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The prospect of traveling abroad on vacation is an exciting. We are all looking forward to a trip overseas, to experience new cultures, new food, new sights and talking to the people loudly, but slowly, while the gestures wild, as we try to teach the way to the nearest public toilet. But it's not all fun and games, there are some serious issues must be considered before we leave for that last a lifetime. One of the most important questions is whether or not we should buy travel insurance and the answer is a resounding 'yes'. If you do not buy travel insurance, would be like a fire-fighters on foot into a burning building without his fireproof overall, and oxygen, in other words, not good prepared. The question that naturally follows the first is: what kind of travel insurance should I? The answer is not as easy as the first and depends on where you are, what you do and your overall health.

There are some things that your travel insurance does not cover. It is important that you ask many questions of the people from whom you buy your insurance and that the fine print. Remember that you do not have to purchase your travel insurance from your travel agent, no matter how much pressure on you. You can shop around until you find someone who offers a service that suits your needs.

Some of the things that you are not among which include:

1) bad weather, just because your holiday was ruined by rain or strong winds or dust storms does not mean that you are entitled to an insurance policy to pay. Weather is one of the dangers, that if you the dates and destination of your vacation.

2) If you change your mind no insurance will reimburse you either. Insurance is not the feeling that the fickle nature is a sufficient reason for it to be a payment.

3) War, even though some measures seem to have had a "terrorist acts" clause, which will be refunded if you miss or are delayed in the appearance of your destination or due to acts of terrorism. Is not that comforting, "Sorry you have to gun for 5 days and nearly blown up by a bomb, do not worry, we will fully reimburse you for your flight late." At least some people still care, right?

4) You will not be nervous, or for mental disorders such as depression, anxiety, neurosis, psychosis etc. They never at the crazy people, if you have nuts on your own. Except that in the case of travel insurance they also do not cover

5) Pre-existing medical conditions, unless you have been symptom free for an indefinite period. These are known as the cons of travel insurance, they are not good things. The act of terrorism, which pretty much summarizes it.

The pros of travel insurance, and there are several of these in case you started to get depressed about the whole issue include:

1), fall for lost or delayed luggage. This means that if they lose your luggage, this is a Bummer, and sucks because you probably packed all of your favorite things and even bought new things for the trip, they will be refunded and you can go and buy a lot of new things to replace everything you lost. It is a completely new wardrobe.

2) You are responsible for lost and stolen property, although there may be some restrictions on cash and individual items, this is where it pays to read the small print.

3) In the event of unforeseen medical emergencies, you will responsible for the hospital and medical treatment, if that contingency occurs, it is a great relief.

4) Holiday termination for important reasons, as you are too sick to travel or a family death. No fickle mind changing. Cover for the delay in departure, usually only if they contain more than 12 hours, and usually not for delays road. Read your fine print.

5) If you have to make your vacation short because of an unforeseen medical emergency or something similar, some policies pay in May.

6) If you become involved in dangerous activities such as skiing or scuba diving, then you should cover to cover to specialists and then there should be no problem if you have to be paid.

7) Most insurance companies have a 24-hour hotline, legal and medical help.

If you are not sure which company to go, or the policy to go, ask yourself the following questions:

1) What is the level of coverage for the various types of claims?

2) What's on the policy for the various types of claims?

3) What're the policy exclusions?

4) Are you already for hazardous activities?

5) Is for you if you cancel your vacation and under what circumstances?

6) Is the health insurance the cost of transporting you back to your home country?

7) In the U.S., medical bills are higher, the level of adequate medical coverage for the trip out?

8) What're your personal possessions and money, up to? Need for expensive items such as video cameras separately?

9) Do they have a 24-hour hotline?

Travel insurance is vital when you are somewhere abroad to travel. Anything could happen at any time, and it is always better to be prepared for every contingency to be as short. Add travel insurance as part of your travel budget and do not begrudge it. It might just save your life.

Sandra wrote this article for the online travel marketers Extrasure one of the most professional and comprehensive travel insurance in the U