FAQ about travel insurance

Travelling can be the most pleasant activity, but it can also pose many risks such as medical incidents or baggage misplacement. One way of removing some of these possible stress factors is to get travel inssurance. There are many types of travel insurance and you can choose one that best suites your needs.

If you are not familiar with this topic, here are some of the most frequently asked questions about travel insurances.

provide leverage against potential financial losses.

Why do i need travel insurance?
Like most insurance plans, travel insurance will reduce some expenses if something unforseen were to happen. Travel insurance can be usefull if your trip can get canceled or it can provide financial and logistical support in case your trip is interrupted, you are experiencing medical emergencies, lost baggage or are in need of assistance in a foreign country.

When is the ideal time to buy a travel insurance?
The ideal time to purchase travel insurance is immediatly after paying for your trip deposits. This way you will recieve the maximum coverage period in case of a trip cancelation. There are also some travel insurance plans with benefits if it is purchased within a certain number of days, usualy 10-15.

Can a normal insurance be enough?
Most of the times a normal health insurance coverage has a limited range of protection that typically will not extend outside the U.K. Some health insurances for example do not cover senior citizens who are in need of medical assistance outside of the U.K. Also your credit card won't provide the same level of coverage as a travel insurance.

Can travel insurance cover medical emergencies ?
Most travel insurances will cover medical emergencies and evacuations. Health insurances don't have coverage outside the county, and medical expenses can be very high in other countries, that's why travel insurances with medical coverage are important. In addition to the financial support, travel insurance wil provide foreign language support to find the nearest facility.

Where is the best place to buy travel insurances?
If you are not sure if buying travel insurance from the cruise line or independent companies you should know that travel insurances from cruise lines will not cover expenses such as airline tickeks, tour operators or side excursions. It will only provide coverage for the cruise itself. Also if you have to make a claim you will not be reimbursed but will recieve non transferable credits that can be used on the same cruise line.