-->

HPK

foreign exchange, currency exchange, currency trading, exchange rate, money exchange, forex online, currency rate, online forex trading, currency market, currency exchange rate, foreign exchange market, forexlive, foreign exchange trading, foreign currency, currency converter, technical analysis, trading account, foreign currency exchange, online forex, foreign currency rates, trading signals, foreign currency trading, currency calculator, foreign currency exchange rates, foreign exchange calculator, online currency trading, currency trading for dummies, dailyfx, money exchange rate, exchange rate today, fibonacci trading, exchange rate calculator, conversion rate, currency news, currencies, 4x trading, trading platforms, international exchange rates, forest trading, foreign exchange converter, what is currency trading, international currency exchange, demos trade, world currency, online trading, trade money, trading markets, currency rate today, money currency, live currency rates, live exchange rates, foreign exchange broker, currency broker, online currency converter, expert advisor, exchange rate converter, todays exchange rate, currency exchange calculator, forex trading software, currency option trading, valuta trading, online currency exchange, current currency rate, currency market trading, foreign money exchange, latest currency rate, online trading platforms, online forex trading forex, online fx trading, fx online, exchange converter, currency change, foreign currency converter, trade market, currency pairs, currency chart, trading strategies, currency exchange trading, currency conversion rate, foreign exchange rate today, currency forex online trading, forexbroker, foreign currency rates today, currency futures trading, currency converter calculator, online forex trading platforms, index trading, online foreign exchange trading, online currency, online forex brokers, money trading online, online forex trading account, foreign exchange currency trading, online forex exchange, best online forex trading, automated trading system, today's currency exchange rate, currency trading books, 4x market, currency trading tips, foreign exchange market trading, currency trading account, current currency exchange rates, what is online forex trading, fxcm trading station, broker trading, online forex trading system, day trading signals, world currency rate, currency news trading, international currency, what is foreign exchange trading, forex market online, 4x currency trading, online foreign exchange, international currency trading, trading on line, online forex rates, trading online, currency trading brokers, microfx, online foreign currency trading, online share trading, day trading software, autofx, online stock trading, share trading, daily currency exchange rates, currency trading platforms, trading software, stock market trading, currency signals, best online stock trading, stock trading software, learn to trade, online trading account, currency trading strategies, commodity trading, best trading software, daytrading, day trading, online broker, automated trading, trading courses, automated trading software, foreign rate, intraday trading, current money exchange rates, day trading tips, day trade, trading, day trading stocks, how to day trade, futures trading, currency trading charts, no deposit bonus forex, gold trader, trading system, day trader, paper trading, how to trade currency, online forex currency trading, day trading strategies, latest foreign exchange rate, where to trade foreign currency, online trading system, best online trading, money exchange rate today, what is forest trading, ukforex, trade finance, forex software, currency trading sites, iforex trading, future option trading, day trading currency, forex online business, spread trading, how can i trade currency online, where to trade currency, iforex, currency trading website, trade futures online, swing trading, currency trading signals, day traders, currency trading system, online forex trading companies, online currency trading forex, fxcm, what is online currency trading, option trading software, trade tools, technical analysis of stocks, trend trading, online trading software, forexworld, investing in currency trading, best stock trading software, international currency rates today, about currency trading, commodity trading online, online stock, foreign exchange trading account, futures trading strategies, trader, online fx rates, currency trading information, alpari, currency rate check, stock market currency trading, daily currency rates, online trade, what is foreign currency trading, day trading options, metastock, currency and trade, latest currency exchange rate, online foreign exchange rate, foreign exchange chart, forexdirectory, free online stock trading, learn how to trade stocks, what is 4x trading, free online trading, internet trading, day trading system, currency trading companies, foreign exchange and trade, day trading courses, market for foreign currency exchange, foreign exchange trading companies, foreign money exchange rate, forex currency trading online, traders, trading technical analysis, what is foreign exchange rate, currency trading basics, automated currency trading, best online currency trading, emini trading, world currency trading, day trading techniques, online forex trading how it works, online currency rate, where can i trade currency, foreign exchange day trading, bforex trading, management accounting, daily foreign exchange rates, best forex trading software, onlineifx, margin trading, short term trading, learn to day trade, global currency trading, expert advisors, how safe is forex trading online, forest trading company, investing in currency, online day trading, daily foreign currency exchange rates, start forex trading online, money trade rates, money trading market, foreign exchange rate converter, international currency rate, online options trading, forex download, automated forex trading software, forex trading company online, foreign exchange rate euro, how to trade in foreign exchange, forex charting software, learn forex trading online, foreign currency exchange rates today, money exchange trading, foreign currency and exchange rates, forexmarket, foreign currency price, foreign exchange market today, day trading futures, earnforex, trading online forex, stock market trading software, forexworld exchange rate, world money exchange rate, 4x money exchange, commodity futures trading, foreign trade market, current foreign currency rates, exchange traded currency, updated currency rates, currency rate now, best forex software, fapturbo, 4x currency exchange, best online forex trading sites, online stock market trade, day trading training, online forex trading for beginners, online forex companies, currency, forex trading online course, future, commodity, learn currency trading, forex signals software, bforex online trading, international exchange rates currency, futures trading software, forex online platform, currency trading software, how to trade foreign currency, how to do currency trading, online forex training, 4x foreign exchange, how to trade forex online, swing trading software, futures trading system, online forex exchange rates, stock market day trading, how to trade currency online, fx trading software, forex trading software free, trading foreign, fxglobal, foreign exchange rate update, currency trading rates, electronic currency trading, direct access trading, forex killer, foreign exchange trading sites, what is bforex, money conversion rate, currency trading courses, stock market trading strategies, foreign currency rates live, live money exchange rate, foreign exchange trading for beginners, today exchange rate live, money ex rate, foreign currency trading for beginners, how to trade in currency market, forex trading signals software, how to trade forex online for beginners, foreign exchange rates of different currencies, best online fx trading, ex foreign exchange, international conversion rates, foreign rates today, what is iforex, current exchange rates currency, exchange rate site, ccy rates, current currency prices, what is bforex trading, what is iforex and how does it work, how to do forex trading online, daily money exchange, forex rates online live, currency trading training, todays conversion rate, best way to trade forex online, daily exchange rate, currency trading for beginners, actual currency exchange rates, updated currency exchange rate, how do you trade currency, fortex bank, how to trade in foreign exchange market, how to be a currency trader, stock market trading systems, currency market rates today, www forx, how to invest in foreign exchange, how to trade foreign currency online, foreign exchange currency trading online for beginners, how to start currency trading, daily money exchange rate, buyforexonline, 4x currency, forex trading system software, how to invest in currency market, forax trading, current world currency rates, e currency trading, currency trading tutorial, how to do foreign exchange trading, trading forek, how to start online forex trading, 4x exchange, currency trading explained, tradingforex, best forex software trading, online forex purchase, ?????, global foreign exchange market, official currency exchange rates, forex automated software, foex trading, fo re x, money changer live rates, currency trading education, orex trading, online forex trading tutorial, forex software trading, foreign exchange market adalah, currency forex learn online trading, learn forex currency trading online, four x currency exchange, i forx, currency rate change, 4x exchange rates, what is fortex, fotex opening hours, fore bank, 4x stocks, fotex near me, how to be a foreign exchange trader, what is currency market, how to trade on foreign exchanges, foreign currencies are traded, online forex trading in usa, fotex hours, online forex review, firex canada, market force, currency trading details, what is afx, rofex exchange

Menu Navigasi

Buying Travel Insurance? A Guide to Buying Travel Insurance

A Guide to Buying and Using Travel Insurance: Learn from my mistakes!  Find out why travel insurance is necessary; where you can get appropriate, but affordable coverage; what to consider; and what you should do with it.




Is Travel Insurance Really Necessary? Travel is already expensive enough, isn’t it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don’t know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it’s not really needed? My personal answer is, of course, that I am not independently wealthy and can’t withstand the potential financial losses if I require medical care while I’m traveling. Not being independently wealthy also means that I’m in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance. If you’re still not sure about that, consider the following. Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased travel insurance. In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance. This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan. Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won’t break your budget. You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card. If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of travel insurance. However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the travel insurance coverage you need.




How Much Can You Expect To Pay? When I bought my first plane ticket to China a few years ago it cost around $2000 round-trip, and my travel insurance cost me over $500 because I didn’t shop around for cheap travel insurance online. A few years later, a little bit older and wiser, and my travel insurance for another trip to China cost me much less–about $300 for roughly the same coverage. The difference? Before buying my travel insurance for the second trip, I shopped around online and got the coverage I needed, at the right price. If I’d have purchased my travel insurance for this latest trip from my travel agent, it would’ve cost me about $600 for the trip, and my plane tickets only cost $1,500! Not exactly the smart way to go. So how much will it cost you? Not as much money as it will cost you if you get sick or injured abroad and you don’t have any travel insurance coverage! That’s the obvious answer to the question. In fact, how much travel insurance costs will depend on your age and the type of coverage you choose. Basic policies cost as little as $5.50 USD per $1000 of coverage. On the other hand, you can expect a full coverage policy to cost you from 7 to 10% of the cost of your trip, depending on your age. The older you are, the more you will pay. No matter what the cost of the policy, however, it’s sure to be much less than the cost of medical evacuation! The good news is that you can easily, conveniently and quickly research and locate excellent but cheap online travel insurance and reduce the costs while making an informed purchase. This is much better than taking what you are offered at the travel agency because you can choose from hundreds of travel insurance companies and polices and save yourself a lot of money in the process.  

What You Should Consider When Buying Travel Insurance To assist you in your research, here are some suggestions to help you make an informed purchase. 
1. Consider the worst-case scenario. If you can financially withstand the worst-case scenario then maybe you don’t need travel insurance or maybe you don’t need a comprehensive policy. 
2. Make sure the policy you are considering provides adequate medical/dental coverage, including medical evacuation coverage just in case you need medical care in a place where the best treatment available is below the standards you are accustomed to in your country. This can happen if you fall ill in a developing country or even on a cruise ship.


 3. Check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.  
4. If you are a frequent traveler, you should consider annual or year-round travel insurance policies. Sometimes they are called multi-trip travel insurance policies. Whatever the name, these policies can be relatively cheap when compared to single-trip travel insurance policies. 
5. Know what you are buying, so read the fine print. Make sure that you understand what the company considers to be a legitimate reason for cancellation or interruption. If the list is too restrictive, maybe you should consider another policy.  
6. Don’t restrict yourself to buying only from your travel agent. He/She will probably only have one company’s product(s) available, and it’s there for your convenience, but that convenience can be quite costly! 
7. Ask lots of questions about the coverage. Play the “what if” game. Ask for clear explanations of terminology. Make sure that you and the travel insurance company are speaking the same language. 
8. Don’t buy the insurance through your transportation provider. If the airline goes bankrupt, how adequate will your insurance coverage be?
 Once You’ve Bought Your Travel Insurance Remember that your travel insurance policy covers you between certain specific dates, so don’t start your trip early or extend your trip without first changing the dates of coverage on your travel insurance policy. Of course, this might cost you extra, but that’s cheaper than finding yourself without coverage when you need it the most. Also, it almost goes without saying that you should bring your travel insurance policy with you when you go abroad. You can’t consult the policy if it’s sitting on your desk at home.
Share To Facebook

Related Post