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Should I Purchase Travel Insurance? Travel Safety Tips
This is one of those age-old questions with no definitive answer. It’s estimated that 30 percent of Americans purchase travel insurance, which is a drastic increase since 9/11, when less than 10 percent of travelers were insured.

If you’re flying on a $150 ticket to see Aunt Irma in Wisconsin, you probably don’t need travel insurance. But on a trip such as yours, travel insurance can come in handy if something unexpectedly disrupts your trip. Your first step is to compare the cost of the trip versus the cost of the policy.

The most common situations when travel insurance comes in handy are:

•Your flight is canceled
•Your passport and wallet are stolen
•You require medical treatment while abroad
•You need to cancel your trip due to illness
•An unexpected hurricane hits your destination
•Your airline/cruise line/tour company go bankrupt

Reasons NOT to purchase travel insurance are:

•You’re afraid of terrorism
•A hurricane is going to hit your destination (this applies if the storm has already been named by the National Weather Service)
•Your pet is ill
•Your flight is delayed for so long that you want to cancel

One major caveat: Never purchase travel insurance from the same tour operator or cruise line with which you’re traveling. If that company goes out of business, there may not be money to cover your claim. Use a third-party provider (that includes travel agents).

Also, don’t forget about medical insurance. Even if you are covered for basic emergency care overseas, in almost all cases, your current health insurance does NOT cover you to evacuate you and fly you back to the U.S. Something called “Medical Evacuation and Repatriation” insurance comes in handy here. You pay a yearly fee, and if you get sick or injured overseas, the policy will get you treated, stabilized and flown back to the U.S. to the

Malvinder, Shivinder plan to enter health insurance biz
Malvinder and Shivinder Singh, the former owners of pharma company Ranbaxy Laboratories, are exploring a foray into the health insurance business.
Insurers to adopt uniform definition of policy expiry
Domestic life insurers may have to adopt a uniform definition for expiry of insurance policies to give more leeway to policyholders on premium payments.
Bajaj Allianz to infuse Rs 300 cr
This additional investment by shareholders, Bajaj Financial Services and German insurer Allianz AG, will take the company?s paid-up capital to Rs 1,900 crore from Rs 1,600 crore at present.
Take care, travel safely, get a personal accident insurance
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ICICI Prudential total collection grows 56 pc
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Govt AIDS patients with insurance cover
The government is planning to offer medical insurance to patients suffering from Acquired Immune Deficiency Syndrome (AIDS), in a move that seeks to end discrimination against the HIV-positive patients.
Prudential offers 'Health Active' services to policy holders
Aimed at encouraging people to lead a healthy life, ICICI Prudential Life Insurance has launched a 'Health Active' programme, under which it would offer a range of services to its policy-holders.
First-party car cover to undergo major changes
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Now, you can customise insurance policies
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Insurance giants lose out to new players
With new kids on the block breathing down their neck, insurance giants are increasingly finding it tough.
ICICI Prudential targets small investors via Micro SIP
In a bid to offset depleting assets under management in their debt schemes, fund houses are adopting innovative marketing strategies.
Insurance giants LIC, ICICI Prudential losing ground
With new kids on the block breathing down their neck, insurance giants are increasingly finding it tough. A look at the market share shows that Life Insurance Corporation, ICICI Prudential and Bajaj Allianz have lost significantly.
Aviva Life in distribution tie-up with Anagram
AVIVA Life Insurance, a joint venture between Dabur group and Aviva, on Tuesday said it has entered into a distribution tie-up with Anagram Stockbroking for its insurance products and targets a 25% year-on-year growth in the current fiscal.
Aviva Life Insurance ties-up with Anagram broking
Aviva Life Insurance on Tuesday tied up with Anagram Stock broking for the distribution of of life insurance products.
Insurance cos deny covers to exporters
Unfortunately, it is the current state of the global market that is making domestic insurers shy away from providing the cover. The cover in question is credit risk insurance.
Insurers line up for Ulips despite market crash
Insurance cos are sticking by Ulips despite downtrend in equity markets, going by recent product approvals given by the IRDA of the 22 products cleared over the last fortnight or so, eight are new Ulips.
SBI Life sets a target of Rs 11,000 crore
SBI Life, one of the leading private life insurance companies in the country, has set a target of Rs 11,000 crore business during the current year.
High claims may push up marine insurance rates
Steep rise in claims and turmoil in financial markets are expected to push up marine insurance rates by 20% by the year-end, thus hitting shipping companies hard.
IRDA okays policy customisation
The Insurance Regulatory & Development Authority (IRDA) has taken free pricing to the next level by giving non-life insurance companies more freedom to design their own products.
FDI booster dose to rejuvenate health insurance cos
Health insurance is poised to record a massive growth in India.


hospital of your choice, not theirs. There are a number of good companies that provide this type of plan, such as MedJet Assist.


Peter Greenberg is a preeminent expert on travel. His focus is on the journey, providing insider’s tips and recommendations to an increasingly savvy and demanding traveler. Peter is also author of The New York Times best-selling series, The Travel Detective, which uncovers secrets the airline, hotel, cruise and rental car industries don’t want consumers to know. Check out Travel Safety Tips for more insider Information.
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