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Archive for the ‘Holiday insurance’ Category

When did holiday travel insurance become available? I have traveled all across the United States for both business and personal pleasure via plane or car. When I was much younger (age 11), my grandmother took me to Europe with her for an entire month. The entire cost of the trip was under $3000 which included all transportation to and from New York and to all of the destinations while we were in Europe. We traveled by train, bus, boat and plane to the United Kingdom, France, Germany, Austria, Belgium, Netherlands, Monaco, Switzerland, Italy and Yugoslavia (before the break up). When we were crossing the border into Yugoslavia, an soldier armed with a machine gun came on board or tour bus and gathered all of our passports and let us know we would get them back when we left the country. What would have happened if we did not get them back? What if we were detained in Yugoslavia and we missed some of the planned destinations? In 1970 there were no travel insurance companies. You relied on the reputation of the travel company you were using to make sure you were safe, got where you were supposed to go and made sure medical treatment was available if necessary.

In today’s currency that trip would probably cost well over twenty thousand dollars and if you were lucky the original three thousand dollars might get you a week in one place overseas. With the issues of terrorism, safety and the high cost of international travel, the insurance industry has come up with several types of policies for your holiday travel insurance needs. You can purchase single trip holiday insurance, annual holiday insurance and you can even compare holiday insurance online. There are many holiday insurance websites where you can compare their own policies or other companies’ as well. You can even buy ski holiday insurance.

Expect to spend close to 10% of your travel budget on holiday travel insurance for the best coverage. This top of the line holiday travel insurance will get you the maximum coverage for medical emergencies, lost or stolen luggage coverage, trip interruption coverage, terrorism coverage, and specific sport coverage. Keep in mind that the level of deductibles available will greatly affect your premiums for your policy. ARCH Insurance company offers medical coverage in case of an accident with a low $25 deductible for two people under the age of 65 for three hundred dollars. It also includes work cancellation coverage in its holiday travel insurance policy.

Buying Post Office holiday insurance in the days before the Internet used to be rather difficult and hit or miss depending on what kind of customer service agent you got that day. Post Office holiday insurance packages have long had a reputation as being some of the cheapest holiday insurance available. Lately though, I have seen several comments on ratings sites that mention Post Office holiday insurance as being more expensive that several leading companies on the marketplace. Whether you are looking for single trip holiday insurance, ski holiday insurance or annual holiday insurance you can buy Post Office holiday insurance and get the coverage you need on the Internet from the safety of your own home.

If you are looking for holiday insurance quotes you can go directly to the Travel Insurance Guide on the internet and look up Post Office holiday insurance. There you can browse through the various types of policies available as well as read reviews on the company and their policies, as well as guidelines that help you make an more informed decision on what different types of coverages that are available and whether you need them or not. Even if you are not planning on skiing or trying various “dangerous” activities while on holiday, you may want to consider a sports add on that will cover you if you decide to go snorkeling in the clear blue waters one day in the Caribbean.

If you have questions you about Post Office holiday insurance your first step should be to go to the Internet with all of the details of your trip including your destination, what activities are planned during the trip, your exact departure and return dates, cost of your trip, and any equipment you will be taking along for the activities. Once you have all of these, you can go to several sites, plug in your information and compare holiday insurance in addition to Post Office holiday insurance. Purchasing holiday insurance is very easy as long as you have a major credit card (Visa, Mastercard, American Express and Discover).

Some highlights of Post Office holiday insurance policies are that you can get an additional 10% off the low Internet rates if you purchase an annual holiday insurance policy. You are covered for Personal Liability to two million pounds, Personal Accidents to thirty thousand pounds, actual medical expenses for a covered issue up to ten million pounds and your trip is covered in the case of cancellation or shortening (not by your choice) up to five thousand pounds with 24 hour worldwide emergency customer support.

Other considerations are the age of the traveler as there are considerably higher premiums for persons over 60-65 depending on the insurance company. Standard coverage for Post Office holiday insurance includes travel in the United Kingdom and Europe (including the former Soviet Union countries), but not travel to Canada or the United States. If you are planning travel to the United States or Canada there is additional coverage available at an increased price. Once you have taken a look at all of the factors, age, destination, destination activities, equipment needed, and so on, you are ready to find holiday travel insurance. If you are over 65, want to try extreme sports and are going to Canada or the United States you will not be able to find cheap holiday insurance.