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When Mother Nature Strikes: Ensuring your Travel Insurance Coverage

Most Australians are bitten by the travel bug at an early age, but investigating the perils of travel and the necessity of purchasing insurance is sometimes overlooked in the excitement of planning a trip. The most important thing for both first-time and seasoned travelers to do is to 1) check with the Australian Government's travel advisory service and 2) consult with a reputable travel insurance agent and make sure you're covered.

The Government is currently issuing warnings about the results of the September 30th tsunami in Samoa, American Samoa and parts of Tonga as well as the earthquake in Sumatra on the same date. Had you suffered the misfortune of visiting these areas during or immediately following these disasters, proper insurance would have covered any losses or damages you might have suffered. Piracy in the Gulf of Aden also presents a danger to those traveling by sea, and tourists planning ocean trips, including vacation cruises, should definitely purchase trip insurance prior to embarking.

As a traveler, you should be aware that if you get into trouble overseas, whether your luggage is lost or stolen or you fall prey to sickness or injury, you are personally liable for all costs unless you're insured. And few things are as scary as being far from home when things become difficult or dangerous. That's when a reputable travel insurance company can be your best friend; a good, comprehensive policy will cover everything from lost baggage to accidents and bodily injury.

When purchasing travel insurance, one should become informed in the matters of premiums, excess and claims. Generally speaking, premiums are calculated on the basis of information you provide, such as the number of people in your party, the duration of your itinerary, your destinations, etc. Naturally, it will cost less for a single traveler to buy insurance than an entire family or group, and a long trip will obviously command larger premiums than a short one. As for destinations, some regions are more costly than others. The U.S.A., for instance, charges exorbitant medical fees, a fact which will drive up your premium if you are planning a trip to the States.

Other factors that affect the price of your coverage include the insurance company's actuarial tables outlining the likelihood of various occurrences, such as tornadoes, hurricanes, floods and armed conflicts happening in the areas you plan to visit.

When shopping for travel insurance, it's most sensible to buy directly from a reputable company, to avoid paying an agent's commission. Needless to say, you should always thoroughly investigate a company before buying a policy, to insure not just yourself and your belongingsFree Reprint Articles, but your peace of mind as well.

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Planning every detail of your holiday or trip will help you be prepared of any eventuality that could occur. The best way to combat a ruined holiday is to purchase an adequate travel insurance policy.

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