1. Travel Insurance

2. is an insurance policy which the insured purchases for himself or the whole family against unexpected circumstances e.g. medical and accidental dental expense reimbursement, medical expenses, accidental death benefit, baggage delay or lost, cancellation/interruption, baggage etc

3. Travel Insurance The amount which the insured paid for is known as premiums. These amount of premiums paid for depends on the level of coverage which the insured decides at the time of the purchase.

4. Travel insurance company At Travel Guard we understand that your vacation can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment-buy travel insurance. Travel insurance can provide you coverage for medical expenses, trip cancellation/interruption, baggage damage, and much more. Plus, with every Travel Guard insurance plan you will also receive 24-hour travel assistance.

5. Travel insurance company Travel Guard International is the industry's leading provider of travel insurance plans - covering more than 6 million travelers worldwide each year. Our travel insurance plans offer coverage for vacation and trip cancellation, travel interruptions and delays, emergency medical and health expenses, lost baggage and more. Plus, every Travel Guard insurance plan includes our 24- hour "911" travel emergency service for emergency medical assistance, last-minute or emergency travel and flight changes, lost luggage tracking, pre-trip travel advice and more. Explore our options online to choose the coverage that best meets your travel needs.

6. Example of a policy Travel Insurance can protect non- refundable Cruise, Flight, Tour costs. Travel Insurance can provide peace of mind, covering Trip Cancellation & Interruption - Medical Expenses - Baggage & Personal Belongings - Baggage Delay - Travel Delay - Emergency Evacuation/Repatriation.

7. Comprehensive travel insurance covers all the possible scenarios which may cause financial loss to the insured, designed for the insured looking for Trip Cancellation & Interruption and higher coverage benefits in the areas of Medical Expenses, Baggage & Personal Belongings, Baggage Delay, Travel Delay, and Emergency Evacuation/Repatriation.

8. Travel insurance policy coverage These plans may include some or all of the benefits listed below: · Personal Belongings · Baggage Protection · Baggage Delay · Travel Delay · Rental Car Protection · Emergency Medical & Dental · Emergency Evacuation · Flight Insurance · Missed Connection · 24 Hour Assistance

9. Necessity of a travel insurance policy Wonderful if all went well on a trip Doesn’t always happen Easily go wrong Unexpected events e.g. tour company goes bankrupt, Accident or become ill before your vacation begins, Lose nonrefundable deposits you have already paid

10. Necessity of a travel insurance policy Travel insurance potentially covers all of these scenarios and more Great way to protect your travel investment and to obtain ready-made solutions to most unforeseen events

11. Necessity of a travel insurance policy Exclusion clause :- Preexisting medical conditions (does the traveller already and knowingly have a medical condition that could interfere with his or her trip)

12. Examples of scenarios There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling. To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are two common examples of what could go wrong.

13. Examples of scenarios a)Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip? b)You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?

14. Three models of travel insurance a)Insurance may be supplier-generated cruise line or tour operator provides the coverage, supplier will take of the costs involved, usually inexpensive Disadvantages :- limited number of situations e.g. supplier goes out of business

15. Three models of travel insurance b)Insurance may come from an insurance company more expensive, “regular” travel insurance covers more situations e.g. suppliers default, 24/7 assistance center accessed by a toll-free number which helps provide solutions to unexpected occurrences

16. Three models of travel insurance c)Insurance may come from an insurance company but through the supplier acknowledge the limitations of self- generated coverage, contract with an insurance company to provide their coverage, supplier defaults, the customers will still be covered