Travel is one of the life's greatest joys but even the most carefully planned trip can be complicated by unforeseen events. Whether it is lost luggage, cancelled flights, or medical emergency, an unexpected mishap can turn a relaxing vacation into a taxing experience. But by opting for a good holiday travel insurance policy, you can save your money, safeguard your journey and make your vacation a truly memorable one.

There are many things to consider when planning for a vacation - where to go, what to pack and what do once you reach your destination. No matter how well you plan, there are some things that go out of your control. This is where travel insurance comes to your aid by compensating you for the unforeseen emergencies while traveling.

What does travel insurance cover?
Trip Cancellation/Trip Interruption: Reimburse travelers who are unable to take their trip due to illness or death, weather, airline strikes, terrorism, bankruptcy, becoming unemployed or home being rendered uninhabitable due to fire, flood etc.

Medical/Health: Reimburses medical or emergency dental costs. All most all insurance plans work by reimbursing the traveler after he has paid locally for the treatment. Medical evacuation insurance covers the cost of an air ambulance, attending physician and nurse if you are badly injured or become so ill that you are unable to come back home.

Accidental Death:
Air Fight Accident: Covers death during an air flight only. Usually covers the highest amount of coverage due to lower risk.

Common Carrier: Covers death while traveling in public transport such as ferry, train, bus or taxi.

Accidental Death: Covers death at any time on your trip. Usually provides the lowest amount of coverage due to higher risk.

Travel Delay: Reimburses travelers for hotel, food or clothing expenses in the event of a flight delay.

Baggage Loss: The plan includes reimbursement to travelers for their, lost, stolen or damaged personal items. This coverage is generally for the duration of the trip and not confined to baggage damaged or lost by the airline.

Rental Car Damage: A specific amount is reimbursed to the traveler for damage or loss of a rental vehicle.

Is travel insurance necessary?
One issue that often strikes us while planning for a vacation is the necessity of travel insurance. Nobody likes to think of the odds that could make you cancel or shorten a vacation. No matter how well you plan for your vacation, things go wrong due some unavoidable circumstances. And it is here that you seek for shelter of travel insurance.

As with most things in life, we are exposed to a certain amount of risk when we travel. This is the sole reason why we require travel insurance. Now, whether a person is a student or a professional, it is applicable for both. For students, however, there are certain separate rules and regulations compared to the insurance policies for the other groups of people.

So before you finalize your vacation plans, be sure you have given careful thought to whether you need to purchase an insurance policy while you are traveling. There are circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling. Travel insurance provides you with that extra protection cover you need.

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