Singapore Hotels & Malaysia Hotels
About Singapore Malaysia

TRAVEL INSURANCE

Check your existing insurance policies before you buy travel insurance to cover trip cancellation, lost luggage, medical expenses, or car-rental insurance. You're likely to have partial or complete coverage. But if you need some, ask your travel agent about a comprehensive package. The cost of travel insurance varies widely, depending on the cost and length of your trip, your age and overall health, and the type of trip you're taking. Insurance for extreme sports or adventure travel, for example, will cost more than coverage for a cruise. Some insurers provide packages for specialty vacations, such as skiing or backpacking. More dangerous activities may be excluded from basic policies.

And keep in mind that in the aftermath of the September 11, 2001 terrorist attacks, a number of airlines, cruise lines, and tour operators are no longer covered by insurers. The bottom line: Always, always check the fine print before you sign on; more and more policies have built-in exclusions and restrictions that may leave you out in the cold if something does go awry.
For information, contact one of the following popular insurers:
• Access America (800/2848300)
• Travel Guard International ( 800/826-1300)
• Travel Insured International ( 800/243-3174)
• Travelex Insurance Services )800/228-9792)

Under U.S. law, insurance companies are not required to cover any medical expenses incurred in countries on the State Department's Travel Advisory List, even if their policies indicate they will over out-of-country medical expenses. Some supplemental carriers such as the ones listed in this singapore & malaysia websection) will sell travelers coverage for these areas. You can view the Travel Advisory List.

event that you prepay a cruise or tour that gets cancelled, and you can't get your money back; a second when you or someone in your family gets sick or dies, and you can't travel (but beware that you may not be covered for a preexisting condition); and a third, when bad weather makes travel impossible. Some insurers provide coverage for events like jury duty; natural disasters close to home, like floods or fire; even the loss of a job. A few have added provisions for cancellations due to terrorist activities. Always check the fine print before signing on, and don't buy tripcancellation insurance from the tour operator that may be responsible for the cancellation; buy it only from a reputable travel insurance agency. Don't overbuy. You won't be reimbursed for more than the cost of your trip.
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