If you’re reading this, you know how to get high risk travel insurance. Go online and look around, just like you’re doing now. Easy! Choosing the right insurance is the tricky bit. Where do you plan to go? What do you plan to do while you’re there? How much gear are you taking? What’s it worth? Here are the basics of travel insurance.
Medical insurance is the biggie. It fills the gaps in your policy, and covers emergencies. You decide the deductible. Honestly assess your fitness level, age and pre-existing conditions. If you plan to jump out of a plane, windsurf, cave, or participate in any other adventure sports, you’ll need to add Adventure coverage. Trip Cancellation or Interruption policies cover just what they sound like. If you’re called up for jury duty and have to cancel your trip, this plan will reimburse most of your expenses. It also works the other way round. The insurance company will take care of you if your airline goes bust, or your hotel burns down. Trip interruption insurance covers you if someone at home gets sick and you have to cut your trip short. Baggage insurance covers lost or stolen bags. Be sure that your policy covers the cost of the contents. Skip it if your old socks and underwear are worth less than the price of the policy. Evacuation insurance will get you the heck out of there if something goes terribly wrong, like a rebellion or a coup d’état. If you plan to visit a dangerous place, you’ll need coverage for Acts of War and Terrorism, and perhaps Repatriation of Remains. Flight insurance is a ripoff: it’s a life insurance policy just for the time you’re on the plane, payable if you crash. Buy a lottery ticket instead.
Look at some sites. Read your policy carefully, and hit the road!
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