div>
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