Many travellers wait until the last minute before buying their travel insurance, because they know that if they purchase the insurance online, they can have a policy in their hands straight away. This is how most online insurance websites normally do business. However, buying their travel insurance very close to the date they are going to leave town on holiday or on a business trip runs a greater risk of them being uninsured in case they have to cancel their trip.
How can this be? What does waiting to purchase travel insurance have to do with cancelling your holiday or business trip? It all has to do with one of the benefits of travel insurance. Let's say you have plans to go on holiday. You have your plane tickets and have booked a hotel room at your destination. You've purchased new luggage and some new clothing and you just can't wait to go on holiday - its been so long since you were able to get away!
But... what if something happened to you before you went on holiday? You may become ill or injured, or possibly someone in your immediate family could pass away. Any of these reasons could cause you to cancel your long-planned holiday. Here's where travel insurance would come in very handy. Most travel insurance policies have a type of travel cancellation insurance that would take care of the expenses incurred as a result of having to cancel your holiday. Buying travel insurance before the last minute would avoid the risk of this happening and leaving you out of pocket.
Life is not a given. We never know what is going to happen to us or to members of our family from one day to the next. Anything could come up suddenly that could cause a holiday's unexpected, yet forced cancellation. By putting off buying your travel insurance until the last minute, you are making yourself vulnerable to losing not only your holiday but also the money you have already spent.
People are often busy before going on holiday and can panic when they realise how little time they have left to tie up loose ends before their trip. This can result in them rushing around and buying the first travel insurance policy that they come across. They may be happy that they have managed to grab a travel insurance policy at the last minute but what if something does go wrong and the insurance they have bought does not give them the cover that they were expecting?
Imagine a parent discovering that the policy they bought at the last minute and entrusted to take care of their family's needs while on holiday, ends up turning them down for medical coverage because their child's asthma was considered to be a pre-existing condition by their insurance company. Taking time to shop around and compare policies could have saved them a great deal of worry and money. Some companies provide a list of pre-existing medical conditions which clearly shows what they do cover and asthma is one of them!
It is surprising how many people buy an insurance policy that is not right for them or their situation. Research shows that around 63% of people who are planning a holiday do not bother to take out a travel insurance policy until the last minute. They are not then covered for any of the bad luck that could occur in the run up to their trip which could end up with them having to cancel. Leaving it until the last minute and buying insurance in a rush can often mean they don't allow themselves time to make sure they read the fine print and are therefore getting the right coverage! Many people who don't read the fine print before buying their policy can end up very sorry afterwards however, some sites have their Product Disclosure right on their website, so that anyone can examine it closely before deciding whether or not to buy the travel insurance policy.
Some people think it is perfectly fine to travel with no insurance at all and do not realise what a huge risk they are taking! If, for example, they were involved in a car accident, what would they do? Without travel insurance coverage, they could very well end up having to pay out an enormous sum of money for medical and other expenses.
If you want to make sure you are covered for your holiday before and during your trip, you should purchase your travel insurance as soon as you have put a deposit down on your flight or accommodation.
Save money on your travel insurance today. For a free quote, visit Travel Insurance.
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Weekend Cooking (Kitchen Coach) $8.99 Kitchen coach Jennifer Bushman can help you make great food for family and friends on the weekend and enjoy making it. She'll help you set up an efficient kitchen and identify the weekend cooking challenges you may face - you're tired from the work week, last-minute guests are coming, your family has conflicting schedules - then guide you to great recipes to suit your need or mood of the day. You and your family will be glad you cooked! |
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Last Minute Shopping Polar Bear Statue $39.99 Last Minute Shopping Polar Bear StatueCHAR(13) + CHAR(10) Hand Crafted in the USA It seems this polar bear family has completed their Christmas shopping. Even the two bear cubs are carrying a gift. The sleepy village in the background is covered in so much snow that only the bears can travel in or out. This clever sculpture appears to be carved into a rough stone. As with the entire Carruth Collection, this piece is full of personality and emotion, turning your garden into a whimsical masterpiece! Original Designs by Sculptor George Carruth Made in Waterville, OH Concrete Can be Left Outdoors Year Round 10" W x 5.5"H x 2.75"D Eight Pounds Hand Cast Stone Individually Gift Boxed George Carruth Original Design!CHAR(13) + CHAR(10) Since 1983 George Carruth has been creating wonderful cast images in stone from completely original designs carved from limestone and clay. A cat birdbath, frog rain gauge and dog thermometer are but a few of the outdoor garden statues and sculptures created at Carruth Studio. It all began over 25 years ago with one-of-a-kind garden statues and sculptures, hand carved from stones, cast off from local quarries. Turning rough quarry stones into garden sculptures became the passion of George Carruth over two decades ago.CHAR(13) + CHAR(10) CHAR(13) + CHAR(10) After several years of working as a sculptor at American Greeting Cards in Cleveland, Ohio, George decided to apply his artistic skills to stone. It literally changed his life! Soon he was winning awards at art shows and exhibits, sculpting commissioned pieces for the National Cathedral in Washington, D.C., and carving custom stone panels for a school, library and village clock tower. Even a custom tiny stone Christmas ornament was commissioned for the White House Christmas tree |
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