What You Need To Know About Travel Insurance
Chances are great that you've been faced with the issue of whether or not to buy travel insurance before. If you're like most people you probably didn't buy it, and that may have been a wise choice. However, it's important to understand what you need to know about travel insurance if you want to make a smart decision about whether or not to use it.
The Basics
There are four kinds of travel insurance generally, along with several add-ons and variations. The big four are: Trip Cancellation, Lost Personal Effects and Baggage, Emergency Medical, and Accidental Death. Variations and add-ons include 24 Hour Traveler Assistance, Dental, Emergency Evacuation, Rental Car Collision/Damage, and Travel Delay. How much travel insurance costs depends on your age, what kind of coverage you're getting, and the total cost of the trip. According to the Insurance Information Institute, typical policies run about 5 to 7 percent of the cost of the trip. The majority of policies are sold by travel industry professionals who also earn commissions on sales.Read more
Pros and Cons of Using a Travel Agent
Traveling is so different than it once was; to book much of anything you really needed to use a travel agent. However, now that almost everything is online, you probably book a lot of travel yourself. So is there are reason to use a travel agent anymore? In reality, there are the pros and cons of using a travel agent—and also to booking online on your own:
Advice and Insight into the Industry
Pro: Agents often know the best days and times to travel, how early you should book to save the most, and which attractions and resorts are the most inviting. They are also more adept with warning you about advisories and risks, not to mention obscure must-sees that you otherwise might miss.
Con: Travel websites put most of their resources into accessing many different deals and travel options. For this reason you may be able to find all kinds of choices yourself just by searching effectively.Read more