Travel Insurance viii

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As an important but often overlooked part of your vacation, Travel Insurance is a quick and simple way of being covered for unforeseen costs whether you're travelling internationally or domestically.

Designed to protect you from things that can spoil your trip, travel insurance can assist in overcoming complications such as sickness, losing your baggage and belongings, a cancelled or delayed flight, getting sued overseas, or, in extreme situations, death. Travel insurance is provided for both individual persons and groups of persons and is one of the most variable kinds of insurance available in terms of price and cover.

It may seem daunting, the thought of buying travel insurance, as one often hears or reads of cases where travellers have been 'cheated' out of money that they believe is rightfully owed to them for a claim they have made but travellers needn't be misinformed about their travel insurance. When purchasing travel insurance, it is important voice any doubts or misunderstandings to avoid disappointment in case a claim needs to be made. Every policy should be supplemented with policy wording to outline and detail exactly what the travel insurance purchased will and will not cover.

The policy wording of your travel insurance will back up any claim you make, so long as your case is valid and deserving of cover. Some travellers lose their travel insurance claims due to small overlooked factors. For example, travel insurance can not be claimed on if a police report is not obtained by the traveller at the scene of the crime to back up a case of theft. Without a police report, there is no proof of theft.

In some countries medical costs are so high that even a check up at the doctors can run into several hundreds of dollars. In serious cases travel insurance will cover issues such as 'repatriation' which involves flying a patient back to their home country for medical care. In case of death, medical travel insurance will arrange for a victim's body to be returned to its homeland and family. These examples are dire but without travel insurance to cover you, you could end up spending yourself (and possibly your extended family too) hundreds of thousands of dollars.

Do yourself a favour if you're travelling away on holiday and familiarise yourself with the prospect of travel insurance. One step at a time means you can avoid wasting money and being informed means you can avoid losing money.
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