Insurance Murfreesboro: Whole Life

For those who love to travel but are on a budget, getting travel coverage may not be at the top of their priorities. Fortunately, there is now what we call backpackers travel insurance which is a cheaper alternative to the full-blown insurance usually offered by companies.

Travel insurance may not cover every single eventuality that could occur, but it certainly covers most of the common – and often costly – travel-related problems. There is a lot more to it than can be covered here, but to get you started here are five important reasons why you should have insurance:

Cancellation and Curtailment A typical policy will include Cancellation and Curtailment. Cancellation means cancelling before your trip begins. Curtailment means cutting short your trip. This provides for you and your travelling companion if a covered event occurs, such as: * Illness, injury or death of you, your companion, a close relative or business associate, or the person with whom you plan to stay * Being made redundant * Being called for jury service * Being posted overseas (armed forces) or called for duty if you work for an essential service (fire, nursing, ambulance, police, etc.) * A Foreign Office (or other government) advisory against travel to a certain part of the world (as long as this was not in effect at the time you booked the travel) * Failing a university (or equivalent) exam and having to re-sit

Cancellation or Delay of Trip This is ideal for those who usually pay their trips in advance. Should there be any cancellations before the actual day of the trip, then the money already spent would be reimbursed by the insurance company. Delays in the departure date are also subject to reimbursements but would depend entirely on the stipulations indicated in the contract.

Medical Expenses and Hospital Benefit In most cases travel will go smoothly, but medical emergencies are usually beyond our control. For example, traveller’s tummy often strikes no matter how much care is taken with eating and drinking. Taking ice in a drink in some parts of the world could be all it takes to pick up a nasty gastrointestinal bug. A comprehensive travel insurance policy should include Emergency Medical Repatriation. This may be something you have never heard of, but it is certainly something to be aware of. If you are just taking a short trip to a neighbouring country you may think there is no need to worry. However, if you should be involved in a serious accident or become very ill or even fatally injured in any part of the world it may be necessary to transport you home by air ambulance with a medical escort. Additional seats may have to be purchased on a flight to accommodate a stretcher. Imagine the cost if you did not have insurance. Also, contrary to popular belief, your embassy does not pay these costs!

Death or disability If you become permanently disabled you will find that most policies will cover expenses, or if you happen to die as a result of an accident then your travel insurance can cover this too. It can be extremely costly to transport remains, for example from Europe it can cost around ten thousand dollars to fly a body home. The stress of having to come up with this huge sum for a grieving family would be terrible, so it is worthwhile having the cover.

Things to check Make sure that you are covered for all your travel items and that you have enough cover for the country you are going to. Do a bit of research and find out what the medical expenses are like where you are going and check your fund will cover you if you have to be hospitalised.

You may find that dangerous activities like scuba diving and bungee jumping are not covered, so find out first and think about whether you are going to risk partaking in these activities while away. If you have any pre-existing medical conditions you may not be covered unless you let them know, so make sure you are upfront. When you take out your insurance be thorough and read the fine print, and double check your dates. You need to be covered for the entire duration of your trip so remember the difference in time zones.

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