3 Most Common Travel Insurance Claims - SweNay.com

Travel insurance is an important step to take for anyone planning a trip. It will provide security and peace of mind as you travel and prepare you in case something unexpected does occur. An unexpected event or occurrence can be quite costly rather than simply inconvenient. Travel insurance is widely available at affordable prices so it makes little sense not protect yourself as you travel. Hopefully your trip will be smooth and trouble free, but just in case an accident or other misfortune does befall you, you will have a safety net to fall back on. Millions of travel insurance claims are made every year. Travel insurance claims can vary and cover a broad spectrum, however, some claims are more common than others. The three most common travel insurance claims are medical claims, lost luggage claims, and flight cancellation claims.

Medical Claims

Medical claims account for almost one third of travel insurance claims. The unexpected illness or accident may be only a minor, temporary interruption in your travel plans. On the other hand, it may be something much more serious. Medical costs that travelers may encounter may range from a basic doctor visit to a helicopter evacuation and everything in between. Travel insurance prevents a medical disaster from turning into an economic disaster.

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Lost Luggage

The second most common travel insurance claims are lost luggage claims. It is not uncommon for someone who travels by airplane, train, or bus, to have one or two stories about lost luggage. Arriving at your destination without your luggage is a traveler?s nightmare. It is easy to lose your temper and get angry at the an airline carrier for losing your luggage, however, with the sheer volume of luggage moving back and forth it is perhaps more surprising there is not more lost luggage. Lost luggage is frustrating and inconvenient and can be costly depending on the items that are lost.

Flight Cancellations

Flight cancellations constitute the third most common travel insurance claim. You should purchase travel insurance as soon as possible to be prepared for this contingency. Unexpected events, an illness or family emergency, a change in plans, may leave you no choice but to cancel a flight. Travel insurance will allow you to change your plans without incurring a costly expense or penalty.

Tips Concerning Travel Insurance

(1) Take the information and details of your travel insurance policy with you. You should know exactly what the policy covers as well as an emergency phone number.
(2) Make a copy of the details. In other words, if the policy details is in the list luggage you can still make a claim
(3) Make a police report immediately if anything is stolen.
(4) Follow the details of the policy to the letter when making a claim.

Travel Tips To Minimize Risks

(1) Get all the necessary vaccinations before traveling overseas.
(2) Research your destination spot(s). Know ahead of time about the possible diseases you may be exposed to and what food or water to avoid.
(3) Put together a small emergency kit of necessary medications that you might need.
(4) Make sure all your luggage is properly and clearly tagged with your name and contact information.
(5) Take a photograph of your luggage in case you need it later.
(6) Only keep current destination stickers on the luggage. Remove the old ones to avoid confusion or ambiguity.
(7) Pick up your luggage immediately after departing the airplane.?

James Bryant is a travel consultant with over 15 years experience. James is an advocate of travel cover and won't his clients leave the country without it.

Source: http://www.swenay.com/2013/01/3-most-common-travel-insurance-claims.html

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