What is a peril and why is it important?

A "peril" is the exposure to the risk of being injured, destroyed, or lost. Most insurance companies refer to "perils" as the particular risks that can cause loss or damage. In some insurance policies, these are referred to as "named perils" - the types of occurrences that can cause loss or damage for which the insurance company will provide coverage.


Many new policies are written on an "all-risk" basis, meaning that all perils are covered unless specifically excluded. One of the major differences between standard packaged insurance policies are which perils that cause a loss are covered. The more perils covered, the more you wind up paying.

Do I need something other than my normal health insurance plan for worldwide traveling outside the US

To answer this question, you need to check with your own health insurance company. Many health insurers do not cover international health coverage.

Continue reading "Do I need something other than my normal health insurance plan for worldwide traveling outside the US" »

What is coverage for medical evacuation or repatriation insurance

Medical evacuation benefits provide for transportation to a medical facility that can provide appropriate care in the event of serious injury or sickness that cannot be adequately dealt with at the location where the illness or accident took place.

Continue reading "What is coverage for medical evacuation or repatriation insurance" »

What kind of covered or not covered in normal travel insurance pans

There are many variations of travel insurance plans. Some typical insurance coverages include the following:

1. Coverage for vacation and trip cancellation

2. Coverage for travel interruptions, delays and cancellations

Continue reading "What kind of covered or not covered in normal travel insurance pans" »

Why I need a trip or travel insurance plan

As we know that The outlay of money for travelling can be quite substantial. You may find yourself facing the loss of more money than you want to lose should unforeseen circumstances arise that make it necessary to cancel or interrupt your trip.

Continue reading "Why I need a trip or travel insurance plan" »

What is a trip insurance and What is travel insurance

Trip insurance is used to help alleviate some of the financial loss that may be incurred because your trip is interrupted, delayed, or cancelled by unforeseen events.

Continue reading "What is a trip insurance and What is travel insurance" »