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By The Affluent Traveler | 07/19/2011
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Travel Buzz
5 Things You Should Know About: Travel Insurance
By Lynne Christen


When was the last time you knew in advance that you, a traveling companion, or a family member would get sick, that a storm would close the airport and stop all travel, or that you would open the mailbox to a summons for jury duty days before your trip? Travel is expensive. It pays to spend a few dollars more to protect your investment.

1. Medical travel insurance covers you in the event of illness or injury during your trip, and if necessary, limited medical evacuation. Choose coverage amounts carefully. Maximum coverage amounts start as low as $10,000. It is important to consider the financial impact of medical treatment and medical evacuation when choosing a best medical travel plan.

2. trip cancellation/interruption insurance offers protection in the event of something unexpected. Most policies cover trip cancellation/ interruption due to illness or death pertaining to you, immediate family or your travel companion (even if not related). You are protected if your travel agent, tour company or cruise line defaults. You are covered if weather or certain other external forces cause you to miss your trip. Coverage also includes baggage loss and delay protection.

3. A comprehensive travel policy covers both medical and trip cancellation/interruption events. It is usually best to purchase travel insurance from an independent insurer rather than a cruise or tour provider’s private insurance. Although their policies may be cost-efficient, they could cease to exist if the company suddenly went out of business.

4. Beware of travel insurance pre-existing medical clauses. If you or an immediate family member has a chronic medical condition, check potential policies carefully to ensure you are covered. Most waivers of pre-existing conditions require purchase of the insurance within 7-14 days of the initial trip reservation. Don’t delay.

5. Don’t forget to take important information. Bring your travel insurance certificate and emergency numbers in your carry-on bag and leave an extra copy to leave at home with family.

About Lynne Christen
Lynne Christen is a freelance travel journalist and leisure travel addict. Spending 22 years as a flight attendant with Eastern Air Lines opened the doors to discovering the world. Lynne has traveled to 47 countries, throughout the United States and enjoyed 24 worldwide cruises in recent years. She is an author of three travel books and her work appears in numerous travel publications and on high-profile travel web sites.

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