What minimum insurance would I need?
Travel insurance is a must if you are about to start a holiday or any other tour no matter which region you are headed off to. There are so many choices in terms of companies, credit cards and insurance policies that is indeed hard to make a choice which not only suits the tour, but is also affordable for you. We suggest that your minimum coverage amount for medical care should be around US$ 100,000. If your current insurance policy cannot meet these requirements, it is recommended that you buy an additional travel policy.
Why would I need cancellation insurance?
You should add cancellation insurance to your policy so that you are completely covered for all possible scenarios. If your policy provides you with full protection, you will not have to worry about medical emergencies that can happen during, before or after the trip. If your insurance policy also covers your airfare, you will be able to make a claim in unpredictable situations like a sudden change in the tour plan, natural disaster or any other urgent emergency.
What are the average costs of travel insurance?
A travel insurance policy is actually not that expensive and you would be able to afford it. The overall price is dependent on the days for which you will need the coverage or your trip duration. The cost of a complete policy that offers protection in all scenarios is based on the current dollar value of accommodation, airfare, tour rates and other services which you would be availing during the trip.
As an example, if you are traveling for 10 days with a tour value of $1000 USD and air charges of about $1000 USD, the following costs will be incurred.
• 10 days medical insurance = $50 USD
• An all inclusive policy (cancellation, medical, tour, airfare) = $130 USD
What should my insurance cover at the least?
Your coverage policy should at least include the following items.
• Trip interruption or cancellation
• Trip delay
• Emergency like evacuation or repatriation
• Medical emergencies
• Sickness or illness
• Baggage lost, theft or damage
• Baggage delay
• Accidental death due to air carrier
• Accidental death due to any other region
• Worldwide emergency assistance
Please feel free to contact us if you need more information about travel insurance or a tour package.