>> F.M. >>
highly recommends travel insurance. It can completely
take the worry out of traveling due to unforeseen circumstances.
We strongly recommend that you take out a comprehensive
travel insurance policy at the time of booking to protect
you and all those accompanying you for the full time of
your visit against illness, injury, death, loss of baggage
and personal items, cancellation and other travel contingencies.
experienced travelers are purchasing travel insurance. About
25 percent of traveling Americans purchased travel insurance
policies in 2007. That is up from 10 percent in 2003
and the figure is rising.
You may be in a foreign country and have a health emergency
or a relative with you may have a health emergency.
Having to charter a private jet, hire medical attendants
to accompany the flight and arrange ambulance transfers
could be a nightmare. By paying a few hundred dollars
for travel medical insurance not only would the emergency
flight have been covered, but you would also have recouped
some money for a portion of your missed trip.
Add a surge in the popularity of active and adventure
vacations and the fact that travel risks seem to mount with every
news cycle, and it's no wonder travel insurance is gaining converts
in record numbers.
Typically, travel insurance plans run from 6 to 7 percent
of a trip's overall cost, or about $600 for a $10,000 vacation.
These bundled packages can cover everything from
the unthinkable to the tiresome, including accidental death,
critical injury and medical evacuation, as well as stolen
luggage, lost passports and travel delays. Some plans
cover children at no extra cost.
Buy policies that will extend or bolster benefits you're
already entitled to. For instance, some medical costs
incurred overseas are probably covered by your regular health
insurance plan. Homeowner policies may reimburse you
to some degree for lost, stolen or damaged property.
Holders of American Express, MasterCard and Visa premium
cards qualify for a range of medical and other services
when they use the cards to pay for travel.
On-line resources now make it easier to check the fine print.
Broker sites offer instant quotes from reliable insurers.
The range of plans and prices depends on where you
live (insurers are state regulated), the cost and duration
of the trip, your age, your health and what you want to
The most useful policies are for trip cancellation and trip
interruption. These reimburse you if an airline defaults,
or if you cancel because of the illness or death of a family
member. Insurers have beefed up coverage related to
terrorism, which is usually bundled into trip cancellation
and interruption policies.
Most insurers let you modify or cancel coverage before a
trip but won't allow changes or cancellation after it has
begun. Claims are typically paid within a few weeks.
To hopefully find the best plan for you, mix and
match options at the following on-line brokerages:
Fire Mountain recommends that you take out travel insurance
against cancellation due to unforeseen circumstances.
Fire Mountain does not recommend a particular broker.
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