Article Side

Online Article Directory!

Hello Guest! Login or Register to submit articles!

The Top 10 Questions Every Traveler Asks

By Tracy McManamon Subscribe to RSS | February 29th 2012 | Views:
loading
 
  



When getting ready to go on a trip it is smart to start asking questions about the travelers insurance you have and how it will affect you and your family. By doing this, you will be completely prepared to go on your trip and know exactly what will and will not be covered. Because people travel frequently, there are some questions about travel insurance that get asked more often than others. I would like to inform you of the top ten questions that every traveler asks and what the answers are.

1. “Doesn’t my credit card have travel insurance?”: Although we all would wish the answer to this would be yes; unfortunately no, your credit card does not have travel insurance. If it does provide even a little bit of travel insurance, it is not going to cover you in the areas of “medical expense or evacuation coverage”.

2. “Won’t my regular health insurance cover me abroad?”: Although some health insurance companies may cover some things, while you are traveling abroad, a majority of your medical expenses will not be covered. And your major medical expense if something happened would be your evacuation which no regular health insurance company will cover.

3. “Will my cruise line refund me?”: The way that most cruise companies work is that they usually refund you up to about two weeks before you leave for the trip. Unfortunately though they will not be giving you back a full refund no matter when you cancel, and once you are only two weeks away you will receive no money back if you cancel.

4. “Are hurricanes covered?”: When purchasing your travel insurance make sure hurricanes are listed on the insurance companies “covered reason for cancellation”. A lot of times if a hurricane is already expected to take place somewhere you will not be able to buy travel insurance if you are traveling to that location.

5. “Are pre-existing conditions covered?”: To many people’s surprise, pre-existing conditions can be covered. Usually for a pre-existing condition to be covered though you have to have a waiver stating you do not have that condition any more. You must follow these guidelines: “1. Buy your plan soon after you first trip payment, 2. Insure for the full trip cost, 3. Be medically cleared for travel at the time of purchase”.

6. “What does travel insurance cost?”: The cost of travel insurance can vary a lot depending on the type of coverage you are looking for, and how many people you will be covering with the plan. One easy way to look at it though for figuring out how much your travel insurance will cost personally, is to figure it will cost about “4-8% of the trip cost”.

7. “When should I purchase my plan?”: As soon as you know that you are taking a trip and especially once you have already started putting money down for the trip, you should be purchasing travel insurance and medical evacuation insurance.

8. “How do I know I can trust the company?”: That is a great question! Make sure you do research before purchasing the insurance through the company. See how many years of experience the company has. Do they have many complaints? If they do have complaints what are they about? By doing your research and talking to others about the experiences they have had with travel insurance companies, you will begin to narrow down your search and purchase through the company you feel most comfortable with.

9. “What is the refund policy?”: Although it may cost just a very small fee “a 100% refund of premium within the Free Look Period is guaranteed by all companies”.

10. “How do I buy travel insurance?”: Buying Travel Insurance is quite easy and can be purchased in just a short amount of time online. After you decide which company you would like to work with, purchase a policy. Call an independent agent to make sure you are getting exactly what you want.

These ten answers should put you in a great spot to order travel insurance, since all of your main questions have been answered. Once you know which insurance company you will be working with, do not hesitate to call an agent with any more questions that you may have. By doing this you will be able to be very confident with your purchase, and be ready to have an enjoyable stress-free trip.

Tracy McManamon - About Author:
Tracy McManamon is a licensed agent at One Source Benefits who offers travel insurance and travel medical insurance at the best possible rates.

Share on Facebook Tweet It Stumbleupon this post This post is delicious !

Article Source:
http://www.articleside.com/insurance-articles/the-top-10-questions-every-traveler-asks.htm

Related Insurance Articles Subscribe to RSS

Why to get mobile phone and iPad insurance
Published by Ashish Pandey on February 7th 2012 | Finance
Getting mobile phone insurance or iPad insurance can be a great tool to avoid unnecessary expense an...
 
Help yourself by knowing more about auto insurance!
Published by Jerry on March 14th 2012 | Insurance
There are many people who find auto insurance quite confusing and tricky. It is because of this reas...
 
Commercial insurance: Perfect Plan designed for small businesses
Published by Andrew Edwards on April 2nd 2012 | Insurance
Consider the plan next time while starting a small business and don’t have sound knowledge of the ...
 
Tips to choosing the Apt travel insurance policy online
Published by Sandy Tata on April 20th 2012 | Insurance
Travel insurance has become the need of the hour for travelers. The needs of every person setting ou...
 
Auto insurance – the ultimate choices
Published by Auto Insurances on January 13th 2012 | Finance
Insurance for persons might be optional according to the well and wish of the individuals. Some migh...
 
Add value to money with commercial liability insurance
Published by Andrew Edwards on December 8th 2011 | Insurance
You must be insured with commercial liability plan, you should look carefully about the risks...
 
Cheaper van insurance – ways to find the best deal
Published by Robmarshall on March 28th 2012 | Insurance
Whether you have a larger vehicle or a smaller vehicle, you will definitely have to buy an insurance...
 
Individual dental insurance
Published by Lessardcasey on March 28th 2012 | Insurance
Individual—(non-employer-based)--healthcare coverage can be difficult and expensive to acquire. Wi...
 
Different types of insurance to keep you and your family free and secure in Dubai
Published by Andy Robert on November 29th 2011 | Insurance
Insurance policy provides protection against uncertain losses. In Life insurance policy insurer prov...
 
Finding online life insurance quotes is safe and secure
Published by Haris Portfield on February 20th 2012 | Insurance
With their inclusive approach to insurance, websites make it easy for the insurance consumers to fin...
 
Online term insurance - Guide to choose the best one
Published by Chris Luke on April 16th 2012 | Insurance
In the Indian insurance segment, there are many kinds of term insurance policies that suit different...
 
Online health insurance quotes
Published by Lessardcasey on February 11th 2012 | Insurance
Comparing health insurance quotes to find the best deal for you can be done through HealthInsuranceQ...
 
How to do Car insurance comparison before buying a car insurance coverage
Published by Geenadavis on March 28th 2012 | Insurance
The very first thing after purchasing a new vehicle is to get it covered because it is extremely ess...
 
Efficient ways to get cheap car insurance
Published by Robmichae on March 2nd 2012 | Insurance
It was never this easy to get the car insurance quotes. With your fast internet browsing speed you c...
 
Car insurance comparison site – best way to find cheap car insurance
Published by Jameshaven on March 16th 2012 | Insurance
Anybody who purchases or drives a car will require car insurance coverage. If you do not have insura...
 
The Series6 insurance
Published by Texasinsurance on November 30th 2011 | Insurance
Do you need to take the Series 6 exam? Do you have limited time to study? If your answer is "yes" to...
 
What are Car insurance comparison sites
Published by Geenadavis on February 25th 2012 | Insurance
Today, auto insurance is necessary for every owner of the car. One must select an auto insurance cov...
 
Oklahoma- the home of the best car insurance
Published by Usautoinsurances on January 16th 2012 | Insurance
All motorists deriving on the Oklahoma roads need to carry with them proper auto insurance. This is...
 
Don’t dare drive in Massachusetts without auto insurance
Published by Autoinsurances on January 14th 2012 | Insurance
It’s important to acquire auto insurance Massachusetts if you are intending to drive your automobi...
 
Securing your vehicle with Arkansas auto insurance
Published by Auto Insurances on January 14th 2012 | Finance
Who doesn’t want his or her vehicle to be secured from every kind of accident or incident? Of cour...