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For example, any given travel insurance policy might cover flight cancellations attributed to airline delays, aircraft maintenance or severe weather. But what if your flight cancellation came as a direct result of a terrorist attack? Would you still be covered? Most people believe they would be, but the fact is that the majority of existing travel insurance companies wouldn't cover policy-holders under such circumstances - regardless of any injury, property damage or loss of money encountered. So while you may have insurance, it's important to ask: are you really covered?
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By figuring out what coverage you have, you can avoid the cost of purchasing duplicate coverage. You may think you are doubling your protection by buying a redundant policy, but almost all plans exclude coverage of claims that can be made under an already existing policy.
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New Zealand Travel Information | Lonely Planet Destination Guide
Medical Tourism Takes Flight (MedicineNet.com)
Vacation policies a must (The Cincinnati Post)
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