International Travel Insurance

International travel insurance is essential when you are traveling overseas including going on a cruise holiday. Consider taking an overseas travel insurance that cover flight cancellation and interruption, lost of luggage, unexpected medical cost, illness or injury, and medical evacuations.

You can choose to purchase single trip travel insurance or an annual trip. If you travel only once or twice a year, it's better to choose the single trip. Before you make your decision from which agent to buy a holiday travel insurance, compare a few quotes and read the terms and conditions. Ensure that there is a provision for automatic trip delay benefit.

It's important to cover any delay, cancellation and missed embarkation due to unavoidable situation. The insurance company will reimburse the expenses you incur during this period like accommodation, food and clothing. If you don't want to take any chances, extend your insurance coverage longer than your intended holiday when you purchase it.

You will also get a reimbursement if you have to cancel your trip due to an accident, personal illness, death of a family member, jury duty, and adverse weather condition and so on.

Travel medical insurance is a must have even if you are fit and healthy. This is to cover unexpected medical cost, medical evacuation and the return of your remains upon your death. Don't assume that your credit card insures your overseas travel. Call the credit company to be certain and it does provide international travel insurance, find out the terms and conditions.

The other reason why you should buy overseas travel insurance is to insure loss, stolen or damage luggage or personal effects. Check if you will get reimbursement based on per item, percentage or total claim and what items are insured. Some policies only reimburse certain items like jewelry and laptops.

So when making your plans for your trip, include travel insurance in your budget.

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