In any case trip is always a good idea. You can travel for vacation – and you will get some great relax.
You can travel on business – and it will open new opportunities in your professional area. Trips are very useful in case if all your plans were fulfilled.
But sometimes trips are delayed or interrupted. Weather conditions or bankruptcy of the airline company, your unexpected illness or problems at school of your son-teenager –there are millions of reasons that interrupt our tours and ruin our hope. Here’s the thing for your consolation – multi travel insurance.
How to Buy International Travel Insurance
International travel insurance is necessary to those, who cross the borders of different countries. If you travel abroad, to buy travel insurance is a must have. If you visit another state or city – you are still protected by the government of your country. All your package of documents, including passport, driving license, health insurance policy and credit card are valid here. The situation changes completely if you travel to some European country. Especially travel insurance policy is in great demand, when you travel to some African country or South American country. The cuisine and culture of these countries is different from American traditions, so you can easily catch some unknown infection or get diarrhea after tasting some exotic dinner.
It is easy to buy best travel insurance online. You should just find the site, with the function of rate comparing. There you will study the rates of different insurance companies, compare insurance quotes and then add some personal data about your health and details of your trip. Then you will get the sample trip insurance policy. You can pay for it online with your credit card or come to the office and consult a knowledgeable insurance agent. He can add some points to your contract, offer some discount programs and do some corrections – if they are necessary. The best travel insurance is an individual notion. It depends on your needs.
Usually travel insurance policies are divided into two groups. They are single trip insurance policy and multi trip travel insurance policy. If you travel once a year and your trip is not longer, than 183 days, then single insurance policy is for you.
But for real lovers of trips, who go everywhere for vacation or on business – annual multi trip travel insurance will suit perfectly.
Annual Multi TripTravel Insurance and Other Friends of the Traveler
If the best girls’ friends are diamonds, the best friends of the travelers are insurance policies. If the traveler is not insured, he for sure will be disappointed. His luggage will be lost in the airport or his train will be delayed, the hotel, which he has chosen as the place of residence, will go bust and his business partner will appear in the hospital with appendicitis attack.
So if you are a traveler and your Mum asks, what to give you on birthday, tell, that you need multi travel insurance. It will be the best gift to both – you and your Mum, who will finally sleep well at night.
Annual multi trip travel insurance is valid during the year. So on any from the next 365 days you can call to your insurance agent and tell that you are going away. This very time your trip becomes protected from many different misfortunes and paradoxes of life.
International travel insurance gives protection to:
- Travelers for vacation
- Travelers on business
- Traveling students
- Cross-border shoppers
- And anyone, who goes abroad
If you get annual multi travel policy, every trip (starting from 4 days) that you make during this year is automatically protected.
This kind of insurance usually includes two options – trip interruption option and health care option.
The reasons of trip interruption or cancellation can be different. Not all of them are covered. What reasons exactly are covered depends on the policy you have purchased (if you have saved your funds too much, there are only a few most widespread reasons there. If you have got some additional coverage, the list of these reasons is wider).
Remember, that the main idea of insurance policy is the cancelation of the trip for unexpected reasons. Thus, you can get compensation only if you prove that you couldn’t influence the reasons of trip interruption or delay.
As for medical option, it is much more important to my opinion. Snowfalls or rainfalls are not so frequent. But exacerbation of an illness is much more probable. Trip is always stressful – and it may be positive or negative stress – in any case it influences your nervous system. Thus many problems with your health may be activated – those, you have already known about, or new ones.
The area of emergency assistance is always expensive, especially for the foreigners. So just imagine how costly it will be. Even the simplest dental care is hardly affordable abroad, so what about urgent operation? It will be much better if you get the travel insurance policy.
Why Getting Annual Multi Travel Insurance Policy is Recommended?
Purchasing this kind of policy is a great deal for a frequent traveler, because it is money saving. If you get the coverage of every trip separately, you will pay much more. This contract is a good piece of advice for all clients, who travel at least twice a year or more.
If you get multi trip insurance, you will save time as you will visit your agent and sign the contract just once per year. Then everything that is demanded from you is a phone call to the office of your insurance company.
Really, international multi trip insurance is the best choice. Nevertheless, not everyone can afford to make it.
Who Can’t Get Multi Trip Travel Insurance?
I don’t say that every insurance company follows these rules. Of course, there are different insurance agencies that will offer this policy to any client, who will knock in their door. Although usually insurance companies don’t sell multi trip travel insurance policies to people of elderly age (65+) and to people with some serious illnesses (like diabetes or asthma).
If you see, that you don’t fit the insurance company and can’t get the policy there, you should get single trip insurance policy or look for another company. Some of insurance agencies remain loyal to the clients of all age groups and of substandard level of health.
Going to the trip, especially if you visit another country, is really interesting. I hope that you will bring new photos, new knowledge and new business deals from your tour. And surely, use your insurance policy, if something goes wrong.