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The following article was published in our article directory on October 31, 2012.
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The What Why and how of Affordable Travel Insurance

Article Category: Travel

Author Name: Jeff Desrochers

A few years back travel insurance was shunned like a beggar. No one thought they needed to insure their person and|or belongings during travel. Those days are long gone. Nowadays, insurance for travel is a booming industry in the business of risk management. This article will discuss the reasons why.

What Does "Affordable" Mean when used in conjunction with Travel Insurance?

The proper construction of the same word is one that provides maximum coverage of agreed upon risks for the least amount of money. This is because cheap insurance may cost a lot less but you end up paying out of pocket when non insured and allied risks occur. Affordable, means taking out the type of travel insurance that you actually need.

How Much Does Travel Insurance Cost?

On average, Affordable travel insurance should cost you around 5% to 20% of your total travel expense. Of course the same depends on your particular need, as well as the circumstances surrounding your travel. If you plan to undertake risky activities or have pre-existing medical conditions then the price is higher, if your trip is to a relatively safe place (domestic or international)) and you will be there purely for business then it will be lower.

How Can I Lower My Travel Insurance Cost?

It bears stressing that you can negotiate only to a certain point. As a general rule you can only go as low as 5% of the entire travel cost.. You just need to make sure to declare everything truthfully, minimize risky activities, and request to drop certain risks that you are absolutely sure you will not need. Of course in some cases you can request that the dropped coverage be used to augment the limit or add more relevant risks.

What are the Different Types of Travel Insurance?

There are as many designations as there are risks involved. However the more common types are:

Travel health insurance: Refers to anything that pertains to getting necessary or emergency medical treatment (i.e. snowbird insurance)
Accident insurance: Covers accidents that happen to you
Third party liability: Covers liability to third persons

Travel delay: Covers opportunity loss, pecuniary loss, additional expense by reason of delays in departure or arrival.

Lost|Delayed items: Covers personal items lost or delayed and may or may not augment the amount that is payable by the carrier at fault.

Other Factors to Consider

First and foremost, you need to take care of your credit standing. This is because insurers take note of the same when approving applications and making premium quotes. You need to be considered as "low risk". For example, if you are known as a person who engages in extreme sports, and you are travelling to a place to do the same sport, then you are almost certain to get a very high insurance quote. Third, look for promo rates as well as discount rates. In most cases all you need to do is ask. If that is not enough then you need to understand that group rates or family rates are almost always lower.

Keywords: Travel Insurance, snowbird insurance, affordable, travel health insurance

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