According to the US Travel Insurance Association (UStiA) and the Insurance Information Institute (I.I.I.), travel insurance is really important because it can reimburse you for non-refundable trip expenses and compensate you for unforeseen hotel stays when an unexpected storm hits.
To gain the most benefit from travel insurance, the UStiA and the I.I.I. advise travelers to:
- Keep all receipts and a copy of your itinerary in the event you need to file a claim.
- Read your travel insurance policy and be sure you understand what is and is not covered. If you feel the policy does not meet your needs, the premium cost is usually refundable within a defined grace period.
- Check to see if the policy discusses pre-existing medical conditions; this is significant because many travel insurance policies cover policyholders if they become severely ill while on their trip. Some policies waive pre-existing conditions if the coverage is purchased within 10 to14 days of the initial trip booking.
For more information and a list of UStiA member companies, visit www.ustia.org. UStiA also sponsors TRIP (Travel Responsibly, Informed, and Protected), a consumer advocacy web site with helpful information including timely tips on travel, health, safety, and security. Visit www.TRIP.ustia.org.
If you or a loved one are seriously injured in a Pennsylvania accident, contact a Harrisburg injury lawyer at Schmidt Kramer to discuss your Central Pa. car accident case and any uninsured and underinsured motorist case. Our Harrisburg injury lawyers can answer any questions or concerns you have about a Central Pennsylvania injury accident in Carlisle, Harrisburg, Camp Hill, Hershey, Shippensburg and all of Central Pennsylvania.
The toll-free number is (717) 888-8888 or 717-888-8888 and the case evaluation is free. Alternatively, you may wish to download a free copy of our book Who Pays the Bills When You Are Injured in an Automobile Accident? for additional information.