Personal Effects Coverage is holiday insurance that covers a traveler in the event that their baggage is lost, stolen or damaged in the course of the trip.
Unfortunately this type of holiday insurance coverage is expensive, so the traveler should check with the airline (if they are using one) to see what kind of insurance they offer in the event of the same occurrence.
Emergency Medical Assistance is for covering travelers who end up having to spend time in a foreign hospital or in need of emergency medical care while on holiday.
Nobody wants to get sick on vacation, but becoming ill while in a foreign land is incredibly costly not just because of the medical care that might be required but because some airlines require extra seats to be purchased for the seriously ill so that medical professionals can travel with them.
Be aware, just in case an emergency occurs while in transit.
RIDDLE! What is it? They spend thousands encouraging us to buy it. We are advised never to go on holiday without it. But when we want to buy it, they don’t want to sell it to us.
Read on ………..
So after much deliberation we have chosen the holiday destination, sorted out the flights, and already we are picturing ourselves languishing on warm sands with the inviting blue sea stretching before us, and we just have the minor formality of the holiday travel insurance and then all the arrangements will be complete. Did I say MINOR? Well, yes, holiday insurance was once just a minor formality, but now for retired folk or senior citizens it has become a MAJOR, MAJOR problem. (In fact, when talking to friends it appears that holiday insurance has replaced house prices as the after dinner discussion). The problem is not just about how health affects the cost of insurance but it’s about how age affects the cost of insurance. Isn’t it amazing how an insurance company can take your annual holiday insurance payments for years, you have never made a claim, and suddenly because you have just passed a certain birthday you are too risky to consider. […]
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