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Finding Cheap Travel Insurance that Meets Your Needs Without Breaking the Bank

Finding Cheap Travel Insurance that Meets Your Needs and Doesn’t Break the BankFinding cheap travel insurance is not as difficult as you may think. While many people in today’s tough economic times may be thinking of foregoing extra expenses, such as travel insurance, in order to afford a vacation at all, this is not something you need to cut out of the budget.

Not only can it be affordable, it may save you a lot of money in the long run should anything go wrong prior to or during your travels.

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Vacations are costly, and in a day and age when many people are struggling to make ends meet, travel has once again become a luxury.

Having saved up for a vacation, whether it be a family trip with children, a girls’ week away, or a solo endeavor for some much needed relaxation, money quickly disappears after paying for airfare, lodging, and food, not to mention any sightseeing or souvenirs purchased along the way. This is the reason why travel insurance is often declined when many people book a vacation these days.

Decent Insurance Can Be Found Cheap! Travel Insurance Can Save You in the Long Run

Suppose you are traveling abroad and become ill or get injured and end up in a hospital in a foreign country. Did you know that your health insurance may not cover you when you are abroad and you may have to pay out of pocket for any medical expenses incurred?

Or suppose you or a close family member becomes sick just prior to your travels making you unable to take the trip. In most cases airlines and hotels will not refund your money if you cancel less than several days or weeks in advance.

Finally, suppose you have planned a vacation to the Caribbean in September. Sounds blissful, until a category four hurricane hits two days before you are due to arrive. These are everyday situations that can make travel insurance a priceless investment.

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Finding Cheap Travel Insurance: Ways to Save

There are several ways to save on travel insurance. First and foremost, when you are looking into purchasing a policy for an upcoming vacation, find out exactly what you need and what you do not need. These tips may help you to know what to look for:

  1. First, examine your current medical, homeowner’s, life insurance and any other insurance policies you hold. Some of these cover certain travel situations such as lost luggage or medical expenses while traveling (look into the stipulations on locations). If you are thinking of purchasing accidental death coverage for traveling and you already have life insurance you are already covered!
  2. Also, examine the benefits that may come with a credit card you have. Some credit card companies offer travel protection such as reimbursement for a cancelled trip or other services often covered by travel insurance. For example, American Express cardholders automatically are covered by accidental death and dismemberment insurance while traveling.
  3. There are many different policy types of travel insurance. Perform a careful examination of these, whether it be online, or with your travel agent, and weed out policies that you do not need for your particular trip. Some examples of this include, not paying for terrorism insurance for a trip to Minnesota or medical evacuation insurance for a trip to a major metropolitan area.

When purchasing trip cancellation coverage, be careful not to buy more insurance than you need. No matter how much insurance you buy, you will not get back more money than the cost of the trip.

Cheap Travel Insurance: Don’t be Duped!

Always keep in mind that companies selling travel insurance are not non-profit agencies out to rid the world of travel nightmares. They are in the business to make money and will do so by playing to your insecurities as a traveler. The following are additional tips to help you travel smart and avoid being duped into paying more than you need to for travel insurance expenses.

  • Do not purchase trip cancellation coverage from your tour company or other agency that your trip has been directly booked through. If the company goes bankrupt, you may not be able to collect.
  • If you use the airport kiosks for check in, you have probably noticed a new gimmick. Once you check in you are asked if you would like to purchase accidental death insurance (in case that plane you are checking in for falls out of the sky) for your trip for only around $60. You think it sounds like a reasonable deal, but you are most likely already covered, and the chances of needing this are extremely slim. This is just another way the airlines have devised of making extra money.
  • Make sure you read the fine print for any policy you are considering. Many policies do not cover you for trip cancellation due to illness if the illness was related in some way to a preexisting condition. They also may not reimburse you if you cancel the trip due to a work obligation or extended family member’s illness or death if that person was not living in your household.

Taking some time to compare policies, weed out unnecessary costs, and knowing how to avoid travel insurance money making schemes will help you to find a policy that will not only protect you during your travels, but will not break the bank.

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