Traveling and taking holidays can be a lot of fun, but it can also be scary. If something goes wrong, you may find yourself in a foreign land amongst foreign people with no idea where to turn for help. Travel insurance prevents this from happening by helping you through all of the unforeseen circumstances that may befall you on a trip. Travel insurance can help cover expenses if you become ill or injured, lose your luggage, have a car accident or have to change your plans due to weather or illness.
There are two basic types of travel insurance: annual travel insurance and single trip travel insurance. Annual travel insurance is purchased annually and covers all of your travels for the entire year. Single trip travel insurance is purchased at the beginning of each trip and is only good for that trip.
There are benefits and drawbacks associated with each type of travel insurance. The following two sections will address the pros and cons of each.
Pros and Cons of Annual Travel Insurance
When you purchase annual travel insurance, you pay a one-time fee. This fee covers the cost of the insurance for the whole year. If you travel a lot, this price is almost always less than you would pay for multiple single-trip policies. But the price for annual travel insurance is also more than you would pay for one or two single-trip policies. So you need to have a clear idea of how often you will use the insurance before you spend the money for it.
Annual travel insurance is ideal for people who travel a lot. Business professionals, people with family living abroad, and families with holiday homes usually benefit the most from such a policy. Students who have to travel back and forth from school may also benefit from this type of policy.
Pros and Cons of Single Trip Travel Insurance
Single trip travel insurance is the most cost effective way to purchase travel insurance if you only have need of it a couple of times a year. It is spontaneous. You can purchase travel insurance prior to any trip even if it is spur of the moment. It is also inexpensive. Single trip travel insurance normally costs about four to seven percent of the entire cost of any prepaid trip.
If you make a lot of spontaneous trips, however, you could end up spending more than you bargained for if you purchase a separate policy each time you leave town.
Both annual and single trip travel insurances offer the same coverage. The only real discrepancy between them is cost. Therefore, you need to choose the most cost effective way to purchase the insurance that best meets your needs. If you have any doubts, talk to a travel agent. They will be able to help you compare prices and coverage options. The most important thing is that you always travel while insured. You need to be prepared for everything that may happen.
Steven Clarke - Marketing Manager for http://www.mytravelinsurance.org.uk We offer a travel insurance service which compares all the UK's travel insurance deals to find you the cheapest insurance quote.
Article Source: http://EzineArticles.com/?expert=Steven_Clarke
Tuesday, October 12, 2010
How to Get Cheap Single Trip Travel Insurance
So you are planning a trip away or have already done so and now you want to sort out the travel insurance. People often neglect to spend any time on choosing their holiday, why should they a holiday is meant to be fun, a week or two to not worry about every day life.
Many people will first find out about getting cover for their holiday when they book up at the travel agents. Not knowing or not wanting to know insurance just seems like another necessary expense that you wish you could do without.
We all need to make sure you have the proper cover if you are travelling abroad. Whilst this is something you do not like to think about you can never know what will happen whilst you are away. Your flight may be cancelled, your luggage lost or stolen or worse you become ill or have an accident during your holiday.
So now we know what can happen how can you get cheap single trip travel insurance but without having to skimp on cover. There are several different types of policy you can get and each one will cover different aspects of your holiday cover, much like getting fully comp car insurance or third party fire and theft.
A single trip policy will be your cheapest option of you are only planning to take one trip abroad this year. If however you are planning on taking more trips it may be worth considering an annual multi trip policy as you would usually save money over the cost of buying separate single policies.
One thing to remember when choosing any policy is not to sacrifice cover for cost. Many policies will just be cheaper because they do not cover everything. Make sure any particular cover encompasses what you actually need.
You can find the cheapest insurance by using an online travel insurance comparison site. This will list all policies that meet your specific requirements side by side. This makes it easier to compare and choose the holiday cover that provides the best cover for the lowest cost.
You should be aware of any excess, like all types of insurance there is generally some excess payments you will be liable for. This is the amount you will have to pay as the first part of any claim. The higher the amount you are willing to accept the lower the premium cost of the insurance policy.
Find out how you can get Cheap Single Trip Travel Insurance that can save you time and money at http://www.cheapsingletriptravelinsurance.co.uk/
Article Source: http://EzineArticles.com/?expert=Allan_Burns
Many people will first find out about getting cover for their holiday when they book up at the travel agents. Not knowing or not wanting to know insurance just seems like another necessary expense that you wish you could do without.
We all need to make sure you have the proper cover if you are travelling abroad. Whilst this is something you do not like to think about you can never know what will happen whilst you are away. Your flight may be cancelled, your luggage lost or stolen or worse you become ill or have an accident during your holiday.
So now we know what can happen how can you get cheap single trip travel insurance but without having to skimp on cover. There are several different types of policy you can get and each one will cover different aspects of your holiday cover, much like getting fully comp car insurance or third party fire and theft.
A single trip policy will be your cheapest option of you are only planning to take one trip abroad this year. If however you are planning on taking more trips it may be worth considering an annual multi trip policy as you would usually save money over the cost of buying separate single policies.
One thing to remember when choosing any policy is not to sacrifice cover for cost. Many policies will just be cheaper because they do not cover everything. Make sure any particular cover encompasses what you actually need.
You can find the cheapest insurance by using an online travel insurance comparison site. This will list all policies that meet your specific requirements side by side. This makes it easier to compare and choose the holiday cover that provides the best cover for the lowest cost.
You should be aware of any excess, like all types of insurance there is generally some excess payments you will be liable for. This is the amount you will have to pay as the first part of any claim. The higher the amount you are willing to accept the lower the premium cost of the insurance policy.
Find out how you can get Cheap Single Trip Travel Insurance that can save you time and money at http://www.cheapsingletriptravelinsurance.co.uk/
Article Source: http://EzineArticles.com/?expert=Allan_Burns
Monday, October 11, 2010
Single Trip Travel Insurance - Yes, You Will Need It! (cheapest single trip travel insurance)
A lot of people can't afford to travel often, so they just take an occasional vacation whenever they can. They may not think that they'll need any type of insurance just for one occasional trip, but the truth is, they really do. The idea of travel insurance may not even cross their minds at all, which is unfortunate because the benefits of having single trip travel insurance can really help them out in a variety of unfortunate situations.
If you are planning the vacation of the lifetime soon, then you need to make sure that you get a good, reliable single trip travel insurance plan. Even though you may be thinking otherwise, you'll really need it. Even if your travel plans are outlined perfectly, there are a number of things that can go wrong.
Any of the following could cost you a lot of money on your vacation if you don't have any single trip travel insurance: unexpected delays, cancellations, emergency evacuations, medical expenses, loss of luggage, robbery, healthcare, etc. Did you know, for example, that if your flight is cancelled, there's a chance you may not receive a refund? Likewise, what will you do if someone robs you and steals all your money during the middle of the vacation?
The medical and emergency problems are pretty obvious. The world can be a dangerous place at times, and unexpected accidents can and do happen every single day. Whether you like to think about it or not, there's always the possibility that you could be involved in a horrible accident. If you don't have any single trip travel insurance to cover all the expenses for you, then you're going to be paying thousands of dollars for a long time to come.
Vacations are meant to be enjoyed, especially the ones that take a lot of planning. Whether you're going on a cruise, to another country, an exotic island, or big city, you'll need to add single trip travel insurance into your plans so that you can be safe and protected.
About the author:
Nadav Snir operates a website which includes the cheapest insurance providers. To get the best insurance rates possible, visit: http://Great-Info-Products.com/Insurance/index.html
If you are planning the vacation of the lifetime soon, then you need to make sure that you get a good, reliable single trip travel insurance plan. Even though you may be thinking otherwise, you'll really need it. Even if your travel plans are outlined perfectly, there are a number of things that can go wrong.
Any of the following could cost you a lot of money on your vacation if you don't have any single trip travel insurance: unexpected delays, cancellations, emergency evacuations, medical expenses, loss of luggage, robbery, healthcare, etc. Did you know, for example, that if your flight is cancelled, there's a chance you may not receive a refund? Likewise, what will you do if someone robs you and steals all your money during the middle of the vacation?
The medical and emergency problems are pretty obvious. The world can be a dangerous place at times, and unexpected accidents can and do happen every single day. Whether you like to think about it or not, there's always the possibility that you could be involved in a horrible accident. If you don't have any single trip travel insurance to cover all the expenses for you, then you're going to be paying thousands of dollars for a long time to come.
Vacations are meant to be enjoyed, especially the ones that take a lot of planning. Whether you're going on a cruise, to another country, an exotic island, or big city, you'll need to add single trip travel insurance into your plans so that you can be safe and protected.
About the author:
Nadav Snir operates a website which includes the cheapest insurance providers. To get the best insurance rates possible, visit: http://Great-Info-Products.com/Insurance/index.html
Sunday, October 10, 2010
Single Trip Travel Insurance( cheapest single trip travel insurance)
Cheapest Single trip Travel Insurance
If you only plan to travel abroad once this year, then single trip travel insurance is probably the best value - there's no point in paying for cover you don't need!
Generally speaking, you can purchase single trip travel insurance to cover three areas; Europe, Worldwide and Worldwide with exclusions. These exclusions tend to be travel to areas like the Caribbean, USA and Canada where claims tend to be more expensive. Check your policy details to make sure you have chosen the right territory - for example, some providers include Tunisia under their European cover, while others don't.
It is also very important to check the details of your single trip travel insurance policy very carefully to check the cover meets your needs. If it does prove to be unsuitable, you should be able to obtain a refund within 14 days of taking out the policy provided your trip has not already begun and you have not made a claim on the policy.
A good single trip travel insurance policy should offer cover for emergency medical expenses, cancellation, curtailment, personal possessions, personal liability and legal expenses. Many single trip travel insurance policies offer the option to exclude baggage cover for a discount - this is worth doing if you already have "away from home" cover for your personal belongings on your home contents insurance policy, or don't feel that you need cover for this.
You may also have encountered something called "excess waiver" on some single trip travel insurance policies. Basically, the excess is an amount that you pay whenever you make a certain type of claim. By paying a small addition premium for "excess waiver" you can eliminate this cost.
If you are planning a ski or snowboard trip, it is important to find single trip travel insurance which offers cover for this. Similarly if you are going on an adventure holiday, check that the single trip travel insurance policy offers cover for any hazardous activities you are taking part in before you go.
Single trip travel insurance is available from a number of places. If you booked your holiday through a travel agent you will probably have been offered their policy, but remember you are not obliged to take this and it can work out very expensive. Thanks to comparison sites such as Moneysupermarket it is easier than ever to compare single trip travel insurance premiums, and as a result the market has become very competitive.
Don't be tempted to try and save money by traveling without single trip travel insurance - the cost of sorting out even a small problem will probably outweigh the premium you paid, and bills for medical emergencies can run into many thousands of pounds.
24/7 travel insurance offers single trip travel insurance policies from as little as £4.38* - a small price to pay for peace of mind and to really relax and enjoy your holiday!
Cheapest Single trip Travel Insurance
Article Source: http://EzineArticles.com/?expert=Robert_Gouch
Travel Insurance-make sure you have one (cheapest single trip travel insurance)
Cheapest Single Trip Travel Insurance
before your travel anywhere...make sure you have travel insurance. enjoy this funny video.
cheapest single trip travel insurance
before your travel anywhere...make sure you have travel insurance. enjoy this funny video.
cheapest single trip travel insurance
Cheapest Single Trip Travel Insurance 1
Cheapest Single Trip Travel Insurance
Traveling out of the country is an exciting and rewarding experience. Of course, if you do not plan your trip correctly you could end up broke and in a bad situation. Travel insurance is a special insurance used by international travelers to protect them in the event that they cannot make a flight, stay at their hotel, or otherwise follow through with their trip.
Travel insurance can also cover medical costs in the event you are sick or get severely injured. Lost or stolen baggage can also be covered depending on the insurance that you purchase.
But is travel insurance really needed? Depending on where you are going, your financial situation, and your health, you will need to evaluate if insurance is necessary. If you are going on a relatively cheap or short vacation, you can probably safely skip the insurance.
However, individuals with health problems must get travel insurance. Being in a foreign country with a health problem and no hospital or doctor to see you can be life threatening. Being properly insured for international travel can make a difference between life and death for some individuals.
If you are bringing along expensive goods in your baggage, insurance is highly recommended. DSLR cameras are not cheap to replace. While it is best to bring along only low-cost items while traveling, some people need to bring more valuable goods for whatever reason. In this case, travelers insurance will protect you in the event something is stolen, lost, or damaged.
All of those non-refundable fees and costs for hotels or flights can also be a bummer. Even if you don't pay extra to buy non-refundable plane tickets, travelers insurance can help you. This insurance is designed to refund you in the event that your trip is canceled or you cannot make it to a specific destination on your itinerary on time.
For most people travelers insurance isn't necessary. If your vacation is going to be long, out of the country, or in an area notorious for stolen luggage, then it is highly recommended. Evaluate the location you are traveling to and decide whether or not insurance would be in your best interest. Some plans are cheap, and it is a good idea to get them anyway due to their low cost.
If you don't feel that you could benefit from it, at least opt for a cheaper health coverage plan. Always be prepared at all times when traveling!
cheapest single trip travel insurance
Article Source: http://EzineArticles.com/?expert=Vijeta_Bhatia |
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