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Travel Insurance: A Valuable Asset
By zame
Nowadays people can buy many types of insurances such as Car insurance, health insurance life insurance there is also a type of insurance specific to the travel industry: The travel insurance Since 25 years the number of travelers is growing thanks to the globalization, but travelers have also become aware of the risks a trip can possibly have and many of them subscribe to travel insurance.

What is travel insurance? A travel insurance like any other insurance protects the subscriber against risks ( these risks will be detailed later in this article),but travel insurance is different from the standard insurances: Indeed travel insurance is renewable from one trip to another , people can subscribe to a travel insurance during one trip as soon as the trip ends the insurance also ends. They can also of course have another type of contract if they travel frequently


How can we get travel insurance?

When a traveler books his ticket, the company he is traveling with normally offers travel insurance, Tour operators can also offer travel insurances to their clients. Travel insurances can also be purchased from specialized companies.

How can I can I choose my travel insurance policy? In my opinion people should do a little market study before subscribing to any insurance policy and choose according to their needs: - For example if a person already has an illness and is going to a country where his illness can cause him more trouble the individual should choose his insurance policy accordingly and make sure that it has for example an emergency medical evacuation clause.â
- Another example: Given the actual economic situation people can subscribe to an insurance policy that protects them against cancellation.
- Moreover since September 11 2001 some travel insurances offer an acts of terrorism clause that guarantee refund if people have trouble reaching a destination because of terrorists acts .
- Make sure that your travel insurance covers your family members when you are travelling with them.
- Make sure that your travel insurance is valid in the country you are visiting
- Pay a particular attention to the refund mode that your insurance provider uses:
Will they pay your expenses directly or will you have to pay and be refunded later?
The latter case is a little useless, for example if you need emergency care and can pay for it then the insurance will prove to be useless

My point is that whenever people decide to subscribe to a travel insurance they should take time and figure out which offer is most suitable for them.
- Sometimes the insurances you have already subscribed to may offer a travel insurance service make sure you check with them before subscribing anywhere else.
- Sometimes your credit card company can provide insurance if you book by paying by card with an additional fee

In the precedent paragraph we talked about different causes that companies can propose to their clients, we can categorize these clauses by studying the different types of insurances that are available on the market: Travel insurances covers mostly two types of risks: - A cancellation risk: if your trip gets cancelled and you have already paid your hotel

reservation, your tickets and neither of them is refundable then travel insurance can help you and you can get your money back.
- Medical risk: if you go to a foreign county and fall ill on a boat trip for example only your health expenses, your medical care expenses but also your repatriation on ground which will not cost you anything.
Suppose you fall seriously ill and need to be transported back home, given the fact that some companies require sick individuals to travel with a doctor that meat you will have to book more than one seat and it can cost you a lot if you are not insured.
Some other risks are also covered by travel insurances:
- Luggage insurance or personal effects: if you are travelling with valuable belongings , expensive jewelry for example you can get it insured note that the price for insuring an expensive necklace for example will be negligible compared to the value of the necklace itself.
- Death insurance

Travel insurance in Europe The European health insurance card (EHIC): Any resident of a country inside de European economic area can receive medical care for free or at a low cost ( depending inn which country they are travelling to ), it covers healthcare which would normally be covered in the traveler's original country . This means that: - It does not cover expenses for people who visited the country specially to get treatment
- It does not make travel insurance useless, which doesn't make it a travel insurance policy in itself it is more a complement for travel insurance.
The EHIC is free of cost and was adopted the 01 January 2006

The Montreal convention (1999): The Montreal convention allows travelers to ask for indemnities in case of aerial accidents indeed the convention stipulates that in case of corporal damage caused to an individual the transporter has full responsibility. In facts the article 21 of the conventions states that:
The carrier shall not be liable for damages arising under paragraph 1 of Article 17 to the extent that they exceed for each passenger 100,000 Special Drawing Rights if the carrier proves that:
- Such damage was not due to the negligence or other wrongful act or omission of the carrier or its servants or agents
- such damage was solely due to the negligence or other wrongful act or omission of a third party.
The Montreal convention also allows a passenger to claim indemnities if his luggage is lost or deteriorated.

A classification of travel insurance policies:
I said earlier in the article that every traveler should choose the travel insurance policy that fits him, that fits his needs, there is a large array of choice on the market, and all the policies are categorized: We will here list some of the most common policies:
- Personal travel insurance which is normally provided by tour operators
- Business travel insurance: these kind of insurance policies offer special clauses like:
- Sending a colleague in place of you ( if for example you are ill)
- Stolen business equipment :( never subscribe to an insurance provider that does not offer this clause!)
- Stolen business equipment ( businessmen often conclude deals on a golf course)

An article by Mon Hotel
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monhotel.fr

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