If the traveler are random, probably buy the insurance from the travel agency. But if you travel more than twice a year, is much more convenient for ensuring the continued throughout the year, when l ' purchase every time you need to travel.

Thinking about the future, plan ahead. Annual travel insurance easily pays for itself with them only a few trips. But not all insurances are worth the same, and as always the cheapest is notnecessarily the best. More on that later.

Annual travel insurance is not mandatory, but it gives you peace of mind the case of illness and loss of or damage to property and many other events. Where is the best place to buy annual travel insurance?

1. Your bank is probably the first place to try. The banks have recently been highly competitive and keep your business, offering the best prices. For example, my bank has upgraded myAccount at a premium account and for which I pay $ 20 a month.

As a result, get some privileges, like free, all over the world, comprehensive travel insurance. But here's the best ... I understood all the free travel insurance not only for me but for a member of my family to travel with me, my parents and brothers.

Having said that I am free because I always had other benefits that are much more valuable than $ 20 a month if I were to buy separately. I also save a lot of time, since I have never, to get the insurance. So they do not ignore your bank.

2. Credit card companies also offer similar insurances, with some extra benefits. In case of lost or stolen credit card, which will offer you with an emergency situation, often within hours.

In addition to offering travel insurance, there is an additional advantage in terms of control of your company credit card. When reserving> Traveling with your credit card, more or less all the credit card companies to provide excellent coverage against many of the things that can go wrong.

Some credit card companies have also specialized travel services, which not only you but also give discounts to protect a trip even better, ie better travel insurance and much more at a lower cost. But note that the exclusion of any mention of insurance, you make a request for the same item to multiple sources, even ifhave insurance anymore.

For example, we tell you to take out travel insurance to be purchased separately, and you bought the ticket with your credit card. If your luggage is lost, you can almost certainly the right to one of two sources, but not both at the same time.

The reason for this is that massive fraud suffered by insurers in recent years. Granting requests simply encourages fraudsters to haveseveral insurance companies and make several false statements.

For example, take an already damaged suitcase on a long journey, knowing that falls to pieces. You can then claim, damage and loss of property by several insurers.

3 Insurance is a major and obvious source for annual travel insurance. If you drive a car or home insurance get a quote from your insurance company. Remember, because you're a customerYour car insurance often entitles you to a discount very good.

Here's a tip: If you can not make the insurance competition, tell them that you will be looking, where else for a good package. Let them know you are looking for a package that includes great home insurance, travel insurance and a good sound car insurance.

Listen, the fear of loss so that bend over backwards for you and if not? Here's a tip: ifThey speak a different source to complete the competitive travel insurance, you must call your other activities, you might insurance with them, like your car, home, house items, etc.

This will not work with travel companies, but it works pretty well with most insurance companies. I have done many times and saved me thousands of dollars, even thousands, in recent years.

The insurance industry is heavilycompetitive. For once, this works in favor of the 'little man "(you and me), so we want to use it.

4. Some types of home can also set an annual travel insurance provided. Take a look at so they have virtually no insurance coverage. Some home insurance companies include some forms of travel cover including loss or damage to property, while away from home.

Tip: Even if you live with your parents, asking them to review their policy for you. You will be surprisedto see that "property" is covered, while away from home.

Just a word of caution: Do not go on what is covered or plane. If you're unsure, just ask the insurer. When the lid describing seems even better than what you expected, based on the policy document, we ask you to keep them clearly in writing.

Why? If there is no significant loss, the insurer is a local expert to assess the damage. These guys are called loss experts. Your task is toSave money on insurance. And I tell you from bitter personal experience, do not take prisoners.

They screw on the floor if you do not get that clear in the text in black and white. Just do it. It only takes a few minutes to request clarification in writing, but you can have thousands of dollars, when you are fighting against one of these media experts loss with you about politics.

5. You can even last minute travel insurance travelagents and airlines at the airport. Think of being supported, strong! Needless to say this is one of the options more expensive. Just avoid ending up with this option, refer to your insurance long before you need to travel.

Now comes the question. Travel Insurance are not all equal. Besides controlling prices, be sure to read the conditions. For example, the upper age limit of some insuranceCompanies can vary.

Some companies may limit the number of annual trips, while others have no limit. You see, most travel insurance covers a wide range of events and claims. But as I said, the devil is in the details.

The problem is that they are in any case, with some really cheap policies from companies unknown and possibly disreputable face what they put in the fine print. You know what I mean? ... all small-looking statements to her onBack of form? Or, if you buy on-line insurance (and should) put all these sites in fact the small text that ask you to agree?

Well, this is where they buried many small conditions and restrictions. Most people do not read all the terms. Do yourself a favor and read on this occasion, that does it all. If the terms of the insurance policy is "moving full of weasel words" or complex language, and not only for the purchase.

All insurance companies are readyremember how many millions can be shown in the "total", in case of accident. But they all limit the amount of each item in your application. How are the demands of loss of money limited and requests for electronic devices, clothing, etc.

This means that policies more affordable is a very low limit was. For example, if you ask for a phone and an MP3 player, you can see that the limit is for personal electronic devices are not sufficient to allow "a" of this equipment, pay But both. Not waiting for an unfortunate event to give you the error in a ridiculously low price policy. This is the worst time to discover, and it is a time when the most help.

What needs to cover all areas of politics?

1. Loss or damage to property and money

2. Delays or cancellations of flights

3. Accidents

4. Disease

5. The costs, if one OCUR event

6. The potential liability to other people

7. Legal Services

Compared to the total cost, annual> Travel insurance is just a tiny bit. If you are covered for all eventualities, you worry less, resulting in greater relaxation and enjoyment.

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