You wait all year long, like most people, for those few weeks to relax and have the best time possible, meet new people, get some unforgettable experiences. You have decided that your holiday will be perfect and you did everything that you think is necessary to plan it to the detail. There are so many things that can go wrong from the start without even getting there, through it and on the way back home. That's why you should be insured so situations like canceled trip, illness, baggage loss and so on will find you prepared. Purchasing holiday travel insurance could save you from a lot of money related troubles.

The most common type of travel insurance is Trip Cancellation. If your trip gets canceled for any reason, your tickets will be refunded. Another type of insurance is Trip Delay and it is good if, for example, you find out that your connecting flight is delayed for a couple of hours. Your trip delay insurance will reimburse your money.

If your baggage is lost, delayed or your stuff gets damaged during your trip you should definitely have a Baggage/Personal Effects Loss or Delay type of holiday travel insurance to cover your losses. If you are in a foreign country and you loose your passport, a Travel Document Loss type of insurance will save you from any problems of replacing it and paying for it.

On your trip, a medical emergency can occur like transport to the hospital. Medical Evacuation/Emergency Transportation type of insurance will take care of those charges. It could also happen that you get ill. In that case Accident/Sickness Medical Expenses type of insurance will cover all your expenses around medical bills. .

But that's not enough. Like everything else in life you could expect that there is a catch. The travel insurers will protect themselves from paying for things that they think could be avoided if you don't put yourself in a particular situation and by being more careful about your possessions. Your insurance policy comes with standard cover benefits and what you must pay attention to is written with small letters, special terms and conditions which tell you what won't be covered. 

Remember those medical bills; small letters says that if you are under the influence of any kind of toxins and you get hurt, no medical expenses will be covered. Also if you are planning to do some extreme sports or winter sports like skiing and snowboarding, where is higher risk for you to get hurt, your policy won't cover your medical bills. So you should get separate cover for things like that. Your travel insurer expects you to behave responsible.

What they also expect is for you to take good care of your possessions. If you are taking digital camera, for example, with you (most people do) you should be aware that in case of your camera being stolen, your holiday travel insurance policy will not cover it. And even if you are responsible about your possessions, especially valuable ones, holiday travel insurance policies limit the amount that they are prepared to pay for your expensive staff. In cases like that you need to specifically insure those staff to be sure that they will be covered if stolen.

All these standard types of holiday travel insurances and these little conditions that need separate covers can help you relax and enjoy your travel, without worrying about what could unexpectedly happen and cause you additional financial problems, which can be much higher than actually paying for insurance.

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