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Travel Accident Insurance FAQ Most people that have seen a travel accident insurance FAQ before will have ignored it. Those things that happen to others when they are on holiday will never happen to me... but they do. Lost luggage, stolen money and documents, accidents requiring medical attention - they all happen regardless of where we are at the time. It is essential, in this era where absolutely anything could go wrong, that an individual wanting to travel looks into the possibility of getting some form of travel insurance. Travel insurance has traditionally been perceived as a waste of time and money, but that is most definitely not the case. The benefits of travel accident insurance policies are immense if you need to call on them. However, if you are lucky enough not to have to call on them then you always have that peace of mind that it is there in the background. Like any form of insurance though, travel insurance can be confusing if you are looking for the right policy for you but are struggling to work out the benefits of each individual policy, so here is a comprehensive travel accident insurance FAQ to help answer any question that you may have! Travel Accident Insurance FAQ 1 - What sort of travel accident insurance will I need? There are two types of travel accident insurance that are commonly used - single trip and annual. The latter can save you money if you are planning to visit several countries or take several trips in one year, whereas the single trip travel accident insurance policy just covers the one trip. They both have the same conditions and thus provide similar cover, so all is really dependent on how often you travel. Travel Accident Insurance FAQ 2 - How much should I expect to pay? The cost of travel accident insurance largely depends on the provider, the amount covered, the duration of your trip and how old you are. A child would be cheaper to cover than an adult, and a weekend trip would be cheaper to cover than a week long vacation. There are family travel accident insurance policies that cover all of the individuals travelling and are cheaper than covering each individual separately. If you do travel more than once a year though, the annual travel insurance policies can save you a lot of money. Travel Accident Insurance FAQ 3 - Should I inform the company of my state of health? The answer to this is a resounding yes! If you fail to let insurance companies know about pre-existing conditions then the policy will be void if you ever needed to claim on it. Disclosing chronic and ongoing illnesses will increase your premiums but they will then pay out if you need to call on them so it is never a good idea to keep quiet about your health! Travel Accident Insurance FAQ 4 - Are extreme sports covered? Under normal travel accident insurance policies extreme sports are not covered as standard because they may endanger your health far more than simply going on a beach or city trip. However, most insurers will happily add extreme or winter sports coverage to your policy for an extra fee. The extreme sports add-on is highly recommended if you are planning to do something out of the ordinary! Regardless of the travel accident insurance policy you eventually choose, you should always read the terms and conditions to make sure that you are fully aware of what you are covered for and what you are not, as well as the exceptions and exclusions. It is essential to have a travel accident insurance policy these days, and for that little peace of mind, it is well worth it!
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