You may have heard there's a major increase in travel insurance sales because of all the terrorism scares, environmental disasters occurring, and outbreaks of disease. What you may not know is the catch to all of this. Coverage is very limited by most travelers insurance if the traveler wishes to delay or cancel travel plans out of fear.

Insurance doesn't cover you if you are concerned about terrorist bombings on the plane, train, or bus. Or, you may be worried that a hurricane many miles away from your destination could hit your best-loved beach, and chances are that this won't be covered either. These are not the situations where travel insurance helps.

Travel insurance only promises to pay for the un-reimbursable aspects of your vacation. For example airline tickets or deposits for your hotel. Situations that would warrant payment are when the holder of the policy has to delay, or cancel a planned trip, or if the insured is stranded somewhere then the cost of hotel accommodations and meals would be covered.

Medical services are also covered by insurance should you become ill overseas and need medical evaluations. Many medical policies that cover a person at home may not cover expenses in another country and the individual must pay for them unless they have travel insurance. Be careful to look for all the exclusions.

A lot of the potential disasters that increase the insurance sales, end up not being covered. Sometimes the threat of terrorism is ignored completely. The concerned buyer must select their travel insurance deliberately and with these exclusions in mind.

Additionally, policies including terrorism reimbursement cover you only if you have to cancel your trip, AND only if the city you were scheduled to visit within 30 days of your leaving has experienced an attack. A bombing in London that makes you fearful to travel to Paris, or even Manchester in England won't be covered under your travel insurance. In short, you can't get covered for your fears.

However, people buy travel policies because they are concerned and afraid. And the point is that fear is one of the things that most insurance policies don't cover. Insurances companies also have restrictions on when you buy the insurance, many insist that it needs to be bought within 15 days of booking for full coverage.

However, the majority of insurance companies did cover the cost of meals and hotel stays for those policy holders who were stuck in London in 2006 after the foiled plot to blow up planes. On the other hand, because in this instance, there was no actual attack, policies did not pay if someone wanted to cancel their plans.

As with any insurance there are variables in their cost, and one of the variables is how expensive your trip is, and just what type of coverage you would like. There are policies you can get that can take care of costs incurred while you are stranded, cancellations of the trip, any medical coverage, flight accidents, or lost luggage that are called comprehensive policies. You can purchase policies that are itemized to the benefits you desire.

Though not common some policies can be purchased that include a "cancel for any reason" clause. These policies will offer the holder up to 74% of the cost of the trip if you cancel. The clincher is that these policies cost close to 40 percent more than others.

Currently in the U.S. there's some seventeen million policies for travel insurance that are sold each year. Purchases of travel insurance increased by 100% since the bombings of the World Trade Center in New York in 9-1-2001. Because of the recent increase in terror threats, natural disasters, and epidemics of disease, these numbers should continue to rise.

When deciding on how much travel insurance and what needs coverage one should bear in mind that many companies that provide travel will often not penalize the traveler if they must cancel or delay their flight or cruise due to large scale interruption in transportation. In other words, you are protected without buying an insurance policy.

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