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USA Today takes Travel Insurance Questions from Readers (2009)
Q: What is a typical travel insurance policy cost, and what are the major coverage areas?
A: Most travel insurance packages cost 4% to 8% of a journey's total value and encompass trip cancellation/interruption refunds plus medical care and evacuation.
Q: I'm not sick now, but I'm worried about getting the flu at my destination. If I have insurance, can I cancel before I leave and get my money back?
A: "Not unless you've purchased "cancel for any reason" coverage, which is sold as an add-on to existing policies or as a stand-alone waiver by cruise lines and other travel companies. A "cancel for any reason" upgrade is more expensive (40%-50% higher than a basic policy), typically covers 70%-100% of prepaid trip costs (all of which must be insured), and requires trip cancellation at least two days before departure," says Peter Evans of the insurance comparison site InsureMyTrip.com.
Q: Does the World Health Organization's June declaration of H1N1 as an official pandemic void the terms of my travel insurance policy?
A: "In most cases, no. But a few companies do have pandemic exclusions that would keep you from collecting if you get the flu before you leave or during your trip," says Chris Harvey of Squaremouth.com.
If you haven't already, visit our Travel Insurance Policy and Quote Page . We can also help you with your other personal insurance needs -- call us at 1-866-899-4849.
Canadian Life Insurance Quote- News
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Manulife Says China's Confidence in Canada Helps Expansion
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