Most people know that when you travel, it’s a good idea to carry
travel insurance. As with most insurance however, there are plenty of
myths floating around that can make purchasing this insurance confusing. See more travel insurance tips.
Myth 1: You Don’t Need Insurance for Short Trips A weekend trip may not seem like a trip that requires much in
the way of travel insurance – and it’s true that you may not
require certain types of coverage such as trip cancellation since the
odds are good you don’t have much financially invested in a quick
road trip. But there are some coverage options you still need even if
you are just crossing the border for a few days. Travel health insurance
is a good idea no matter how long the trip – an accident or sudden
illness can happen any time, even on a short trip. Don’t cross the
border without the right health coverage.
2: Medical Coverage is Always Included While there are some comprehensive travel packages available,
you can’t be sure you are covered for every eventuality. Make sure
that medical coverage is included in the package policy; it is often a
separate policy. While travel insurance may cover the cost of lodgings,
transport and other costs associated with an injury or illness, the actual
medical bills are often a different matter. Purchase a good medical plan
every time you travel outside the country.
Myth 3: Your Credit Card Will Cover You Many credit card companies offer trip protection insurance to
cardholders as a benefit, but that doesn’t mean you are completely
covered. First, you have to use the card to pay for the travel in order
for benefits to be provided in most instances. Second, the coverage may
be very limited. Especially on a trip that is far from home or is very
costly, you should always look into a full insurance package that provides
extensive coverage. Call your credit card company to find out what’s
in the fine print, and bolster your coverage accordingly.
Myth 4: The Airline Will Cover Delays If your flight is delayed and you are stuck with costs like a
hotel bill, you might think that the airline will cover your costs. Unfortunately,
they don’t have to do so they may provide budget hotel options if
any at all. Having a trip protection insurance policy will ensure coverage
in case of any sort of delay in your flight and the take care of the costs
associated with it.
Myth 5: You Can Get Reimbursed Without Insurance If you have to cancel a trip at the last minute due to an illness,
a family emergency or any other reason, you might find airlines and hotels
less understanding than you expect. Unless you have purchased a refundable
ticket, most airlines will not refund your money if you have to cancel.
And most hotels have a cancellation policy requiring some advance notice
to cancel. You could be out thousands of dollars if you cancel last minute:
travel insurance is the only guaranteed way to avoid this.
For trips short and long, near or far, be sure you know what you are
buying, and get coverage you can depend on by avoiding these myths!
About the Author
Johnny Mangiante is an online journalist. He is also the editor and webmaster
for many websites. For more information on Travel Medical Insurance for
Visitors to Canada see his website http://www.visitorstocanada.com/.