Saturday, June 20, 2009

Importance of Tourists Insurance

By Ray Sondeo

Man proposes and God disposes. The best laid travel plans can be bested by unforeseen medical and administrative emergencies. Tourist insurance covers many contingencies, thereby mitigating the pain of interrupted or canceled trips. One can avail tourists insurance even for isolated trips or causes.

For instance, if a trip is disrupted due to sudden illness, tourists insurance steps in with PPO- Preferred Provider Organization, their own network of doctors and medical institutions. The insured gets the dual benefit of coverage and subsidized treatment. It pretty much covers the long and short of medical emergencies. Global occurrences like the swine flu is reason enough for tourist health insurance. Be informed though, that the insurance cover is a predefined range.

Also consider terrorist attacks - the new tourist threat, especially during peak season, especially in already disturbed areas. Buy tourists insurance to cover you against terrorist attack. Countries that thrive on their tourism offer terror protection at no extra cost, as part of the tourist insurance. A security guard can be included in the policy as well.

If you are traveling to the seashore, you can buy tourist insurance for a tsunami. Tourist insurance caters for natural calamities. Also, tourist insurance for adventure trips might require additional premiums for accident coverage ? worth it! For instance, you could buy season pass coverage for a trip to a ski resort.

Students who travel to and from universities need tourists insurance to cover medical emergencies, airline defaults or even a freak accident on the way to the airport. The Patriot T.R.I.P. Student addresses this need for full and part time students. But do remember that special covers will call for higher premiums.

Often people want to buy the minimum package, because 'this is not going to happen to us?. Fixed tourist benefit options have a very low premium. But that little extra premium you pay for a special insurance for tourist plan is worth the peace of mind you get even if nothing happens, and it protects you completely if an unfortunate incident does occur.

When buying your plan, also check if the company offering the tourist insurance has reputed underwriters. There are plenty of websites that offer insightful comparisons.

In fact, if you are a tourist without insurance as you read this, go online and buy yourself a tourist insurance policy. You will receive confirmation via e mail.

About the Author:

No comments:

Post a Comment