Can This Trip Be Saved: Five Questions You Must Ask About Travel Insurance
by John Hawks

As we approach Memorial Day, forecasters have already predicted another busy hurricane season this year. And, we see the news every week about terrorist bombings here and travel accidents there. Take a good look at the travel insurance policies you're selling -- right now, before the summer travel season hits! -- and ask these five questions about your policies:

1. What are the policy's restrictions and exclusions, especially for pre-existing conditions?

The worst time to read the "fine print" in your travel insurance plans is when you're sitting in front of your clients, trying to answer their questions about coverage! Many travel insurance companies these day provide "plain English" brochures that give you, in everyday language, the ins and outs of their coverage rules and levels. One issue that trips some travelers is failing to declare any "pre-existing health conditions" -- an illness or medical problem that you already know about before you buy the travel insurance -- because many insurers will refuse to pay for treatments or benefits related to that condition unless you have disclosed it in advance.

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