You may have travel insurance; but are you really covered?

Travel insurance is a sensible investment for anyone planning to journey away from home - after all, the cost of a travel policy is trivial in comparison to knowing that you're covered if any unanticipated events occur. Moreover, the expense is much more manageable than having to pay for the aftermath of an unfortunate situation in full. But many people who obtain travel insurance are unaware of all the 'minor' details; simply put, people are usually informed of all the features incorporated into a given policy, but are often left in the dark about what's not included.

Travel insurance often covers 'predictable' travel mishaps, such as illness, injury and loss of baggage, as well as flight cancellations and curtailments. Yet many people are unaware of the fact that most travel insurance plans are governed by a myriad of 'small print' terms: that is, travel insurance often doesn't cover every aspect of travel.

For example, any given travel insurance policy might cover flight cancellations attributed to airline delays, aircraft maintenance or severe weather. But what if your flight cancellation came as a direct result of a terrorist attack? Would you still be covered? Most people believe they would be, but the fact is that the majority of existing travel insurance companies wouldn't cover policy-holders under such circumstances - regardless of any injury, property damage or loss of money encountered. So while you may have insurance, it's important to ask: are you really covered?

Insurance is a far more manageable investment than having to remedy an unfortunate situation if it happens to arise unexpectedly. But if an insurance plan doesn't cover certain circumstances which may occur, what's the point of paying for it? It's important to do bit of research and ask some penetrating questions when searching for suitable travel insurance. This is often the only way to gain access to all the undisclosed details which may end up being relevant - and of great importance - to you.

By Andrew Regan
Published: 12/11/2006


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