Visit China Guide >> Travel insurance

Travel insurance

Why you should buy travel insurance?

1. The question, 'should you purchase travel insurance' is perhaps answered by asking yourself why you purchased homeowners insurance, or medical insurance or life insurance. You purchased them so that your consistent small payments would assure you of having someone else provide help in case of a catastrophic event for which you are unprepared. Purchasing travel insurance, just like purchasing any other insurance, is not just about receiving the funds to recover.
   While Visit China Guide provides you the Travel Agencies’ Liability Insurance, regulated by Nations Tourism Administration of China (CNTA). Under this statute, the clients will receive compensation in cases of property loss, injury, or damage occurred during the guided tour at the fault of tour operators. However, this insurance does not cover any expenses related to accidents outside of the control of the travel agency, like you need to cancel your trip for your sudden business conflict, you have to interrupt your trip for your son's unexpected state play off game, or you just can't continue your trip for you break your ankle, etc. Then the Travel Insurance you selected can provide you coverage.

What kind of travel insurance should you buy?

1. Choose the right option for your needs, your satisfaction is guaranteed. Following is a brief description of the different types of travel insurance options available. Note that every policy is a little bit different, so be sure to read them carefully before purchasing any travel insurance.

2. Trip Cancellation and Interruption insurance --- Trip cancellation and interruption insurance covers you if unforeseen events cause you to cancel or interrupt your trip. In general, this coverage is meant for illness, injury or death suffered by the insured or a member of the insured's immediate family.

   Annual insurance --- If you travel many times a year (particularly internationally), it may be more economical to purchase annual insurance instead of individual policies for each trip. Annual insurance may also be a good idea if you regularly travel to developing countries, even if it's only a few times a year.>

   Single insurance --- Single insurance refers to an individual that wants to get an insurance plan for a single payer for a short term, or for one individual to be covered on a limited time-basis. This is a very good method or way for an person that does not have a family to care for, or any other people for whom to be steward or guardian.

   Medical coverage --- There are times when an individual's medical coverage does not cover treatment beyond a certain geographical area such as a foreign country for example. Travel insurance with a medical coverage rider/inclusion is best when it includes medical evacuation if you're in a place without adequate facilities.

   Baggage insurance --- Your baggage and personal possessions can be lost, stolen or damaged anytime, anywhere in the world. Think that you arrive at your destination only to find that your baggage hasn't. Luckily with the Baggage Insurance , you're protected.

What should you provide when buying the travel insurance?

1. 1, your name
2. 2, your birth date
3. 3, your starting date
4. 4, your duration days
5. 5, your end date
6. 6, your address
7. 7, your cover level
8. 8, your air ticket price (if you have already booked )

For more information, you will get them from the following web sites:

1. www.travelinsurancenow.com
   www.americanexpress.com
   www.worldnomads.com/insurance.aspx
   www.visitorsinsurance.ca
   www.gio.com.au/gio/travel_insurance/travel_insurance.html