Generally a travel insurance will ensure your trip will be worry free. This will enable you while travelling have peace of mind not minding occurrence of unforeseen events.
so, have you insured your next trip? Do you know which cover to take?
Here are 30 different types of insurance to choose from:
1. Trip cancellation or interruption
This covers one from unseen events that may occur before departing. It will also cover if the journey has already began but forced to cut short the journey due to circumstances that are unforeseen.
2. Medical emergencies and evacuation
This covers ensures repatriation or transport from the contaminated zone to a medical facility with good care and capabilities. Evacuation may be through road - ambulances, air or sea.
3. Rental Car damage
The insurance covers one against damage or theft of a rental car during the trip period.
4. Travel delay
This insurance cover from expenses that arises from delay of the trip. This expenses may be from accommodation, food and transport during the delay period.
5. Emergency assistance
Protects the traveler from emergencies that may occur while travelling. Basically this emergencies may be minor and not covered by other types of insurance. E.g. Luggage retrieval.
6. Adventure sports coverage
This travel insurance will cover when injuries are incurred while in participation of sport or adventure during the trip. This adventures range widely. This activities may be canoeing, skydiving, kayaking, mountain climbing bushwalking and many more.
7. Flight accident
This travel insurance will insure incase of any accident during flight.
8. Travel accident
This travel insurance will insure incase of any accident one may encounter while travelling.
9. Travel liability
This insurance covers all costs of damage that may be realized by you during the trip.
10. Medical expense coverage
The Insurance policy covers up front cost that may arise from medical assistance during the trip. This may be but not limited to consultations, drug prescriptions, surgery, hospital stays or hospital stays during the trip.
11. Natural disaster coverage
This insurance will cover against natural occurring phenomenon and calamities that may occur and cause harm during the trip. This may be earthquakes, floods, hail, tornadoes, hurricanes and more.
12. Hijacking coverage
This will cover financial losses that may occur after abductions by assailants and illegal groups and ransoms are brought forth.
13. Political evacuation coverage
This will covers damages or physical loss that may result from political instability during the trip. This political acts range from strike, riot, revolution, war, civil unrest, sabotage,
14. Supplier Financial default coverage
This insurance covers a traveler when the booked supplier and have paid for their service during the trip fails to offer their services due to financial constraints.
15. Trip cancellation for any reason
This insurance covers when one decides to cancel a trip as a result of any reason that isn't covered under trip cancellation coverage.
16. Pre-existing medical condition coverage
This insurance covers when one has chronic condition prior to trip undertaking. This conditions range from cancer, asthma, lupus, diabetes and more.
17. Terrorism coverage
This insurance will cover you against physical harm or damage caused by terrorism acts.
18. Accidental death or dismemberment
Also in life insurance, this pays if death or severe injuries are realized during the trip. Limb loss, blindness and so on may be cause for dismemberment.
19. Pet coverage
This insurance cover loss/death, accidents or illnesses of an animal that may arise during the trip.
20. Baggage loss or damage
This insure Babbage from being stolen, lost or damaged during the trip.
21. Identity theft protection
This insurance covers costs which may arise as a result of being victim of identity theft during the trip.
22. 24-hour assistance services
This cover ensure, should need arise for assistance you will be able at acquire one any time any day of the week.
23. Emergency dental coverage
This Insurance covers emergency visits to the dentist that may arise during travelling.
24. Emergency medical transportation
This insurance policy will pay for transport cost that will arise from transfer, once a stable condition has been achieved.
25. Return of minor children coverage
This insurance policy ensures dependent minor(s) travelling with you is/are returned incase you are hospitalized during the trip. This is usually about 7 days of hospitalization.
26. Return of mortal remains coverage
This policy ensures repatriation of policyholder body back home.
27. Coverage for lost, stolen or damaged passport
This insurance policy covers costs associated with passport replacement.
28. Coverage for lost or stolen travel documents
This insurance policy covers costs associated with recovery of travel documents.
29. Travel inconvenience coverage
The travel insurance policy insures one from excesses that may arise while travelling.
30. Coverage for lost or stolen cash and credit cards
This coverage will insure policy holder from cost that will be realized from loss of liquid cash or credit cards during the trip. Essentially this will be purchase protection.
Different companies and countries may offer the above policies in different names or package some as one package. The most important thing is to go through fine print to pick out the most important details to ensure your policy covers the right subject or object you needed to be insured against.
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