Why Use Travel Insurance

When thinking about insuring your next trip, your first question will probably be "why bother?" Are the risks really that great? Is it really worth the trouble? In a word, yes - for the price, at least. Travel insurance rates for a two person, two-week trip to Europe are often less than a hundred American dollars. Considering the fact that travel insurance covers everything from trip cancellations to lost baggage to theft to local medical bills, this is well worth the cost.

It used to be a hassle to actually find travel insurance. Thanks to today's world of technology and the Internet, this isn't nearly as difficult as it might sound at first. A simple Google search for "travel insurance" will bring up enough options to meet any situation you might have. You can even get travel insurance for specific activities such as scuba diving by simply searching for something like this: "travel insurance scuba diving." The Internet makes it easy.

You may also wish to go through an independent insurance search engine, such as www.InsureYourTrip.com. By filling out a simple description of your trip in terms of duration, number of travelers, and location, you can instantly get a list of competing companies and packages, making it a matter of minutes to find and choose the right package for you.

Take a look around and find the right travel insurance for you. There are a vast number of options out there, applicable to any situation. So, if you want peace of mind on your next trip, definitely think about buying travel insurance. You won't regret it.
By: Asier Ander

Article Source: insurancearticle.com

Travel insurance - to claim or not to claim

Travel insurance is an extra that the majority of us purchase, or a least give careful consideration to, in preparation for our holiday. There is clear benefit to having this type of policy and each and every year it saves UK holiday makers millions of pounds that would have otherwise been spent on medical fees, lost or stolen baggage and holiday cancellation, to name but a few.

Even so, a survey carried out by the Post Office highlights - perhaps worryingly - that many of us are neglecting to claim for incidents and mishaps that happen whilst we are on holiday.

According to the survey, over 70% of UK travellers are losing out on an estimated £ 13.5bn in claims that they would be covered under their travel insurance policies.

It seems the biggest reason for this is lack of knowledge, perhaps caused by failure to read through the policy at the time of receiving it. This suggests it really is worth checking beyond the key features of your policy to discover the extra cover you are entitled to.

The survey highlighted the age group most likely to neglect a claim for a holiday mishap as those between 25 and 44 years of age. It is not known why this age group carries a higher risk - perhaps they are the key demographic when it comes to holiday insurance take-up?

Of the incidents that occur on the average holiday a whopping seven out of 10 go unclaimed for despite cover having being taken out for this very purpose. The most common occurrences include flight delays, lost or damaged luggage and personal injury.

When traveling abroad in your car you should ensure you are covered. This may either be included in your car insurance policy or be a feature of your travel insurance policy. A minimum level of third party cover is required in all European community member countries.

If you want to find cheap travel insurance it is best to spend a little time looking round for a quote - the use of a comparison site can speed things up a little. The golden rule when looking for a good deal is to choose your policy depending on features and not just price.
By: Noah Thomas

Article Source: insurancearticle.com