Just imagine you are all set for a vacation. You have packed your bags, taken your bus or train tickets, checked out the hotel reservation, you are well prepared. What about your safety during the trip? What if your rented car meets with an accident or you lose your baggage? You don't have to worry about such mishaps anymore. That's why the insurance companies provide vacation travel insurance for your convenience.

Travel insurance offers coverage for vacation and trip cancellation, travel interruptions and delays, emergency medical and health expenses, lost baggage and much more. It also covers emergency medical assistance, last-minute or emergency travel and flight changes, lost luggage tracking, pre-trip travel advice etc. There are also special coverage for cruisers that features missed cruise connection, medical expenses etc

To help protect you from losing the money you've spent to travel, there is Patriot T.R.I.P plans. This insurance provides protection to travelers who are unable to travel or are are unable to make their trips due to unexpected circumstances such as illness or injury, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline.

What is covered by a travel policy always depends upon the type of policy. There are a few plans that offers only trip cancellation and interruption of air tickets. Some programs offers coverage for travelers who are not bothered about the money lost in trip cancellation, but still requires medical baggage and interruption coverage along with emergency travel services.

Car Rental Collision Damage Insurance can be

used during rental car damage if it's rented from a recognized licensed auto rental company. It includes a comprehensive coverage. This coverage includes cost of repairs for collision or comprehensive damage to a rental car, up to the limit of coverage. Flight accident plan provides coverage for Accident, Death and Dismemberment insurance for the entire family.This flight insurance covers during the entire duration of your trip while you are flying on commercial airlines.

Insurance like bag trak provides annual Coverage for lost, delayed, or damaged Baggage! Bag Trak is very affordable luggage covers an entire year worth of travel. Annual travel insurance plan for travel offers frequent leisure and corporate travelers a year's worth of affordable travel protection, despite the number of trips you have taken.

Now you would have got a vague idea of getting vacation insurance. But do you still think why you need al this insurance when you can just use your credit cards This is because Travel insurance from credit cards is mostly limited to the coverage of car rental damage, flight accidents, and accidental death during travel etc. You can avail all this only if you have paid an extra amount for these services.Moreover most credit cards do not offer any coverage for travel medical expenses, evacuation costs, or trip cancellation expenses.

The trip coverage For Travel Medical, Multi-Trip Medical and Medical Evacuation Policies becomes active at 12:01AM, on the day of your departure. For Flight Accident Policies, coverage becomes active from the day of your departure upon boarding your flight. If it's purchased on, or after your departure date, coverage begins at 12:01AM the following day. But is it possible to purchase the policy after departure Very few companies do provide such facilities to purchase the insurance after departure.

A policy can be purchased up to the day before you travel. But its always better to purchase early to prevent situations where something can happen before you buy your insurance which will not be covered.But the best time to purchase the insurance is from 7 to 21 days of making your initial trip payment. The day you make the first trip payment is considered as day one by most of the companies and not the day when the check is cashed.

Most of the companies also offer protection against the financial default of a tour operator, airline or cruise line. Insurance coverage for the above reasons has existed for ages. But those who buy travel insurance today have choices beyond that. In the last few months, insurers have added coverage for golfers, adventure travelers and pet owners.

Just incase you had to postpone your trip or cancel your trip, and you feel that vacation insurance is not necessary you can always cancel two weeks after the purchase. If you cancel your policy during that time, you will receive a full refund except for a small non-refundable processing fee charged by the company.

It is always better to get a group insurance than individual, so that you can get coverage cheaper as a group. Sometimes you will have to pay more for less coverage if you are buying it through a travel agent. He might just take some extra money from you to fill his pockets. So before you take a policy through agents, better examine and compare different policies before you buy the one of your choice.

From the time people started traveling, the need for travel insurance has come up. With the advent of years travel insurance have become an important part of all the people who goes for a trip. Insurance companies have started bringing out policies for the general market, as well as policies for the niche market like golfers, corporate travelers etc.

Travel insurance has become a big industry covering a huge number of policies within the last few decades. It has indeed become a necessity for every traveler and it prepares you to face any unexpected expenses. It further allows you to avail the coverage amount; from any part of the world. Buying travel insurance is really worthwhile if you are spending a huge amount on your trip. For your convenience Insurance companies have come up with the facility of buying travel insurance online. With just a click, now you can buy the policy of your choice from anywhere across the world.