Honeymoon Travel Insurance

By Sruthi Yejju

Honeymoon makes up for a big chunk of the wedding budget, especially if you are going out of the country. So it is important to consider protecting it with honeymoon travel insurance.
Reasons to Buy Honeymoon Travel Insurance

The honeymoon destination determines the range of risk factors involved that can be covered by the travel insurance. There are things that can happen any time and there are area- or trip-specific things such as if you taking a cruise. Some of the reasons include bad weather, medical emergencies, bankruptcy and cancellations. Travel insurance is also essential if your honeymoon plan includes indulging in extreme sports or activities that can get dangerous, for instance, scuba diving, bungee-jumping, hiking through rough terrain/mountain or even camping in dense forests. Medical emergency is the biggest risk factor anywhere and you want to make sure you are covered for that.
How to Buy the Travel Insurance

Compare the prices and coverage provided by the travel insurance companies before selecting the insurance carrier. Travel agents can be helpful when booking a honeymoon package and getting travel insurance as they can get you a good deal. Policy coverage should include travel supplier bankruptcy, accidents, airline issues like flight cancellations, change in plans for the trip and emergency assistance. It is better to buy an independent policy than from the travel company you booking your honeymoon trip with. Keep in mind that the travel insurance can cost anywhere between 5 -10% of the total price of the honeymoon trip, so make place in your wedding budget.

Tips

The trips that require travel insurance the most are if you are buying an expensive, non-refundable honeymoon cruise or tour packages.

Some other policy coverage services include baggage claim, loss of passport assistance, direct settlement for in-hospital medical expenses abroad and medical evacuation or repatriation.

Do your homework online and gather info about all travel-related issues at your honeymoon destination so that you can customize your insurance accordingly if needed.

Carry your policy with you and also keep a copy of it at home with your parents or family members who can produce it on notice.

Look for policy with clause that says “cancel-for-any-reason” as this will be the most generous cancellation option and can get you back most of your money if you need to cancel the trip.
Read the fine print! Any policies that you are comparing, read the fine print to see what exactly it says so that you are not deceived. Read a couple of times and make sure you know what you are signing.

Travel insurance for honeymoon might seem like an expensive ticket item in your budget, but it can really come to your rescue when needed. Shop around a little bit before you buy to make sure you are getting the best policy coverage for the best price.


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