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| Travel Insurance: Read The Fine Print 437 Views |
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November 14th 2007. As we head into the holiday travel season, some of us may be thinking of buying travel insurance. There are a range of features available in such poicies - and what you can claim is more often than not conditional on a whole range of 'outs' (policy exclusions) that are described in broad terms in the fine print of the policy document you will be signing. A convenient place to start looking for a travel insurance package is InsureMyTrip.com: (Travel) policies are designed for travelers going on a single trip. They can be used for Cruises, Tours, Flights, House Rentals and a world of other trip types.Most offer Trip Cancellation, Baggage, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death Coverages. Some policies also have options for Collision/Damage coverage for rented cars, Flight Insurance (a form of Accidental Death Coverage while flying only) and added Emergency Evacuation insurance. Some package policies include coverage for children at no extra charge.But hold on before signing up. Read the fine print. Here is one article I came across, which lists 25 most outrageous travel policy exclusions in packages sold in England (see excerpt below). Take time to read the fine print of the package being offered to you. Is the premium you are paying, up front, worth it? For example if you are on a cruise, slip and fall and hurt your leg - will your policy pay for the health care and disability costs? What if you had a glass of wine in the hour before your fall? The great get-out clause in almost all insurance policies is alcohol. Few people realise that if you have consumed alcohol, your insurance company can void your claim whether it be for theft, damage or personal injury. Worse still, policies do not specify the the amount of alcohol that must be consumed and you could find yourself out of pocket after just one drink. Fantasising about galloping through the mountains on horseback on your next overseas holiday? Unless you have made sure your policy allows for it, don't. Horse riding is another so-called "dangerous activity" as far as most insurers are concerned. Insurance cover for delayed baggage is a useful feature of many travel insurance policies. However, few travellers realise that insurers tend to only compensate for baggage that is delayed on the way to the holiday destination. It may seem infuriating but if your bags disappear on an internal flight or on the way home they can't be claimed for. Storm damage is one act of god that insurers will pay for - but don't expect compensation to extend to fences, gates, and hedges. Essentially, anything that is not nailed down - or considered part of the building - is excluded from cover.Forget bicycle insurance if you haven't locked your pedals. Insurers demand "reasonable care" is taken before they will make a payment for stolen bicycles and non-motorised scooters. This means locking the bike - ensuring it is attached to something permanent - or storing it somewhere safe, such as inside a locked home or garage. The rule counts when claiming against a household insurance policy.
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| Posted on 11/14/2007 11:24:22 AM © EyeOnPersonalFinance |
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