Travel has always had its difficulties. Visa issues, passport concerns, getting the right tickets, weather, and more have always been part and parcel of the traveling experience. In this modern world, unfortunately, there is an extra hazard to add to this list, and that is the hazard of terrorism. If you are planning to travel then you should keep this concern in mind, and purchase travel insurance. Take traveling to India, for example. It is a popular tourist spot because of its legendary hospitality and exotic culture. It has never before known such terrorism as the recent terror attack in Mumbai. Nobody, native or tourist, expected it.
Top-up travel insurance
Top-up travel insurance is a policy that is purchased by travellers who already have travel insurance coverage, but do not have the coverage they need for the entire length of time they will be away.
There are three common scenarios for someone to need top-up travel insurance:
Your credit card travel insurance coverage only covers a portion of your trip
Many credit cards that offer the cardholder emergency medical travel insurance limit the number of days they’ll cover per trip. If you’ll be on vacation longer than the number of days you’re covered through your credit card, top-up travel insurance will ensure you have the coverage you need for your entire holiday.
Your coverage through work only covers a portion of your trip
Often employee workplace benefits offer emergency medical travel insurance, however sometimes these policies cap the number of days they'll cover per trip. If you’ll be on holiday longer than the number of days you’re covered through your workplace benefits, purchasing a top-up policy will provide protection for the rest of your vacation.
Your holiday is longer than the trip length of your annual, multi-trip policy
Multi-trip travel insurance policies come in a variety of lengths. You can get policies that provide coverage for one or two weeks, or one or two months. If your multi-trip policy doesn’t cover you for the full length of your stay, topping up will ensure you are covered for the full duration of your getaway.
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