How American Express Travel Insurance Works
With this type of travel insurance, an individual can get insurance for one trip or many trips during the year. It also allows you to have a cover for other activities that you may carry out during the trip. For those below the age of 21, there is a special policy that can be taken out for them. Discounts are offered if you make your booking over the Internet.
Some of the policies that are offered under the American Express Travel Insurance include the following:
Single trip policy
This policy is for those who travel outside the country for a short time. There are a maximum number of days that this policy will cover and it will rarely be more than six months. You can only take out this policy if you are below the age of seventy.
Annual multi-trip travel insurance
If you travel within or outside the country more than three times in a year, this is the best holiday insurance policy because you only need to take it out once. Business travelers in particular will find this policy helpful since most of their trips are short notice.
Golfing cover
Your travel may include some golf and it would be important to have a cover that can help you if you get injured or if the clubs that you hired are stolen or damaged.
Winter Sports
Some of the sports that are covered by the winter sports policy are snowboarding and skating so if you are going to take part in other winter activities you have to clarify this to the insurance company. This is because you might need to pay more for them. The gear that you will use during the games will also be covered under this policy. The policy targets those who are below the age of forty.
Business cover policy
When traveling you should not just insure yourself but also the gear and money you have with you. The best thing about this policy is that in case you fall ill during your trip abroad; someone else can replace you and still be covered by the same policy.
Backpacker and long-stay travel insurance
This type of insurance travel policy, you are covered when you are traveling to different countries from a period of about three to eighteen months. Some of the activities that can be covered include bungee jumping and skydiving. Some of the countries that you may be visiting may be dangerous so this risk is included in this travel policy.
Benefits of the American Express Travel Insurance
-It gives you 24hr assistance during an emergency.
-You get an excess waiver.
-Personal baggage exclusion.
- Medical expenses of more than 14 million pounds
-A five percent discount when you apply online.
-Children are covered until they get to the age of twenty-one.
-Your personal accidents cover of up to 50,000 pounds.
-It gives you a cancellation cover of more than 12,000 pounds.
-If you have an EHIC card, you qualify for more discounts.
About the Author:
If you are going on holiday make sure you have Travel Insurance also know as Holiday Insurance because you never know what might happen!
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