旅行大发888dafa承保(和不承保)的4件事

Are you planning a trip and wondering whether or not buying additional travel insurance is a good idea? While having a travel insurance policy can potentially save you from a trip-related financial disaster, many travelers are confused about what a travel policy will and, 更重要的是, 不包括. 在你交钱之前, learn a little more about the benefits and gaps in these types of policies.

旅行大发888dafa通常会支付的四件事

所有的旅游大发888dafa的承保范围都不一样, so it is crucial for you to take the time to read thoroughly any policy you are considering purchasing and not just assume it will cover a particular problem. The vast majority of plans will offer financial reimbursement and assistance for the following four situations:

1. 旅行取消

Transportation, hotels, and tour packages are not cheap. When you need to cancel your plans due to an emergency, you can be out thousands of dollars if you do not have a travel insurance policy. 当然, an insurance company won't reimburse you for prepaid, 任何原因的不可退还费用. Make sure you know which circumstances apply before changing your plans.

2. 国外医疗急救

即使是美国最好的医疗大发888dafa.S. may not pay for your medical costs when you are traveling overseas. 旅行 insurance can help pay hospital and doctor bills while you are traveling. Some travel insurance policies will also pay the high price of a medical evacuation if your condition demands it.

3. 丢失的行李

行李丢失的频率比你想象的要高, and the airlines are seldom willing to pay more than a few hundred dollars if your bags go missing. Arriving at your destination without your bags and needing to replace your items is costly. Your travel insurance can help to defray some of this expense. Not everything is covered, so be sure to keep your most valuable possessions with you at all times.

4. 旅游热线

当你旅行时，事情并不总是按计划进行. 你是否丢了你的票, 错过转机航班, or just need emergency telephone translation to sort out a misunderstanding, 你可能会遇到需要帮助的情况. Some travel insurance policies offer a travel assistance hotline to give you help when you need it fast.

Four Things 旅行 大发888dafa Will Not Typically Pay For

1. 医疗护理

While most policies have an extensive list of covered medical procedures, they will not pay for any non-listed item or occurrence. These uncovered expenses include preexisting conditions, 心理健康, emergency care for injuries that occur during risky activities, 因无视当地法规而造成的事故, 以及与怀孕或分娩相关的费用. Some policies may offer optional coverage for certain situations.

2. 旅行团取消或预订

While most travel insurance policies will cover your costs if you cancel your trip, the majority will not pay out in the event the provider of the services doesn't live up to their end of the agreement. Just because the travel guide you booked online doesn't show up doesn't mean you can make a claim. Getting a refund from the service provider will fall directly on your shoulders.

3. 战争或内乱

Canceling a trip or cutting your visit short because of violence at your destination is not typically covered by travel insurance policies. 一定要复习一下 U.S. 国务院的旅行建议 before booking your trip to any potentially dangerous areas of the world. Most travel insurance won't cover injuries occurring during civil unrest.¹

4. 恶劣天气或疾病爆发

If you decide to cancel your trip because there are reports of potential severe weather or a medical outbreak where you are planning to visit, 你不太可能得到退款.

There are many great reasons to protect yourself with travel insurance, but know the limits of your policy to avoid a nasty surprise.

1. 旅行.状态.政府,2022

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.