I know. Not the most exciting part of your trip, but quite possibly may be the most important thing to remember about your trip. Most people completely ignore this.
Even the most seasoned travelers sometimes feel confused about travel insurance — what’s out there, what it covers, whether or not they need it. While coverage and policies vary from state to state, of course, here are some basics of travel insurance to get you started:
1. There are five main types of travel insurance. What you might need depends largely on what kind of trip you’re taking, what kind of traveler you are, and how frequently you travel. The five main types are:
~trip cancellation and interruption (full or partial reimbursement for a trip you need to cancel prior to departure, a trip that gets cancelled because a tour company or resort goes out of business, or a trip that gets cut short for a wide variety of reasons)
~medical (for health issues that occur outside of your normal coverage area)
~evacuation (due to disaster, dangerous weather, political emergency, or medical emergency)
~baggage (reimbursement for lost, stolen, or damaged baggage)
~flight insurance (also called “crash coverage,” this is basically a life insurance policy that covers you while you’re on the plane, in the event of a statistically-rare crash)
Most of the content is written by people at JMorris Travel. Every once in a while we will have a guest blogger, usually it is part of our 'family'.Always with a nod to Family Travel!