Spend your holiday in Cuba


Choose The Travel Insurance That is Right For You

It is something that we all need if we areState. American citizens are still forbidden
planning to take a trip overseas. Travelto travel to Cuba and obtaining travel
insurance will cover most costs in the eventinsurance  to  go there is almost impossible.
of a delayed or canceled trip, death or
illness  and  lost  baggage.Some insurance policies will cover acts of
terrorism while other policies won't - always
The situations that are commonly covered bycheck the small print or contact your
travel insurance are emergency medicalinsurance company if the policy isn't clear.
assistance, death, a canceled trip andCheck whether your policy covers you in the
damaged baggage. You can generally take outevent of natural disasters such as floods or
travel insurance for any or all of theseearthquakes - especially if you are traveling
options, although it may not always beto  certain  parts  of  the  world.
necessary. Make sure you understand exactly
what  your  policy  does  and does not cover.If you are traveling to a country where
riots, civil disturbances, strikes or other
If you are traveling overseas, always checkoutbreaks are likely to affect your travel
your existing medical insurance to seeplans, look for travel insurance that
whether it covers you away from home - youspecifically covers those possibilities -
may not need to take out extra travelmany  policies  exclude  them.
insurance. And you may not need to take out
as much travel insurance if you have a majorAnd airlines reserves the right to cancel
credit card - most credit cards include someyour flight and offer you a full refund in
kind of basic travel or trip cancellationthe event of civil war, hostilities, riots or
insurance.other things determined to be "acts of God".
As far as lost luggage is concerned, airlines
So if you do need travel insurance, where doinsure your luggage against loss or damage to
you get it from? Most cruise lines, travelsome degree - you can take out extra
agents, airlines and tour companies willinsurance  if  you  want  to.
provide adequate and comprehensive travel
insurance. If you are taking a cruise, it mayIf you are traveling as part of a group -
be easier to let the cruise line handle it -often defined in the travel industry as 10
they may also be able to offer you a lowerpeople or more - it is almost certainly
rate  as  they  can  buy group rate coverage.easier and cheaper to take out group travel
insurance. As long as your group is traveling
Some insurance won't cover pre-existingtogether,  it  should  qualify.
medical conditions or participation in
dangerous activities such as skiing orAnd so-called "family plans" are often less
mountaineering. Decide whether you need thisexpensive when it comes to travel insurance
type of insurance before you travel - mostfor families traveling together - family may
insurance companies won't allow you to addinclude extended family such as cousins,
so-called dangerous sports coverage to yourgrandparents  and  various  in-laws.
policy  once  you  are  actually  there.
Like most insurance products - travel
The cost of travel insurance can be a lotinsurance can be confusing. It's certainly
higher if you are traveling to certainworth taking out the right insurance - at the
countries that are considered to be risky orright price - so you can actually enjoy that
unsafe. These "travel advisories" arelong awaited trip.
maintained on a list by the US Department of



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