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Informative Articles

Enjoy a Multitude of Memories by Travelling in Nova Scotia
Copyright 2005 MHG Consulting Nova Scotia is an ethereal peninsula that juts off of Canada's eastern coast into the Atlantic Ocean. It's array of geography from dense, rich forests to windswept, rocky shores and fertile inland orchards make it the...

Oldsters Overseas - What Seniors Pay for Travel Insurance
While travel medical insurance for senior citizens generally carries a higher premium and a lower maximum level of coverage it is still widely available. In fact, some carriers offer travel medical insurance for senior citizens no matter what their...

Valencia Spain - What A Great Travel Experience
Valentia, dating back to 137 B.C., is what we now know as Valencia, Spain. If there was any confusion as to where Valencia is or what it is known for, the city's renovation with breathtaking architecture turned into museums, aquariums and Imax...

Virtual Walks of Europe - A Unique Travel Experience
In June of 1999, Kathi and I took a Globus tour of Italy - their "Italian Mosaic." Before leaving for the trip, I borrowed a Steadicam Jr. from a good friend in Los Angeles who is a film editor. I wanted to use it with my home video camera to shoot...

What you need to know about- madrid travel
The capital of Spain, pulsating city of Madrid is one of the eminent European cities that is famous for it's more than a few attractions. The city nestled in the middle of the Iberian Peninsula is thronged by people not just for its nerve-wrecking...

 
Insuring Your Travel on a Shoe String

Cheap travel insurance isn't necessarily about who's asking the lowest premium. Cheap travel insurance is about knowing your choices, perusing all the options and discarding the coverage you don't need. If you end up with cheap travel insurance that doesn't help you out of an overseas medical or evacuation jam, you haven't gotten a bargain. However, if you're a U.S. resident traveling within the United States you aren't going to need travel insurance that offers medical evacuation coverage. If you're touring the country by car you don't need lost luggage protection.

Travel insurance can offer much more than medical care while you're traveling. Some of the other features of some travel insurance plans are translation services, travel assistance, lost luggage, trip interruption, replacement of lost or damaged eyeglasses, repair of damaged or stolen rental vehicle, emergency medical evacuation coverage, flight cancellation due to bankruptcy of the airline, flight accident and terrorism.

For purposes of comparison there are four levels of travel insurance coverage - the most all-encompassing being total trip coverage. Some of these plans have a coverage ceiling as high as $500,000. Along with the above-mentioned travel catastrophes these plans also provide payment for return of traveler's remains to home in the event of death, as well as emergency dental coverage and reimbursement for financial default of your travel agency or any other


provider of your trip, such as cruise company.

The next level down, comprehensive, can provide up to $1 million in coverage with some carriers. The range of coverage incidents and the ceilings are often a little lower than total trip coverage, however.

When it comes to cheap travel insurance there are two options. You can choose the economy level of trip coverage or, if you travel extensively, you may do better paying an annual premium. You can also end up with cheap travel insurance if you mix and match your various issues, choosing only the coverage you need. You can, for instance, choose to purchase only flight ticket protection (in case of trip interruption, for reimbursement of your non-refundable ticket). Perhaps you might want to purchase AD&D (accidental death and dismemberment) coverage in case of airline accident. Or you might want to add, or purchase alone, some cheap travel insurance for medical care, and/or medical evacuation. You may choose to add reimbursement protection for lost or delayed baggage.

Cheap travel insurance is about making good choices and buying only what you need as you need it. It's also about comparison shopping.


About the Author

Steve Cogger is an avid traveler offering a wealth of travel information. For more information on travel insurance visit thehttp://www.1-Happy-Traveller.com" target="_blank">1 Happy Traveller website.