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Summer vacation is a time when you and your family are all set to head for a cooler place to get a break. About a month before you set out making the required arrangements like ticket booking, hotel reservations, itinerary planning etc. But in the excitement what most of the travellers forget is to ensure their safety on the trip. An international vacation holds great potential to obstruct a well-planned holiday with several perils. The best way to ensure your time with your family is not affected is by covering it with a travel insurance plan. Here’s how it protects you in different situations - Trip cancelation - You are all set to leave the next day for a family vacation abroad and the same night your child falls ill. This compels you to cancel plans of a vacation. The money you’ve paid to the airlines will not be refunded in this case. So you will be losing a lot of money. Of course that is immaterial before your child’s health, but if you could save it. A travel insurance plan covers this cost in case you need to cancel your trip due to unavoidable reasons. Mostly reasons accepted by the insurer include sudden hospitalization, unexpected serious illness, death of a close relative, bad weather conditions and situations at home like fire, flood etc. the policy also offers compensation in case of flight cancellation. Baggage loss/ delay - Loss of checked in baggage or misplace of the same is a common happening that passengers crib about on a trip overseas. This one incident has the potential of ruining your vacation completely. If you insure your trip, the insurance will reimburse you for cost of purchasing emergency clothing and toiletries. In case your baggage is delayed then the policy will cover cost for a change of clothes and toiletries. Cover for loss of travel documents - Loss of travel documents can create quite a hassle on your trip and after that too, when you have to issue new ones. The policy offers complete assistance in making your travel documents again. Cover for medical emergencies - A trip to a foreign location exposes you to a different climate and cuisine. This can be a little too much for your body to handle. Also, an accident could get you hospitalised immediately. This can get tough to handle all by yourself in an unknown place, leave alone the heavy expenses you could incur. A travel insurance plan helps you manage such crisis. It provides medical advice on call, books appointments and handles the hospital admission formalities. Legal liability cover – If on your trip abroad you face a legal emergency, the travel insurance plan will give you the required assistance. It will arrange for an attorney to handle the legal formalities and also reimburses the cost for the same. Source: http://www.squidoo.com/don-t-forget-to-pack-a-travel-insurance-plan-for-a-safe-summer-vacation I am Anjana Shirskar, an experienced author with keen interest on Financial Topic. I have a number of articles to my credit based on topics related to travel insurance.
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