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Multi Trip Travel Insurance
Frequent Travellers Find Peace of
Mind with Mult Trip Travel Insurance
For anyone who takes
extended vacations, or has invested hard-earned money into travel
costs, travel insurance is an essential piece of their financial
protection picture. As opposed to standard single trip travel
insurance, insurance companies also offer extended coverage that is
also known as multi trip travel insurance. Sometimes these policies
are called annual travel insurance. For a set price, sometimes as
low as twenty pounds, frequent travellers can purchase coverage that
will cover multiple trips in a year. These policies are available
for recreational or business travellers.
The policies can provide basic of comprehensive coverage. Basic
coverage includes medical expense coverage, personal liability, and
legal expenses. (Coverage amounts for all benefits vary by provider,
so it is important to read all the terms and conditions of the
policy prior to purchase.) More comprehensive plans cover many more
items and conditions, including trip cancellation; lost, stolen, or
delayed baggage; delayed departure; personal accidents and injuries;
catastrophic events; death; loss of passport, money, or other
personal articles; and even hijackings, muggings, theft, and other
crimes. Some plans pay for pet care, and some offer coverage for
incidents and events at home during the trip, such as break-ins,
loss of heat or electricity, and plumbing problems. Children are
usually covered free of charge, and wintersports coverage can also
be added to the policy. With this provision, travellers also have
the opportunity to purchase coverage for their sports equipment.
Although the coverage purchased can be quite comprehensive, it is,
of course, subject to limitations. First, the trips will be
restricted to certain lengths of time, depending on the policy.
Available options include 24, 31, 45, and 60 day trips. Medical
coverage is limited based on certain pre-existing conditions, and
the issuing companies will usually require full disclosure of
ongoing medical treatments at the time of policy purchase in order
to determine coverage. Additionally, coverage levels and prices will
vary with age. While children are usually covered without charge,
seniors will generally find different terms, conditions, and pricing
than younger travellers will.
Multi trip travel insurance is important for frequent travellers.
While itís important to thoroughly understand the terms, conditions,
coverage, and limitations associated with a policy at the time of
purchase, the policies provide important protections that other
personal insurance policies leave out. Purchasing a multi trip
travel insurance policy will give a frequent traveller an added
peace of mind for every trip.