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Travel Insurance eBook

Travel Insurance eBook

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Published by Rich Tucker
Complete guide to Travel Insurance Protection - Free ebook written by Mike Berryhill for http://cruisesource.us
Complete guide to Travel Insurance Protection - Free ebook written by Mike Berryhill for http://cruisesource.us

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Published by: Rich Tucker on Jul 06, 2011
Copyright:Attribution Non-commercial


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Travel Insurance is often misunderstood, and many times thoughtof as something which is an unnecessary expense, simply becausemany travelers are unaware, as to just what Travel InsuranceProtection Plans actually cover.
If you are one of the millions of folks who think, “
 I don’t need travel protection since I never cancel a trip” 
then youdefinitely need to read this information!!
 You can find Mike’s Daily Cruise and Travel Blog site @
Or join his Travel Club @
Travel Insurance Protection
 What You Don’t Know, Can Really Hurt You!
 A Comprehensive Guide toTravel Insurance Protection Plans and  Important things theTraveler Should Know!
Professional Cruise Consultant with more than 15 years in theTravel Industry. Mike Alsoauthors his own daily Traveland Cruise Blog Site at Www.CruisewithMike.com
 Written By Michael Berryhill, Sr
Travel Insurance Protection
 Written by Michael Berryhill 
Travel Insurance? When Bad things happen toGood Vacation PlansCruise Insurance?Don't get left high and dry on your next cruise
It used to be that years ago, Travel Insurance was expensive, and basically held a single purpose in mind, which was if for some reason a vacationer or traveler should decide to cancel their trip. Well times and insurance have both changed.Along with those changes has been an array of emerging coverage modifications, which have been needed to keep upwith our diverse travel habits and needs. Rare is the situation now that a trip is cancelled, unless it happens to be for abusiness required situation, or due to the current economic trends (such as) a loss of job and income to be able tocomplete a planned trip. So as you can see, it is very important to be sure that your policy provides coverage in theseinstances. What does frequently happen to cause claims are weather and travel delays, postponements, aircraft anditinerary rerouting, delayed or lost baggage (now what to do with no clothes) sickness or illness prior to leaving home,after your arrival at the airport, on board the aircraft, or even worse once on board the cruise ship and
out in themiddle of the sea. Or heaven forbid, the ultimate in challenges you or a travel mate becomes injured or possiblysomething even more devastating occur, which can create not only emotional havoc, but financial devastation on top of all of the emotional drains that will be taking place. Pretty much all the above YOU have no control over yet, you made a
decision to waive insurance, because you thought you’
d never cancel your trip, or that travel insurance was tooexpensive. Even worse if say you had heard from a friend, family member, or loved one that travel insurance was just ahoax and a unnecessary expense!
 One thing that is as certain as Taxes, is Death. Know that if you should wind up being
about your needfor travel insurance, that your family members or travel mates (those You would leave behind)
get theopportunity to tell you about just what an expensive ordeal you have left for them to resolve. You shouldALWAYS cover your planned cruises with cruise travel insurance. Insurance plans can include coverage for cruisesof all shapes and sizes. Plans may include valuable emergency medical coverage, trip interruption coverage,emergency travel and health assistance services and more. Such policies offer travelers numerous coverageoptions. Whether for a two-day cruise to the Bahamas or a month-long cruise through the Mediterranean, thereare customizable plans and coverages to fit your travel needs.With regards to Medical Emergencies which can happen while you are on-board a cruise, or while travelling, youcan (click here) to view an article (or should you be reading this in printed form the link to that article is http://wp.me/p1foVW-84)which I published on the topic of Medical Emergencies and Evacuations at Sea.
Popular Travel Insurance Plans (What are Your Options)
Most times Insurance providers offer various levels of plans (coverage), so you willhave many choices to think about
For travelers who want the most comprehensive package of travelinsurance coverage & assistance services.The Top Tier Plan is for travelers who want the most comprehensive package of travel insurancecoverage and assistance services. If you are looking for the total package that includes coverage forthe highest level of medical services, (plus additional benefits when generally policy is purchasedwithin 15 days of initial trip payment). Additionally there will be coverage for pre-existing medicalconditions, financial default - even trip cancellation due to job loss and other covered work reasons!This is extremely important to self employed travelers, as typically they are the largest segment of cancellations due to work related issues. Normally these top tier plans can also be upgraded toinclude optional
like Cancel for Any Reason and Medical Evacuation home or to thehospital of your choice!
Travel Insurance Protection www. CruisewithMike.com
 Popular Insurance Plans ContinuedMiddle Tier Coverage 
While this is typically where you will find the majority of travelerspurchasing, always be sure to read all the fine print as far a coverage amounts etc. You mightbe surprised to find out just how little price difference was between having simply averagecoverage, to having all the extra benefits that Top Tier Coverage offers to you.The Middle Tier Coverage Plans offer comprehensive coverage for individuals or families, be sure tocheck to see if this plan now includes Cancel for Work Reasons (including job loss) in the base planand primary medical coverage.
If not then you definitely should consider bumping up to the TopTier Plan.
Often Children 17 and under are also covered at no additional cost! And, again (like thetop tier coverage plan) if you purchase this plan within 15 days of your initial trip payment, theseplans will likely provide some additional benefits for pre-existing medical conditions and financialdefault. Optional coverages include Cancel for Any Reason and Medical Evacuation home or to thehospital of choice.
For travelers & families who want standard coverage & 24-houremergency travel assistance services.These plans are for people who are traveling individually or with their family and want standardcoverage and access to our 24-hour emergency travel assistance services. Generally they includebasic medical and emergency evacuation coverages, and provided the coverage is purchased within15 days of initial trip payment, may have additional benefits, including coverage for pre-existingmedical conditions and financial default. Generally One child 17 and under is covered at noadditional cost for each adult that purchases this plan. Be alert as these plans are basic no frill plansthat meets specific covered travel needs. If you need Adventure Sports Coverage, like you are on anAfrican Safari, or taking in some Bunge Jumping or Hang Gliding time, you will definitely need to askfor such coverage to be included. The point being, never to assume that your professional cruiseplanner, travel agent, or Insurance Provider is going to know what your specific needs may be,cause
if you don’t ask you won’t get
Many times you need to ask, but Travel Insurance Companies Mayoffer such plans, which allow you to customize your specific needs.
If you can purchase a
your own" travel insurance plan. These plans generally include basicand 24-hour emergency travel services, customized with coverages and limits to meet your specifictravel needs. Optional Coverage Upgrades might include Cancel for Any Reason, increased medical,emergency evacuation and baggage coverages, Adventure Sports Coverage, Additional CoveredReasons Upgrade, and more! So be sure to ask.
Travel Insurance Protection www.CruisewithMike.com

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