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Travel insurance

33 bytes added, 00:15, 14 August 2012
Summary tables of coverage
Extensions to your policy are never guaranteed to happen. They will always be at the discretion of the insurer and may be refused based on your previous claims and any other information that you disclose when applying for the extension (and you will usually be required to disclose anything you think might be relevant lest the policy be void). Some insurers treat all applications for an extension as an entirely new application and will re-evaluate your circumstances before insuring you. Medical problems that occur during your holiday may count as pre-existing conditions when applying for an extension and certainly will if applying for a second policy.
==Summary Example tables of coverage==In concert with the above discussions, these tables reflect coverages under three kinds of policies currently offered by one reputable insurer. The first table reflects “top level” coverage items. You should see most/all (and perhaps others) immediately as you're offered a policy. You'll notice that the "Moderate Coverage" (Cvg) and "Deluxe Cvg" examples are better oriented to international travel.
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This next table reflects sometimes hidden details of coverage, in this case just for “Trip/flight cancellation or interruption". A good insurer should will explain any qualifying qualified details/exceptions behind every major/top-level type of coverage offered.
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Some coverages may be increased by paying additional premiums, e.g., for rental car liability. Still others Others must be ''obtained'' through additional premiumpremiums or separate policy, e.g., under "Injury" you may have no coverage if you voluntarily participate in risky or violent activities such sky-diving or rugby... ''unless'' you opt and pay for a special option (or rider), perhaps after describing the activity to the insurer. Having already bought a policy, some insurers ''may'' allow you to later increase coverage... almost always except for pre-existing conditions,.
As discussed above, look at such details thoroughly, especially if contemplating a trip to distant lands. Once you have done so , take your trip and are happy with the insurer, for your next a subsequent big trip you may only need to quickly consider their same policy and options before buying it.
==What not to buy==

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