Travel insurance is not something you think about when you are planning a holiday but it is none the less an essential along with the suntan lotion. If you are young and single you may think what all the fuss is about, what are the chances of something happening on your holiday.

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It is no real surprise that the so-called economic crisis is causing us to think twice about going abroad in the summer, as well as having a knock-on affect on the travel industry as a whole. Yet, the consequences on what we need to consider before booking flights and choosing hotels are somewhat surprising. So how is the economic crisis affecting our holiday plans?

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People in retirement expect more from life, unlike their own parents they have greater expectations and a longer life expectancy. Many older people now choose to travel and see the world and generally get the most out of their golden years.

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The EHIC card may have been out for years but it still seems to confuse people. Many people wrongly believe that the card acts as a substitute for holiday insurance whilst travelling to and around Europe; here we set the record straight and explain just why it is so important to have both.

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Most travel insurance firms recommend that you follow the advice of the government as laid out on the official FCO website. At the beginning of the swine flu epidemic the government were advising against all essential travel to Mexico and with this advice many tour operators and holiday insurance companies opted either to pay out or allow customers to change their holiday dates and destinations. Now that the government have lifted the ban, your travel insurance company would not cover you if you opt to cancel your flights to the country due to your own perceived threat.

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Many times when people go on vacations, it is recommended by their travel agency that they get some sort of travelers insurance. In fact, getting travelers insurance is one of the best things you can do for yourself; especially when you get an all-inclusive travel policy! The best thing about an all-inclusive policy is that it covers trip cancellations, medical, and also any kind of theft.

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Foreign students can safeguard against high medical expenses in the event of emergencies or illnesses by availing International Student Travel Health insurances. Insurance companies offer a wide range of benefits for international students who are studying away from their home country.

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Chances of having health-related concerns may increase if you are traveling in foreign countries. You may not qualify for any of the local government-sponsored health care programs considering that you are not a native of the country you are visiting. If you travel internationally, therefore, it is very important to have an international health insurance plan.

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Going without travel insurance is quite common, unfortunately many families learn the values of travel protection the hard way. The big objection to travel coverage is the cost, but some home insurance and credit card companies offer it for free. Here’s a look at this necessary form of insurance.

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Although we don’t like to plan for it, the reality is that not every holiday goes as well as we hoped for or as well as the TV holiday shows would have us believe. Usually, it is something outside of your control, such as a flight being canceled because of a mechanical breakdown. The result can be lots of additional costs as you have to rearrange connections, accommodations, and car rental bookings. What if you have an accident, such as breaking a leg in an accident in Bali?

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