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Главная » 2010 Март 07 » Important Information About Travel Insurance Options
11:43 AM Important Information About Travel Insurance Options |
Companies are working to broaden their scope, to offer additional insurance options to their customers, to keep pace with the growth of the travel industry. In the past few years, there has be an increase in the cases of disease outbreaks, terrorism, and environmental diseases, that has prompted companies to provide these insurance options. Whether traveling domestic or abroad, this insurance really gives you more of a worry-free sense of heightened financial security. There are many different insurance alternatives available to today's traveler. Insurance that covers accidental death of the insured, due to an injury, is a type of insurance that is offered by the Common Carrier "Air only". In this instance, as an insured voyager flying on a commercial flight, you would be covered. Insurance against accidental death or dismemberment provides coverage in the event that a travel related injury results in the loss of limb or life. In the event of death, the compensation is awarded to the beneficiary. However, the financial benefit will be directly related to the specific plan purchases. Another practical purchase is Accidental Medical Expenses which pays for injuries cause by an accident. In the event medical treatment is deemed necessary, you would be compensated for the expense accrued through reasonable treatment by a physician. The schedule of benefits will explain the maximum benefit for this, and the treatment cannot surpass this. Emergency Medical Evacuation means your insurer may be paying, based on the amounts shown in the benefits schedule, for any of the expenses that are covered. For this coverage to take effect, required evacuation must be due to the injury. Only a legally licensed physician can decide whether the extent of your injury requires that you be evacuated. Under Repatriation of Remains, the insurer will be required to pay the reasonable cost, as shown in your policy, to return your body back to your point of origin. However, your death must be during the travel insured and must be the end result of an injury. Cremation, embalming, coffins and transportation are some of the covered expenses in this policy. Baggage and Personal Effects insurance is highly recommended to cover your property in the event of loss, damage or theft. However, this insurance is only applicable during air travel, and the items must be checked and under the custody of a commercial air line during the time of loss, damage, or theft. If the insured luggage is damaged, lost or stolen, notify the proper authorities and your insurance provider immediately. If you're dealing with a baggage delays, your coverage can reimburse you up to the amount listed in the schedule of benefits so you can replace some of your personal items. The coverage would include items like clothes and toiletries that are essential, if needed. The insurer will make sure your baggage was checked-in and was in the custody of whatever commercial airline's flight you were traveling on. Flights that are delayed for longer than twelve hours, may entitle an insured traveler to reimbursement, based on the insurance plan that was purchased. You get an added sense of serenity for yourself, and your beneficiaries, as well as monetary security. With this type of insurance, the benefits greatly exceed the cost of the purchase. While insurance for travelers is adjusting to the needs of its customers, another item transforming the travel industry is e-ticketing. There is no longer a need for paper tickets with this new system, but the cost to the passenger will be similar to that of a prepaid ticket. Having your tickets lost, misplaced, forgotten or stolen can be one of the worst things that can happen to a traveler. Since you typically print the e-ticket right before you get on the plane, it is difficult to lose. |
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