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In fact, travel without insurance, according to Ojas Mhatre, co-founder of travel platform Unstumbled.com, “could cost you up to 80% of your hotel costs and up to 100% of your flight costs.
Travel insurance is an insurance product for covering unforeseen losses incurred while travelling, either internationally or domestically. Basic policies generally only cover emergency medical expenses while overseas, while comprehensive policies typically include coverage for trip cancellation, lost luggage , flight delays , public liability ...
The policy term is the period that an insurance policy provides coverage. Many policies have a one-year term (365 days) but other terms both longer and shorter are used. Policy terms can be for any length of time and can be for a short period when the period of risk is also short or can be for multi-year periods.
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An additional transaction may also be payable to cover e.g. costs for revised insurance documents. Some insurers also use this fee to discourage changes, although few openly admit this. A cancellation is often treated as a special-case MTA, where the cover decreases to zero. Such transactions may attract special fees too.
As part of its policy, passengers can cancel up to 30 days before sailing and receive cancellation fees as a cruise credit on voyages departing through April 30 and bookings made through Feb. 28.
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