Wednesday, September 9, 2009

Travel Insurance - Patriot Travel Plan

By Ray Sondeo

Patriot Trip - Travel insurance caters to the unforeseen circumstances due to which your trip could get canceled in the middle. This trip cancellation insurance reimburses the costs incurred for travel like reservations, personal baggage loss, emergency reunion, travel delays, repatriation of mortal remains in case of accidental death and emergency evacuation in addition to medical expenses incurred due to certain unavoidable exigencies including dental emergencies.

This travel insurance is ideally suited to cover a vacation wherein you may be able to recover un-utilized payments and deposits that are normally not refundable in the case of cancellation or interruption of the trip during the planned period.

This travel health insurance policy is eligible for those travelers incurring expenses of minimum $500 for the trip which does not exceed 30 consecutive days and the destination is situated at least 120 miles away from the starting point.

Once the completed application form is submitted by the traveler along with the necessary payment, the trip cancellation benefit becomes effective from midnight. The travel medical insurance policy becomes valid right from the date you depart for the travel.

The validity of the Patriot Trip - Travel insurance plan ends on the date of return of the insured from the covered trip (this could be earlier or exactly on the pre-planned date of return) or end of the period of coverage as indicated in the policy certificate (whichever is earliest).

Full refund is possible after you buy the Patriot Trip - Travel insurance plan if you can cancel within 10 days of receiving the policy certificate and you have not departed for your travel before these 10 days. You should have also not filed any claims under this travel medical insurance plan.

The premiums rates of this travel insurance plan varies between every individual and the calculation is based on certain factors like total cost of trip, age of the individual and the other travelers accompanying the insured during the trip.

Pre-existing conditions clause that is mentioned in any travel insurance policy document is waived off in case the insured is less than 70 years old and the travel medical insurance policy are purchased within 14 days of booking the initial deposit to the travel agent. In addition, all the members who are part of the plan should be medically fit to travel on the date the Patriot Trip - Travel insurance is purchased.

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