Travel Insurance Tips

Some Myths Busted and Some Tips Revealed

Author: The Traveling Professor/Sunday, August 9, 2015/Categories: General Travel

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Credit Card Travel Insurance Covers Less Than You Think It Does:   Actually most credit cards that do advertise travel insurance as one of their benefits have minimal, very minimal coverage.   Check with your credit card company.

Credit Card Travel Insurance Covers More Than You Think It Does:  Usually the premium credit cards cover more than you think.  For instance, last February, me and my traveling companion had our flight cancelled requiring us to stay in the hotel airport overnight.   The credit card travel insurance picked up 100% of the hotel bill plus meals - and I didn't even charge the trip to the credit card that provided the coverage.  Again, check with your credit card company.

What If I Buy Trip Insurance and Don't Take The Trip:   Let's say you plan a trip for 6 months from now and the tour operator cancels or postpones the trip.   This is more common with cruise companies or when airlines go out of business or cancel flights.  Do you get the cost of the trip insurance back?  The answer is that most insurance companies will not refund the cost of the travel insurance.  But one company, Allianz, has a "770 rule" which allows the trip insurance policy to be applied towards a future trip.

Taking More Than One International Trip Per Year?:  Buy an annual policy for just a little bit more money than a single trip policy.  It covers the traveler for a year as long as any single trip is not over a certain amount of days, usually about 70.

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6 Tips on Staying Healthy While Traveling

travel insurance the traveling professorThe Traveling Professor is on the road with his small group tours about 150 days a year.  We visit places like Paris, Peru, Norway, Ireland, Italy, and Croatia.  We can be in a warm climate one week and a cold one the next week.  For instance, we finished up a trip in Croatia where the temperature was in the 90's and the next week in Norway we saw snowflakes.  We travel on all types of transportation, at all hours of the day, eat all kinds of foods, and use all kinds of public facilities. Keeping healthy on a trip is a challenge and in this blog post, The Professor gives his best tips for keeping healthy while traveling.
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