Travel health insurance is a temporary policy that provides coverage while you’re on vacation or in transit. It either works in conjunction with, or independent of, your regular major medical coverage. Travel health insurance is commonly offered if you use a travel agent, book a cruise or go on a package tour.
Here are four reasons to buy travel health insurance even if you already have a major medical plan:
Most travel insurance is cheap compared to the cost of your trip. Although we’d all rather spend our vacation money having fun, if something does happen it will be worth every penny in most cases. Typically, coverage costs no more than a dinner out on a trip. more information.
Out of network coverage
While most major medical plans will offer some protection anywhere in the world, under many circumstance, they won’t offer coverage at their full amounts. For example, if you get sick on a cruise ship you might find your basic co-pay plan will only cover 50 percent of a doctor’s visit on board the ship or– perhaps even none. The travel health insurance policy, however, will cover this and a whole lot more. Out of country travelers, too, find this coverage very beneficial for covering them when nothing else will.
In most cases, some form of travel insurance is available to people without medical examination required. It may not cover preexisting conditions, but it can make dealing with a crisis away from home a whole lot easier.
Peace of mind
Just having this low-cost coverage while away from home can give you a certain peace of mind. Since vacation is about relaxation, ensuring this can really help make a trip.
While travel insurance can be a huge perk for those who need it, not everyone does. If your major medical coverage will remain in full force during your trip, there’s probably no reason to go to this extra expense. Check with your regular health insurance to find out for sure, before you turn down coverage.
Although this type of coverage is usually offered through a booking agent, you can buy it on your own. Just Googling “travel insurance” will turn up many competing vendors for this type of policy.
Vacationing is about having fun, relaxing and doing new things.
Unfortunately, sometimes bad things happen to travelers. When they do, travel insurance can provide an extra level of comfort and peace of mind.
Travel Health Insurance Coverage
Health insurance while traveling to foreign countries is an often-neglected area. Falling ill or getting injured during international travel on business or pleasure can be an extremely traumatic affair. You are far away from home in an alien land, unsure of the medical facilities available and probably not carrying enough money. You may want to be evacuated and taken home. The potential financial burden could be overwhelming and worrisome.
To avoid this dilemma, wise travelers are prepared by carrying health insurance coverage. Check to see whether your regular health insurance takes care of medical costs in other countries. If it does, what is the extent of your coverage?
You can purchase travel insurance with global coverage or coverage for specific countries for a period of five days to three years. There are no age restrictions, and single trip or multiple trips can be covered. Multi-trip coverage includes all of your travel plans. For a nominal increase in the fee, your coverage can include hazardous sports activities. Coverage for children may be free in some plans.
Decide what type of coverage you require. If you are traveling alone, there is no point in taking out a family policy. If you are not intending to participate in hazardous sports you will not need that coverage. If you have a pre-existing medical condition, it is essential to check that it is covered.
Carry your manual blood pressure kit or medical records with you if possible. Hospitalization,copper fit gloves, ambulance services and prescription drugs should be included in the package. If you have a serious pre-existing medical condition, the evacuation policy may be advisable. For travel to Canada, insuring with a Canadian company has advantages. Also, remember that international travel health insurance does not cover health insurance in your country.