Time for the holidays arrive, and some of you may have already planned how and where to spend a moment to relax with your family. To prepare your holiday, choose a trustworthy and reliable travel agent to arrange your trip, decide wisely where and what you do on your destination, prepare travel documents and things that bring on your trip, and of course, the avoid your holiday turned into a disaster, you must take out travel insurance as aSecurity.

Travel insurance is one of the most important tools for your vacation, so you better choose wisely your insurance company if you decide to buy one. Look around for the best price and quantity, and is also a good idea to guide and tips to help you find the best travel insurance for your trip.

But do not feel 100% sure, just because you have travel insurance, because no insurance that can cover all risks. So do not travel insurance, there are things that travel insurance does not cover much. Knowing these things is important to you, in case of a preparation can happen to some of them before or during the trip. It is also useful to help you in choosing an insurance provider that is able to cover for your trip.

I have compiled from many sources, the things that a lot of travel> Uninsured on how you see below:

Trip cancellation --

Tour operators

Although it is entirely beyond your control, but the travel insurance is not for the costs they have already made if the trip is canceled by the tour operators pay. You could ask the tour operator, your money back, but travel insurance is not for the loss you will learn of this situation does not help you to pay money backthe operator, or a lawsuit against them.

A tour operator may cancel the trip for various reasons, including their internal problems. Why should you should carefully choose a tour operator, in order to avoid this situation, make sure that this is a good company and reliable.

War or rebellion

Normally, there are some types of damaging situation into a political declaration specifies whether the bile or less. They are generally, strikes, riots, civil war, terrorism, like war,this happens in your travel destination. If a cancellation is made of these reasons, many insurance companies do not cover travel.

Death or illness of a pet

Animal lovers may cancel their trips because their beloved pet is dead or sick, but do not expect the insurance company will have a compassion for this situation, this is also a risk that can not be insured.

Psychological problem

You can not cancel the trip for lessmental illness or mental problems without punishment, because most insurance, this is an exclusion from coverage.

Divorce before travel

One in a million, but it could happen. After purchasing a package tour and travel insurance, suddenly there is a problem in your family, then your spouse for divorce, and ruins the whole plan, and you must cancel the trip. Even this is not considered as a non-verifiableRisk.

Pandemics

If you find that your destination is on a pandemic like the swine flu or something, you can promote the health of your family problems and decided to cancel the tour. But a pandemic is not a valid reason for deletion, so that they are not covered.

Visa Refusal

This case happens, unfortunately it always happens after a ticket or booking a travel package or purchase upon arrival. In most cases you can expect, just cash back from the airlinefor the ticket, but does not normally travel insurance cover for the waiver.

Natural Disaster

Most travel insurance companies say that they provide coverage for trip cancellation, if your goal is fully enclosed by a natural disaster. But please be sure to read the fine print carefully and, as a rule which states that if the appeal or to the airport remains open, you do not receive payment by the demand for insurance.

Health, Medical treatment, or Personal Injury

Pre-existing conditions

This is a common exclusion in many insurance policies, medical treatment so that this condition in the context during the trip must come out of pocket.

Extreme Sports

If you want to do some extreme sports destination, the risk is not accepted by your regular travel insurance. For this you get another insurance company, extreme sports> Insurance or something similar.

Pregnancy and childbirth

Normally it is set, cover the conditions under which the complications during pregnancy or childbirth. Furthermore, it should read the fine print carefully for this to be true.

Occupation

For insurance, the holidays are holidays, meaning, you must not work or do something to keep in context. If you are injured while doing something that started as a profession, not the insurance. Coverage What is a profession not always mean that some 'money, until there is a situation that by hand, with power tools or heavy machinery in progress, could be considered as a group activity.

Drunk

If you are violating all activities after a few drinks there is a great possibility that the insurance does not pay. So look better on this.

Sexual Behavior

If you suffer an illness orhave a worry in your future health, sexually transmitted diseases and unwanted pregnancies on the outcome of your sexual behavior in relation to your holiday, there is a substantial likelihood that the maintenance costs for medical care or tests to take for themselves. Insurance Travel most do not cover these health conditions.

Medical repatriation

Many people feel safe when they know that the insurance cover will be for medical evacuation, if they sufferpoor health in some remote area. Evacuation meaning for the patient to the nearest field, better medical care has moved. But if you need to return to the home page for the appropriate treatment, means people's opinions, and not so many that travel insurance is covered. Since you must read the fine print and find out what they say about her.

Other

The baggage is delayed for less than 24 hours

It 'a good idea, the things you wearfor a day when there is a baggage delay. If the delay is less than 24 hours, the insurance does not cover. Insurance will cover only for the damage exceeds 24 hours, and is only valid for outbound flights, so no baggage delay coverage for the flight home.

In case of loss or damage to keys, money, documents, cards or credit cards

Typically, these products are not as baggage or personal item, you should certainly true that these items during yourTrip.

Problems of flight as a risk to security and terrorism

Sometimes these problems can close an airport flight delay or cancellation of a flight-case basis, and the travel case will not be cover for a new ticket, shipment, or payment for placement of these causes.

I hope this article could help you organize your trip safe and enjoyable. The most important thing is always with great attention to detail in a political vision andthe fine print carefully, because a single word to examine whether the claims can be paid or you've had a nice holiday.

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