· Covers a specific overseas trip of an individual or family
· As a fare-paying passenger traveling overseas up to age 85
· Wide range of risks travelers encounter including Car Rental Protection
· Assistance is available 24 hours a day through emergency call centers

Everyone is familiar with the "Take One" travel insurance brochures and coupons at airports or travel agency offices. Per Trip Travel Insurance is purchased specifically to cover a planned trip overseas and bought before the travel commences. Group plans for a number of people on the same trip are available through a single premium-paying source.

Policies cover "overseas" trips which must be trips taken as a fare-paying passenger on a public conveyance from one's country of residence to another country and back. Cover of a trip is often optional up to a maximum of 180 days. Some plans will cover a trip made over 100 Miles away from one's normal residence yet within same Home country provided the public conveyance rule applies. Plans can insure individuals or families.

Items insured by the policy can vary from one plan to another. Typically they all cover accidental death and disability, medical expenses to include medical evacuation and/or repatriation, hospital daily cash, baggage and it's delay, personal money, travel documents, travel delay, trip cancellation, and personal liability. Car rental protection can be optionally available at a cost far less than what Rental companies charge. Read you policy carefully for limits insured and deductibles applicable. Also take note of policy exclusions which in most cases are standard. Recreational sporting activities are normally covered.

For people who travel overseas 1-3 times a year, per trip travel insurance is usually more cost-effective versus annual travel insurance. However, you must remember to purchase it before you travel and let someone know back home or at the office that you have it. Because of increasing competition premiums being charged have become very reasonable. New is cover for seniors up to age 85. The 24 hour assistance centers are most valuable when a need arises in an unfamiliar location. This plan is good value and should be considered as part of one's financial plan and insurance portfolio.