Monday, September 29, 2008

Travel Insurance Dix

By Roc Selly


It's easy to come across stories of misfortune while travelling yourself and some of the old favourites include the usual personal items or money being stolen or lost, transport being cancelled or missed, accommodation falling through, accidents on the ski slopes, a bad dose of the trots The list goes on. These are all potentially devastating situations, the anxiety of which can be somewhat lessened, if not removed, with the right travel insurance.

Depending on how old you are, where you're travelling to and your budget, you can now refine your travel insurance policy to suit your specific needs. These days the importance of Travel Insurance goes far beyond protecting yourself from a pick-pocket in Trafalgar Square or losing your luggage in a seaside town in Mexico.

Travel Insurance brings with it many often unanticipated benefits including monetary compensation for lost/stolen belongings or cash, medical cover, personal accident cover (for long-term illness/injury), cancellation fees and repatriation in case you need to be flown home in an emergency. Such occurrences are possible and we hope that you never have to experience any but that's not to say they don't happen and for peace of mind and a carefree holiday, even the most frivolous traveller can be covered for little cost.

And the best thing about travel insurance is that some smaller companies cover adrenaline sports too. With new risky activities cropping up around the globe regularly and their followers growing evermore passionate, it's a wonder not every provider can offer affordable, all-encompassing Travel Insurance.

With some travel insurance policies, you get automatic cover for hazardous activities, such as bungee jumping, paragliding and white water rafting (usually between grades 1-4), not often available with insurance and for no additional premium. If you have an unusual hobby, get your travel insurance provider to arrange a quote designed specifically for you.

Finally, if you're about to set off on your journey and you realise, at the last minute, that you have forgotten to arrange travel insurance cover, don't stress because you can buy a travel insurance policy from most providers over the telephone or from any pc with an internet connection (provided you use an insurance company that has a website sales facility) and it will be issued to you immediately. You won't need to carry papers as your insurance is valid as of the second you buy it and if you don't have the facility to print off your policy or policy wording, we will email it to you so that you can keep an electronic copy with you. If you have any questions your provider should never be further than a phone call or email away. So if you're in the airport reading this, don't panic. Call or email a competent, competitive travel insurance provider they should sort it so that you can sit back and enjoy your journey.

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