Does your travel insurance offer trip cancellation insurance ...

Article by anubhav kapoor

A recent survey held in the aftermath of the large cancellations done due to the Iceland volcanic ash clouds has concluded that most of the people buying travel insurance are least bothered about travel cancellation insurance or trip interruption insurance. In fact, most people are prone to thinking that such forms of visitor?s insurance are simply unneeded. This fallacy stems from the fact that most travelers never accept the fact that their travel plans too can become victims of unforeseen natural disasters.

Further, many of the travelers are vulnerable to buying visitors insurance in an uninformed manner. A prime example of this is people who depend upon travel insurance provided by the credit card companies. As it turns out, this is perhaps the most ineffective form of Visitors Insurance. Most of these insurance plans are structured in a manner that ensures that the customer isn?t able to cash upon his insurance coverage.

If the example of trip cancellation insurance is continued, it has been established that the travel insurance provided by credit card companies has various, impractical clauses that renders the insurance coverage unproductive. While some of these insurance conditions might ask the traveler to report about the reason for the cancellation within 24 hours, some might demand that the reason for trip interruption should be backed-up by credible resources such as documentation from a local, weather-based authority.

The much wiser approach would be to purchase some form of trip cancellation insurance as a part of some comprehensive overseas travel health insurance plan. Such visitor?s insurance plans ensure that irrespective of the reason for the delay or cancellation of the scheduled travel, the insurance coverage is activated.

Many of the trip cancellation insurance features are retailed in the form of holiday-interruption plans or delayed-departure insurance plans. Some companies also retail them as holiday-abandonment insurance coverage. Essentially, all these are various types of insurance plans with a common objective, i.e. to provide insurance against the financial losses that are incurred due to delay, cancellation or change in the schedule of travel plans.

Reasonable cause for cancellation is criticalPlease understand that the reason that precipitates the need to cancel, delay or alter the travel plan should be one that is beyond the realm of doubt. This means that reasons such as terrorist linked activities, natural calamities or change of plan due to sudden news of death of someone in the family are considered as immediately-acceptable and reasonable causes since they are beyond the realm of control of the insured.

Some travel insurance providers provide a very comprehensive form of trip-interruption insurance coverage as a part of the more popular visitor travel insurance plans. Here, trip interruptions due to reason such as change of transit route by the airlines authority and excessive/unscheduled stoppages by the chosen mode of transport are also considered as viable reasons.

Buying Travel Insurance with CarePlease note that trip-cancellation or trip-interruption insurance may not always be included in your standard travel insurance plan. Further, not every insurance provider extends the comfort of including this form of insurance after purchasing a type of insurance plan. Thus, you are advised to check for trip cancellation coverage when you compare visitor medical insurance plans, i.e. before completing the purchase of your travel insurance.

Evaluate Medical Care provided in Travel Insurance ContractsMost people are beginning to understand the need to check the list of medical conditions listed as Pre-existing Conditions in the medical insurance contract. Many travel insurance providers are now ready to accommodate such cases wherein they provide insurance for a condition that may have been excluded as per the contract policies. This is done at slightly extra costs to ensure that a particular healthcare need of the insured is also covered. However, most people buying travel insurance don?t seem to question the kind of medical care they would be provided.

Nearly, every kind of visitor medical insurance policy document contains a list of the kind of medical facilities and names of the healthcare centers that can be accessed when medical care is needed. Many such insurance contracts clearly mark-out that their insurance coverage would be limited if a healthcare facility is sought outside the proposed list of medical facilities.

What will happen if you have a medical-care requirement that isn?t addressed by any such listed facility? For instance, if you are covered for a specific disease that can be resolved through a highly-complex medical procedure, how are you sure that every medical facility listed on the contract can provide such services? This is why it is recommended that such particular demands are discussed with your insurance provider before buying travel insurance.

Source: http://www.canpredict.com/does-your-travel-insurance-offer-trip-cancellation-insurance

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