Whenever any disease grips even a part of the world, it takes the wind out of travel plans and makes everyone feel helpless. Such a horrendous prospect can well be covered by travel insurance. There are different policies depending on the coverage and some of them do cover trip cancellation as well.

Each policy is going to be different from any of the other policies. To latch on to the best policy, consult your insurer and have your queries resolved. A sure way of getting the right insurance is by getting the facts right.

Roughly 30 percent of those traveling within and outside the U.S. purchase travel insurance. Most of those who do opt for travel insurance are either international travelers or are taking a scheduled tour or cruise. About 38 percent of all those who buy vacation packages from any travel agent will get a travel insurance plan.

Nowadays, travel insurance is fast catching on. Natural disasters and medical scares have always struck fear in the minds of travelers, and terrorism has only added to the fear. When a negative event strikes, people realize that they gain more from travel insurance than the travel industry does.

The situation that led to the cancellation of trip will decide how much of the travel insurance you will receive. Expenses related to medical care, quarantine and evacuation are covered by most policies that relate to any sickness while on vacation. Your insurance company will have the data on local hospitals and will also provide you the guidance with respect to leaving the area.

When a trip is cancelled in advance on the basis of information about some epidemic, it is a completely different situation. Conventional travel insurance policies do not cover trip cancellation on account of a health scare. Epidemics like swine flu have even now been overlooked by many of the recent policies although they were quick to add terrorism.

Policies with a higher premium offer the unique advantage of partially refunding your money if you cancel your trip in advance for any reason at all. For this purpose, any reason is legitimate.

Unforeseen events like an outbreak of disease or natural disaster are all covered by travel insurance. Even if you lose your job after booking a trip and now have to cancel the booking, policies provide the necessary cover. For precise information on this call up your insurance provider

Travel insurance comes to approximately 3.5 to 9 percent of the cost of the trip. The plan you select and your age are the most important factors that will determine your payout. Selecting the right plan requires a final decision on the place you are going to and how long you plan to stay there.

Unexpected events could surprise you. Flights do not necessarily follow the stated schedule and bags do not always come through on time. For no fault of yours, there could be a delay or cancellation. The importance of travel insurance is therefore clear beyond doubt.