Travel health insurance is coverage for travelers that are leaving their own country and are concerned about an emergency medical situation while away from home. It offers basic coverage for emergencies, and in some cases, may even provide coverage for pre-existing conditions. However, your normal health insurance coverage from home may not cover you away from home, so it makes sense to have travel medical insurance as well. A good place to start is by getting travel insurance quotes online for free. This will give you the peace of mind of knowing what to expect in terms of coverage when you are traveling abroad.
Most travel health insurance policies offer basic coverage, which can be purchased for one trip abroad or extended for up to 3 trips abroad in one year. The cost of extended coverage depends on whether the policy is purchased for a single trip or if the coverage is extended between consecutive trips. Most policies also offer emergency coverage, which covers medical situations that occur within the coverage period. Emergency coverage usually includes coverage for prescription drugs and emergency care, at a fixed cost per day or at a reduced cost per day.
You should be aware that travel health insurance policies do vary from company to company. Be sure to read through all of the details to find out exactly what the plan covers. Many plans require that you travel to a particular destination, and you must purchase a travel insurance policy before you leave for this trip. On the other hand, some travel insurance companies only need that you take a specified number of medications upon departure, and the coverage is restricted to the prescribed list. You need to discuss all these details with your travel agent or company before you buy the plan.
It’s also a good idea to buy travel health insurance plan if you have certain pre-existing conditions that could negatively impact your health during your travels. For example, if you have diabetes or a heart condition you might want to consider getting insured before you buy travel medical insurance. People who smoke or drink heavily can also be at risk for developing serious medical conditions while away from home. Therefore, it is a good idea to consult your doctor to learn more about the options available to you.
Some policies will cover accidental death, while others may not. If you are traveling to an area affected by an earthquake or tsunami, some plans will automatically cover your emergency medical expenses incurred there. However, the coverage limits will be less than normal. Similarly, if you have any other type of major medical expense, such as heart disease or cancer, most companies will require that you undergo a physical. However, in most cases, coverage limits are very low when people are traveling to earthquake or tsunami affected areas.
For travelers travelling to hurricane zones, most health insurance plans will not cover medical emergencies during evacuations or at home. Even if you purchase travel insurance, you will not be able to claim the cost of evacuation out of pocket. In the case of an evacuation due to hurricane or a natural disaster, coverage is usually limited to covered medical emergencies only. Other services, such as food and hotel accommodations are typically provided for a fee.
Most insurance companies that offer travel insurance will not allow you to use the insurance for trip cancellation benefits. Trip cancellation policies will reimburse you for your medical expenses and any other costs related to your departure, but these types of policies usually cover specific events. Most insurance companies do allow you to cancel your trip if you become ill, get a serious injury or fall ill during the course of your travel. Trip cancellation coverage does not provide coverage for emergencies, lost belongings, damaged baggage and other non-acute circumstances that happen outside of the period of time that your policy covers.
Before taking a trip abroad, make sure that your travel health insurance plan provides adequate coverage in the case of an emergency. If you are unsure of which plan is best for you, contact a professional agent to help you find the right policy for your needs. Most agents will be familiar with all the available options for coverage and will be able to recommend the best one for your needs. Traveling abroad can be a lot of fun, but it’s also a matter of financial security. Make sure that your health insurance plan can provide you with the coverage you need so that you can relax and enjoy your travels.