When planning a travel vacation or cruise vacation, the last
thing that one wants to think about is trouble or cancellation.
Thus travel and cruise insurance is often left on the back
burner. However, when the time comes to purchase your vacation
insurance, be sure that you compare cruise insurance and travel
insurance policies to ensure that you are getting what you
expect. As always, it's "buyer beware"!
That's not to say that all insurance policies and companies are
out to deceive you or hide the terms of insurance pay-outs. In
fact, most are very reputable. The problem comes when trying to
economize while buying insurance. You really do "get what you
pay for" in most cases - especially when you compare insurance
policies.
There are often so many variables when purchasing cruise
insurance or travel insurance that we can become somewhat
complacent with what we are purchasing. Again, "Buyer Beware!"
Make sure you know what's available and what's included in your
insurance policy package. As an example, insurance companies
like Travel Guard International, America's largest provider of
travel insurance offers a wide range of benefits with their
Comprehensive Coverage. Included in Travel Guard's packages are
the following benefits:
· Trip Cancellation - Providing reimbursement of 100% of trip
cost if the trip is cancelled under the terms of the insurance
policy.
· Trip interruption - Providing reimbursement of trip cost if
the trip is interrupted as covered by the insurance policy such
as evacuation due to hurricane.
· Trip Delay - Providing reimbursement for additional
accommodations or travel expenses if the traveler is delayed for
more than several hours.
· Lost, Stolen or Damaged Baggage and travel documents -
Providing reimbursements if luggage is lost, damaged or stolen
while the insured is traveling, or if travel documents are lost
or stolen.
· Baggage Delay - Providing reimbursement for the purchase of
essential items if your bags are delayed more than 24 hours.
· Medical Expenses - Providing reimbursement for necessary
medical expenses up to one year after the illness or injury
providing the insured traveler sought medical treatment while on
the trip.
· Emergency Medical Transportation - Covering the cost of
evacuation and transportation to the nearest adequate medical
facility.
· Travel Guard Assistance - A 24 hour hotline for emergency
assistance, medical referrals, prescription replacement
assistance, replacing travel documents and more.
· Livetravel - Travel Guard's round the clock travel agent
service for emergency or last minute travel changes such as
rebooking flights, arranging hotels and ground transportation
and tracking lost luggage.
· Concierge - 24 hour worldwide access to restaurant
referrals/reservations, event tickets, tee times, floral
services, ground transportation and more.
As well, in many cases, travelers purchasing Travel Guard
insurance within 15 days of making their initial trip payment
also receive at no additional cost:
· Pre-Existing Medical Condition Exclusion Waiver - protection
if pre-existing medical conditions force cancellation or
interruption of a cruise or trip.
· Default Protection - providing reimbursement of trip cost if
the tour operator, cruise line, airline or other travel supplier
declares bankruptcy more than seven days after the effective
date of the policy.
· Change Your Mind - protection against cancellation fees when a
trip is cancelled for any reason.
Please keep in mind that these benefits are subject to change,
but at the time of this printing, are available. The above
describes a comprehensive cruise or travel insurance policy.
However, as they say, one size dose not fit all. You need to
match your coverage requirements and budget restraints. Again,
dealing with Travel Guard International, some of their popular
products include:
· Cruise, Tour and Travel - Travel Guard's most comprehensive
travel insurance plan.
· ProtectAssist - Solid travel insurance for the
budget-conscious traveler - and Travel Guard's most popular plan.
· Cruise Guard - Travel insurance designed to surpass the
protection plans offered by the cruise line.
· Air Ticket Protection - Protects air ticket investment against
change fees, adds other assistance services.
· Student Travel Guard - A portfolio of student travel insurance
plans protecting students on virtually all types from Spring
Break to Semester Abroad.
We have identified, through the use of Travel Guard
International's plans and policies a vast number of cruise
insurance options. We have stated before, but at the risk of
being too repetitive, I think that it is important to
re-iterate. "You get what you pay for. Buyer beware!"
If you would like more information regarding Travel Guard
International or would like to get a quotation for cruise or
travel insurance, check out our article "Travel Guard
International Cruise Insurance". You can find the link on our
Article Map listed on the Author Bio.
You've researched for your special cruise. You've found a
fantastic cruise deal on-line. You've booked that cruise
on-line. You've protected your cruise vacation investment by
booking your insurance on-line. Now all that's left to do is to
get excited!
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