There are some rules you must abide by when buying travel insurance. Travel insurance covers unforeseen events that may not otherwise be covered by your regular insurance plan. These events may include pregnancies, chronic illnesses, and injuries sustained in dangerous activities. Make sure to understand these limitations so you don’t end up paying more than you have to for your policy. The language in your policy should also clearly define when your trip starts. For instance, if you get into a car accident on the way to the airport, the insurance plan may not cover your expenses.
Check the details of coverage offered by each plan. Buying travel insurance without collision coverage will void your trip insurance and will cost more money than if you had purchased collision coverage separately. The rules vary depending on the type of travel insurance plan you choose, but collision coverage is important for any rental car. Some comprehensive travel insurance plans already include collision coverage; others require you to purchase it separately. Always read the fine print and ask lots of questions.
Make sure you are eligible for the policy. You need to know that many policies have a pre-existing condition exclusion. Pre-existing conditions may not be covered. Before you buy a travel insurance plan, get the medical clearance necessary to travel. Some policies will even cover expenses related to pre-existing medical conditions. If you are concerned about a possible complication or accident, read the policy and make sure you are medically capable of traveling.
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