Trip insurance types
There are two basic types of vacation insurance. The first one is probably the most common among travelers. It is a trip cancellation policy which is meant to protect the client from various disasters, both impersonal and personal, which might affect an upcoming vacation. Such insurance covers only what you cannot possibly get refunds for from your tour operator or carrier.
As for the second type, it is medical insurance. Such a policy provides for treatment abroad. Also, some policies even cover full medical evacuation in case of emergency.
By the way, many insurance companies offer combined coverage with both trip cancellation and medical protection. Of course, this is generally the safest deal for travelers. However, it might cost you a pretty penny, depending on the carrier.
What does trip insurance cost?
You know, in general coverage costs may vary greatly depending on the provider. But usually trip insurance alone might set you back around five percent of the total price of your vacation. Frequent travelers might prefer to get an annual plan. However, such plans typically have relatively low claim limits.
Trip insurance exclusions
You know, medical trip insurance is certainly not a license for you to be absolutely reckless. A lot of basic policies exclude potentially dangerous activities, sports and pre-existing medical conditions. If you have any risky plans for the vacation or have a serious illness, you want to find a company that does not have such exclusions.
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