Friday, January 12, 2007

Travel Insurance Tips

Travel Insurance Tips - Understand the limits, excesses and
exclusions to avoid huge bills and get the best price

Travel insurance is a 'must' for anyone going away whether on
holiday or for business so it is wise to check that the
insurance you take out is relevant to the type of cover you
need. The last thing you want is a huge bill after your trip,
medical or otherwise, because your policy did not cover you for
what you thought. There are many different areas to take into
consideration when you buy travel insurance. If you don't make
sure the travel insurance is right for you, you may not be
covered, so follow these simple tips to help ensure you get the
right travel insurance for your needs, what to look out for, and
how to compare travel insurance prices for when you buy travel
insurance.

A standard travel insurance package should normally provide
compensation for a range of holiday and travel mishaps such as:

* Cancellation or curtailment of your trip * Medical emergencies
and repatriation * Loss or damage to personal possessions * Loss
or theft of money * Personal liability * Compensation for
permanent disability or death

Often these areas of cover can be subject to limits, excesses
and exclusions so do check your policy carefully so you know
what you may or may not be covered for. If you are the energetic
or adventurous type, check that dangerous activities such as
snowboarding, skiing, white water rafting or journeys to remote
areas are included in your insurance policy - you may need a
special type of insurance or an endorsement to cover your needs.
Expenses caused by a terrorism event may be excluded or an
expensive item of luggage or equipment may need to be insured
separately. Some insurers do not cover people over the age of 65
or 70, and if you have any existing medical conditions, these
also may not be covered.

It is true that your household insurance will offer cover for
personal items and you may be able to remove these from your
travel insurance cover to save you money. Also your credit card
providers may offer some limited cover. A European Health
Insurance Card will entitle you to reduced-cost or sometimes
free medical treatment in the European Economic Area countries,
but will not normally cover rescue costs or repatriation. If you
are travelling for business your employer may offer some travel
insurance cover. So where do you go to find the most suitable
travel insurance for you? You can buy travel insurance from many
different sources, travel agents, tour operators, banks, the
post office, credit card providers or direct from insurance
companies. The easiest and quickest method is online and
Heathrow travel insurance offers a comprehensive service which
is easily accessible.

In short, if you follow these steps, you can be sure that you
have the right cover for you and that you have not paid over the
odds for this peace of mind.

* Consider what cover you need * Consider where you are going
and what you are going to do * Take into account the cover you
may already have * Tell your insurer all the relevant facts i.e.
your age and any existing medical conditions * Shop around and
compare travel insurance prices * Check your policy carefully

When you go to buy travel insurance, you want to make sure you
have got the right price for the cover you need. One way to do
this is to use an online travel insurance Heathrow Airport price
checker, where you can compare travel insurance prices online.
The best travel insurance Heathrow airport price checker that I
have found to href="http://www.heathrowinformation.co.uk/heathrow-airport-BYL-t
ravel-insurance.html">compare travel insurance prices is
www.heathrowinformation.co.uk. This website also provides lots
more information and suggestions as to where to buy travel
insurance.

Finally, before you go away on your trip, make sure you take a
copy of your policy and a note of the telephone number in a safe
place, and of course, take good care of yourself and your
belongings whilst you are away. You can now look forward to your
trip safe in the knowledge that you have done everything
necessary, and that if anything were to go wrong, you would be
fully covered. But of course we all hope it won't and thankfully
the majority of the time it doesn't - but you should always be
prepared! This article is free for republishing.

About the author:
Bethanie Ashley is a frequent traveller keen to pass on time and
money saving advice to others. Further useful information such
as how to get to the airport, public transport, travel insurance
and foreign currency, can be found on the href="http://www.heathrowinformation.co.uk/he


Travel Insurance:

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