Thursday, January 7, 2010

Thinking About Travel Insurance for Honeymoon

One of the best reasons for you to look into buying a travel insurance policy for your honeymoon is so you have peace of mind should anything go wrong on your trip. There are a number of different kinds of travel insurance policies, and the two of you need to decide which ones are right for your trip.

You can buy travel insurance through your travel agent or from an independent insurance agent. Here’s a brief rundown of the kinds of policies you may want to consider:

Trip cancellation. Literally what it sounds like—a policy to protect you should you have to cancel your trip. Different carriers have different ideas of what qualifies as a legit reason for canceling, so make sure you find out ahead of time what’s covered and what isn’t.

Trip interruption. This policy will reimburse your expenses if your trip is altered after it’s already underway. Of course, again you need to see what’s covered (usually illness) and what’s not (usually war or terrorism).

Emergency travel medical insurance. You may want to purchase this additional insurance if your day-to-day health insurance policy won’t cover you, should you fall ill while traveling.

Medical evacuation. This kind of policy covers your care and transportation should you be seriously injured while traveling. Truthfully, this policy can be quite expensive and may only be worth thinking about if you’re planning on taking an “extreme” honeymoon, where injuries will be par for the course.

A number of companies offer travel insurance, and their websites are a great place to educate yourself. Two worth checking out are:

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