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Foreign & Commonwealth Office (FCO), said that many people are deeply unhappy to arrange insurance of travel. They think that their credit card accident cover, home insurance or private health insurance is sufficient. The reality is that you have adequate travel insurance and has suffered a serious injury or lose valuable assets that will have serious economic consequences.

Federal Cartel Office has guidelines on what your insurance coverage in case of emergencyor other problems that may occur during a vacation.

The real cost when things go wrong. The state of emergency in a foreign country can be very expensive. If you need to visit the United Kingdom has returned can cost thousands of pounds, unless you are insured:

* £ 30-35,000 – air ambulance from the United States of America's East Coast
* £ 12-16,000 – air ambulance from the Canary Islands
* € 15-20000 – scheduled flight, stretcher and doctor escort from Australia

WhatMy travel insurance will cover?

* Doctors and health care cover for an injury or sudden illness in a foreign country – More information on medical and health insurance
* 24 hours emergency service and assistance
* The personal liability coverage in case you are sued for causing damage to persons or property
* Lost and stolen property cover
* Clearing and pruning (cutting short your trip) cover
* Additional coverage for activities that are generally excluded from standardpolicies, such as jet ski.

The policy should cover the whole time you are out.

Your policy can also:

* Personal Accident Insurance Coverage
* Legal expenses cover
* Financial protection, if your plane failed before or during the trip.

Many insurers will extend cover if you ask them. Otherwise, look for a policy specialist.

Common travel insurance policy exclusions

Again with the conditions and exclusions of policy:

*Most of the policies of alcohol or drug incidents
* Set reasonable care of your possessions or your policy should take, will not be covered.

Travel Insurance Buying Tips

* Shop around to find a good price and the right product, instead of choosing to travel without cover
* Low-cost policy typically cover less – for some the price is very important, but it is worth the initial savings?
* Consider multi-trip insurance if you makeseveral trips a year – you can save time and money.

Cancel or cut short a trip

A good insurance will cover you cancel or cut short a trip. Check carefully to see exactly what you are covered for:

* Accident
* Disease
* Pregnancy (unknown when you bought the policy)
* Various service providers or subpoena witnesses
* Home of emergency: fire, storms and floods, burglary
* Dismissal
* Strikes
* The bad weather – affecting the departure of the aircraft andships.

Ensure that your policy:

* Reimburse the full amount of your vacation
* Pay when you need to cancel, or a short trip, because you are ill, for example
* Covers prepaid expenses such as excursions
* Covers extra expenses to get home

And try to book through an agent, that with the Association of British Travel Agents (ABTA), Licensing Air Travel Organizers' (ATOL) or other credible financial protection organizations.
StaffInsurance

If you accidentally cause injury to a person or damage their property, they may act. Good travel insurance covers personal responsibility.
Personal Accident Insurance – disability and death

Travel insurance can cover a personal injury payment for permanent disability or death.
Coverage for theft, loss or damage to property

Normally, you can choose the limits in your policy. Limits for single items such as cameras andjewelry can range from a minimum of £ 250 to £ 1000 or more. Check these limits are appropriate and realistic.

You must report a loss to the police within 24 hours. Proof of notification will be required upon request.

All insurance policies say that you should watch your items at any time. If you have not done, the policy can not be refunded.

Tip: Take the same care of your property as if it were insured.
Lost luggage on flights

Bewarecompensation from an airline if it loses your luggage.

By law, airlines only have to pay a minimum value per kilo of lost luggage. It is unlikely that covers the entire value of your stuff.
Legal expenses

Procurement of legal expenses cover will help to provide compensation or damages following personal guide while you are abroad – very important in countries without a system of legal assistance.
Health cards – European Health Insurance Card

Get a European HealthHealth Card (card) for health services in European countries. Understand what they do and do not cover.
Medical Health Insurance

Financial protection for a holiday

Do not get stranded abroad without a refund when your holiday company failure – not sure that the protection exists for you.
Credit Protection

Information on the protection offered to users of credit cards and debit cards.

Posted on March 30th, 2010 by admin
Filed under: Air Travel Articles