Cheap Travel Insurance

Holidays Where Cheap Travel Insurance is a MUST

If you're going on holiday this year then there may be a temptation to skimp on cheap travel insurance in a bid to cut corners and save money. With the worsening economic situation, it is understandable that travellers want to make cutbacks and not shell out on unnecessary extras.

The cheap travel insurance is one thing you cannot afford to skimp on however, especially with as many as one in three Brits claiming on their travel insurance after going on holiday. If you are prepared to shop around then there are some excellent deals to be found and quality cover on the cheap. Travel insurance is needed on most holidays abroad, but for these three holidays it is absolutely essential:

Prague, Czech Republic
The Tourism to Eastern Europe has been growing in popularity steadily for a while now but the Czech Republic has probably got more of a boost in tourism than other surrounding countries. The capital Prague offers some stunning gothic architecture at the Prague castle which includes the St Vitus Cathedral.
Unfortunately, the darker side of Prague is notorious for petty crime, particularly pick-pocketing. Cheap travel insurance is an essential for a holiday in the Czech Republic but in Prague in particular, in case your wallet is stolen. Holidaymakers are also advised to take travellers' cheques with them instead of large sums of money.

Colorado, USA
If you're worried about the depreciating value of the pound against the euro but can't give up on the adrenaline rush of skiing, then Colorado is about as good as it gets. Your cheap travel insurance is well warranted here though, as is a crash helmet.
The Crested Butte resort was voted one of the most dangerous mountains in the US, and with extreme runs such as Body Bag it's not difficult to see why. For extreme winter sports like skiing and snowboarding http://www.uswitch.com/travel-insurance - cheap travel insurance is a pre-requisite.

Bangkok, Thailand
Thailand is the back-packers country of choice and for those travellers on a budget provides an excellent snapshot of Asia. Bangkok is an unusual blend of simple elegance and awe-inspiring extravagance. The Grand Palace is about as opulent a marvel as you will ever see but it's set against a backdrop of vendors selling succulent street food.

Thailand also dominates the travel insurance claims in the UK: from illness, to injury, to missing luggage or traffic accidents. Bangkok itself is responsible for some of the most numerous and varied travel claims on the planet, making cheap travel insurance a necessity for travellers visiting the Thai capital.

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Travel Insurance

Travel Insurance

It pays to check the small print!

A common thread in most complaints over travel insurance is that ‘I didn’t realise I had to do that’ or ‘no-one told me I couldn’t do that.’
Whilst sometimes this is a totally justified call because miss-selling of travel insurance, though less frequent than in the past, still occurs, there is still a many people who take travel insurance out by simply ticking the box on the holiday booking form without as much as seeing what they are covered for.
This is far from ideal when it comes to making a claim because pleading ignorance is never a strong position to come from.

You can help yourself if you follow a few simple rules:

=Always get a report from an official source within 24 hours if something goes wrong. A police report for theft, a tour operator’s reports for baggage delay and loss, an airline letter if you suffer travel delay and a Property Irregularity Report before you leave the airport if your luggage is lost or delayed. Without these, you will find that insurers will not readily settle your claim.

=Know what valuables you are taking with you and take extra care of them. Valuables will be defined in your policy but generally includes all jewellery, mobile phones, computer games and equipment and cameras. Add to this list the personal money you take with you. By extra care, we mean you should lock them away in a safe in your room or carry them with you. They should never be left unattended and never in checked in baggage otherwise this will invalidate a claim.

=Keep receipts. Not only will this help to substantiate your claim but you are more likely to get close to value of the lost items back, subject to wear and tear. If no receipt is provided then the maximum amount that will be paid back will be capped at a low level. If several unreceipted items are claimed then this will also raise suspicions that the claim is fraudulent and could be investigated.

=Do call the Medical Assistance line if you have to go into hospital abroad or need medical treatment that could be costly. It is worthwhile doing this for anything that could be above £250. Once this is on record, you are generally well covered up to the agreed amounts.

=Finally, whilst this guidance is for travel insurance policies, many people will have a household policy in force that should cover ‘all risks’ up to a set value and this could also be used for a claims for personal belongings lost or stolen whilst on holiday but do check the small print again to see what exclusions apply.

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Coverage Options, Savings and More

Travel Insurance: Coverage Options, Savings and More

Even if you have excellent medical, home, and auto insurance, it is most likely they do not provide much coverage outside your country. Here find out what to look for in a travel insurance policy, coverage options, savings advice and more.

Getting A Good Deal on Your Travel Insurance
You have shopped around and found a great deal on your trip, so why not shop around for cheap travel insurance? Yes, cheap travel insurance is available, especially if you are looking for travel insurance online. Check out these tips to find the best travel insurance deal.

Travel Planning and Insurance
Having excellent medical insurance does not always guarantee coverage when traveling abroad. Purchasing an additional travel insurance policy can cover possible problems that your current insurance may not cover.

The Top Ten Insurance Myths You Need to Know
Umbrella Insurance is for only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.

Real "Case Reports" of Travel Incidents
Here is a great link to real "case reports" of travel accidents out of the U.S. and how they were handled. This pdf document will give the traveler who is seeking travel insurance information a better understanding of why it is important to find a good travel insurance company and what to expect if an accident happens.

Bureau of Consular Affairs Official Website
The U.S. Bureau of Consular Affairs official website and listing of up-to-date travel warnings, announcements and headlines.

Consumer Information Travel Checklist
The excellent resource for the first time or seasoned traveler. The list goes through everything you need to travel abroad from getting your passport, lodging, insurance, marriage, overseas purchases and much more.

State Specifics
All states have varying insurance laws. Want to know more about insurance laws specific to your state? Find your state commissioners website and phone number.

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