Are you a blogger or travel professional? Learn what kinds of insurance could help protect you professionally and financially if your blog takes off.
-The type of insurance to get
Clark Howard is a travel expert and he has a few pieces of advice for anyone looking to take some time off this summer. First and foremost, make sure you get tetraplegic travel insurance. This will cover your medical expenses if you are struck down by an illness or accident while on your trip. If you’re not particularly prone to accidents, but do want some level of protection, then Howard recommends traveler’s insurance. This type of coverage can help protect you if something goes wrong while you’re away from home, like getting lost or claiming a loss on your rental property. Lastly, Howard says it’s always important to have enough money saved up in case of emergencies. He suggests having $5,000-$10,000 saved so that you can cover costs like plane tickets home, repatriation, and temporary housing.
The company you should use
When it comes to choosing the right travel insurance company, there are a few things you should keep in mind. First and foremost, make sure the company has a good reputation. Secondly, look for a company that is particularly well-equipped to deal with trips to specific locations, such as Africa or the Caribbean. And finally, consider how much coverage you need. Each traveller’s needs vary, so it’s important to consult with an expert before making a decision.
What are the key benefits of travel insurance
There are a number of key benefits to taking out travel insurance, including the peace of mind that comes with knowing that you and your family are covered in the event of an unforeseen event. Here are some of the most common benefits: Theft or Loss: If your bag is stolen on your trip, travel insurance can help cover the cost of replacing items that were lost, such as clothes and money. A Trip Cancellation: If something happens and you have to cancel your trip, travel insurance can help pay for a new ticket or refund your money. Dental Expenses: If something happens and you need dental care while on your trip, travel insurance can help cover the cost of treatment. Medical Expenses: If something happens and you need medical attention while on your trip, travel insurance can help cover the cost of hospitalization and domestic medical expenses. Natural Disaster: When traveling to areas prone to natural disasters such as hurricanes or earthquakes, it’s important to have travel insurance in case things take a worse turn than planned.
Keyed Issues that could happen while traveling without your health insurance
If you are not taking health insurance while traveling, there are a few key things you should keep in mind in order to make sure that you are as safe as possible. Here are some of the most common keyed issues that can happen while traveling without health insurance: 1. Problems with medications – Without health insurance, you may have problems getting the medications that you need if you get sick while traveling. This can be especially problematic if you are not familiar with the local healthcare system and do not know how to find reliable pharmacies. 2. Sickness and injury – If you get sick or injure yourself while traveling, your health insurer may not be able to cover all of your medical costs. This can lead to additional expenses, such as hotel bills, transportation costs, and missed work or school days. 3. Inability to see a doctor – If you need to see a doctor while travelling, often times these appointments will not be covered by your health insurer. You may have to pay for out-of-pocket expenses or connect with a travel medical clinic in order to be seen by a physician. 4. Problems with insurance paperwork – If something goes wrong while you are travelling
What is the difference between a trip cancellation, interruption and curtailment?
Clark Howard has a useful article about travel insurance distinctions. Here’s the gist: : – Trip cancellation means that you can’t go on your trip, due to some sort of unforeseen event. This could be anything from a health issue to a natural disaster. – Interruption means that your trip is cancelled, but you’re given a refund or rescheduled so you can still make it to your destination. This might happen if there’s an impassable road or if your flight is delayed. – Curtain curtailment means that you’re unable to visit all of the places you’d planned on seeing because the country is closed for business or political reasons. This might mean missing out on sights like the London Eye, Stonehenge or the Acropolis in Athens.�
Clark Howard has been helping people save money on travel insurance for years. Whether you need trip cancellation or long-term health coverage, Clark Howard can help. Find the right plan for you here.