The wise traveller will always spend a few extra dollars and buy a good level of travel insurance coverage. Buying the right policy ensures that when things do not go smoothly the trip is not completely ruined. Whether you are planning to buy a UHC Safe Trip policy or one from another provider understanding what should be covered will help you to buy the right one.
Cancellation Coverage
This type of coverage ensures that if an aspect of your trip has to be cancelled that you are covered. For example, if you or a member of your group falls sick. Or, if your airline goes bust, you should get a refund and be able to book an alternative flight. Exactly what is covered by travel insurance varies. So, it is always worth checking what is included and what is not.
Flight Delays
If your flight is delayed for a long time you may need to book yourself into a hotel. A good policy will typically cover this additional cost. Also, according to EU regulation 261/2004, if your flight delays for than 3 hours you may be entitled to claim delayed flight compensation of 600€ per passenger
Trip Interruption Coverage
Some providers will also cover you if something happens during your trip, which means that you have to cut it short. For example, if a close relative suddenly falls ill or dies.
Lost Luggage
If a piece of luggage goes astray, some insurance firms will pay for a few new clothes and toiletries. Should your luggage not turn up after a certain period of time you can usually claim for everything that you lost. Usually, there is also some level of luggage damage included in the policy.
Medical Coverage
Nobody likes to think that they could fall ill while on holiday. But, you have to be realistic, it happens. So, you need to be prepared for this eventuality.
In some countries, medical treatment can be very expensive. Plus, if you, or a member of your family, needs to be sent home in an air ambulance you could end up with a life-changing bill. Costs vary, but it is not uncommon for people to have to pay $50,000+ for this service when their travel insurance policy does not include this type of coverage.
Theft of Items and Muggings
A few firms will also cover you for any loss you suffer if you are mugged or someone breaks into your hotel room. However, you need to bear in mind that this type of coverage is quite limited. If you are planning to take something expensive with you, like a designer watch or DSLR camera, double-check that it is fully covered. To ensure that these items are included in your policy you may have to notify the insurance company that you are carrying them and do so before you travel.
Hazardous Sports Coverage
If you are planning to participate in any special activities, like scuba diving or rock climbing you will need some sort of insurance coverage. Not every policy will automatically cover you, so always check.
Identity Theft Coverage
Identity theft is now a global issue with some criminal gangs targeting tourists. Fortunately, there are things you can do to reduce the chances of this happening to you. But, it is wise to look for a travel insurance policy that includes at least some identity theft coverage.
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