What you need to know about Travel Insurance


Whether it's your trip, your possessions, your luggage, or your health, travel insurance, and most important - the right kind of travel insurance - has become an essential item to pack for smart travelers. And if you don't buy the right travel insurance, more than your trip could be ruined.

High prices don't always mean the best coverage. Perhaps start with a list of what aspects of a policy are important to you. It's pointless paying a premium to reduce car rental excess if you won't be driving, or covering your luggage when all you have is a backpack. Removing options or lessening limits often reduces the premium you pay.

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.

Insurance policies vary, so read the fine print carefully to see exactly what is covered. When considering which policy is right for you, it pays to look at the details. (Note: Many credit card companies offer travel insurance in conjunction with trip purchase. Perhaps contact your credit card company for more information.)

If anything is unclear, phone your provider. Insurers are legally obliged to unravel the fine print in simple terms.

Important inclusions for your policy:

Here are a couple of suggested sites to get you started on your research:

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