Travel Accident Insurance
General Description
Travel Accident Insurance includes all the normal travel insurance benefits such as personal accident cover, medical expenses, emergency repatriation, personal liability, legal costs, baggage cover and cancellation. When selecting the policy to purchase please ensure that all the categories of potential claim you require are included and with the appropriate level of benefit and excess.
Travel Accident insurance policies offer excellent value for money if you consider the comparison between the premium and the possible costs of any misfortune.
If you or your family go abroad twice or more a year, then you may want to consider an annual travel insurance policy, as this can often prove to be cheaper than buying insurance for each individual trip. With an annual travel policy, you can travel as often as you want within the year, providing that each single trip does not exceed the policy specified duration limit (e.g. a 30 day maximum for each trip).
Types of Activities
Travel accident insurance policies are designed for relatively short duration trips that do not include participation in potentially hazardous activities such as motor sports, potholing, hang-gliding, winter sports and similar activities. There are policies designed to provide cover for long term trips and hazardous activities available.
Problems of Not Insuring
A travel accident insurance policy provides cover for the unfortunate incidents that could happen during a trip. The largest costs that could be incurred are bills for medical treatment, emergency evacuation and legal expenses which can run to hundreds of thousands of pounds, particularly in the USA. If you don’t have travel accident insurance you risk being liable for these costs yourself and that isn’t a situation in which you’d like to find yourself. By buying the right travel accident insurance from a company such as PHA prior to travelling you can avoid such dire circumstances.
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