Overseas travel is one thing that people all over the world aspire to. Whether cruising around the Greek Islands on a luxury yacht, sipping brandy by the fire in a Swiss chalet after a day of skiing; or elephant spotting in Kenya, an overseas trip can be the adventure of a lifetime. Unfortunately, though, it can also be the disaster of a lifetime unless due diligence is carried out prior to setting off. Along with passports and plane tickets, one of the most important things to remember before travelling overseas is to arrange Travel Insurance. Not just any “cheapest-you-can-find” travel insurance, but a policy that will take good care of you should the unforeseen occur. Types of travel insurance vary from company to company and it is well worth your while to spend some considerable time shopping around before committing to one policy.
Remember, what is considered an acceptable risk by one insurer, may be excluded by another. Definitions of terms may also vary. Take terrorism, for example. Most insurance policies will exclude acts of terrorism from being claimable events, however, the definition of what constitutes a terrorist act can vary between insurers. What one insurer may deem as an act of violence and therefore claimable, another insurer may deem terrorism and deny any claim.
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