Cheap travel insurance isn't necessarily
about who's asking the lowest premium. Cheap travel insurance
is about knowing your choices, perusing all the options and discarding
the coverage you don't need. If you end up with cheap travel insurance
that doesn't help you out of an overseas medical or evacuation
jam, you haven't gotten a bargain. However, if you're a U.S. resident
traveling within the United States you aren't going to need travel
insurance that offers medical evacuation coverage. If you're touring
the country by car you don't need lost luggage protection.
Travel insurance can offer much more than medical care while you're
traveling. Some of the other features of some travel insurance
plans are translation services, travel assistance, lost luggage,
trip interruption, replacement of lost or damaged eyeglasses,
repair of damaged or stolen rental vehicle, emergency medical
evacuation coverage, flight cancellation due to bankruptcy of
the airline, flight accident and terrorism.
For purposes of comparison there are four levels of travel insurance
coverage - the most all-encompassing being total trip coverage.
Some of these plans have a coverage ceiling as high as $500,000.
Along with the above-mentioned travel catastrophes these plans
also provide payment for return of traveler's remains to home
in the event of death, as well as emergency dental coverage and
reimbursement for financial default of your travel agency or any
other provider of your trip, such as cruise company.
The next level down, comprehensive, can provide up to $1 million
in coverage with some carriers. The range of coverage incidents
and the ceilings are often a little lower than total trip coverage,
however.
When it comes to cheap travel insurance there
are two options. You can choose the economy level of trip coverage
or, if you travel extensively, you may do better paying an annual
premium. You can also end up with cheap travel insurance if you
mix and match your various issues, choosing only the coverage
you need. You can, for instance, choose to purchase only flight
ticket protection (in case of trip interruption, for reimbursement
of your non-refundable ticket). Perhaps you might want to purchase
AD&D (accidental death and dismemberment) coverage in case of
airline accident. Or you might want to add, or purchase alone,
some cheap travel insurance for medical care, and/or medical evacuation.
You may choose to add reimbursement protection for lost or delayed
baggage.
Cheap travel insurance is about making good choices and buying
only what you need as you need it. It's also about comparison
shopping.
About the Author
Steve Cogger is an avid traveler offering a wealth of travel
information. For more information on travel insurance visit
thehttp://www.1-Happy-Traveller.com"
target="_blank">1 Happy Traveller website.
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