Article by fayeshao

There are a number of reasons why travel insurance is constantly being included in most travel packages together with fares and accommodations nowadays. Accidents can occur at anytime and at any place especially during vacations or other traveling activity. Regardless of how well thought of any travel plan has been made people can always experience problems when they travel. Travel pitfalls do not end with personal emergencies and so people can easily encounter problems related to over booking for air lines, rental car arrangements, hotel accommodations, and even when travel companies suddenly close down. It is always in the best interest of a traveler to get travel insurance before embarking on a trip. When damages to personal life as well as possessions come into the picture people should definitely consider getting travel insurance. Medical emergencies are the only liability of travel insurance providers when a standard policy is used. With this article people will learn about how travel insurance works and when claims can be made and when travelers become the liable party for penalties due to sudden trip cancellations for no valid reason. It is possible for a traveler to experience problems during a trip and regardless of what the problem may be there is a comprehensive policy which will handle all costs incurred. Travelers can enjoy plans like the one which offers 10000 dollars should the company o bankrupt, 10000 for any medical expenses during the trip, and 400 should there be any cancellation of trips leading to penalties. When a policy like this is applied refunds are given to the travelers who experience problems with their hotel accommodations, lost bags, and twelve hour flight delays. Coverage similar to this one will always be an expensive buy. There are insurance policies which can be availed of for about eight percent of the total travel expenses. People can expect insurance payments of 5.5 dollars per hundred dollar coverage they purchase. Because travel agencies make travel insurance a part of their travel packages the insurance companies are now booming. Travel options include availing of or removing the insurance from the total package. Travel insurance priced separately from a travel package will discourage travelers from availing of the coverage. How beneficial is travel insurance to the everyday traveler? Then naturally, you will not be covered for any emergency that may happen during your trip. Refunds depend on the nature of the problem and the stipulations in the contract. In the case of unsafe conditions in a particular country, there is usually no problem getting your money back. When there is no prior government warning about a country’s travel advisory and the company does not cancel, refunds are less certain. Trip cancellations are often caused by travelers not feeling that the country they are about to go to is as safe as when they planned the trip. When a person is afraid he or she will not receive payment for a cancelled trip.

About the Author

The powerful story of one woman’s family and the way in which tribal history informs her own past. “I sat down to write a book about pain and ended up writing about love,” says award-winning Chickasaw poet and novelist Linda Hogan. In this book, she recounts her own difficult childhood as the daughter of an army sergeant, her love affair at age fifteen with an older man, the legacy of alcoholism, and the troubled history of the two daughters she adopted.

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