Are you one of the millions of people who travel each year? Whether you’re a business traveller, a vacationer, or an ex-pat, it’s important to have travel medical insurance. It’s even more important if you travel to high-risk areas and/or take part in extreme activities like scuba diving, white water rafting, skiing down the Alps, or skydiving. You may need a special kind of medical insurance that covers these kinds of activities and helps you avoid safety risks inherent to international travel.
What is travel medical insurance?
Travel medical insurance is a type of insurance that helps you avoid the safety risks inherent to international travel. It also covers you if you need medical attention while you’re away from home. Travel medical insurance is different from regular health insurance, which typically doesn’t cover you when you’re out of the country.
Since international travel presents unique risks, it’s important to have plans in place that protect you when needed. If you take part in risky or dangerous activities while traveling or living overseas, travel medical insurance is a great way to minimize your risk and stay safe.
What does Travel Medical insurance cover?
Travel medical insurance is generally divided into two subcategories: international travel health insurance and expatriate health insurance. International travel health insurance covers you if you become sick or injured while traveling internationally. It also helps protect your finances if you need to cancel your trip due to unforeseen circumstances. Expatriate healthcare, on the other hand, covers you if you’re living abroad and need non-emergency medical attention.
International travel health insurance is available through most major providers. You can also find companies that provide this type of insurance, including WorldTrips, Seven Corners, and IMG Global Health.
Typically, you’ll pay a monthly premium for international travel health insurance, which will vary depending on your age, location, the duration of your trip(s), and any pre-existing conditions you may have. Some plans also offer “preferred provider” or “preferred destination” options, which require you to stay at specific hotels to receive certain perks (like free breakfast) when you travel. It is important to note that most policies don’t cover medical expenses related to pre-existing conditions, so you need to make sure that anything you do while traveling is covered.
What are some important things to keep in mind?
It is important that you read all the fine print before purchasing international travel or expatriate health coverage. Many policies have restrictions on what they cover—for example, certain plans don’t cover pre-existing conditions––and some won’t pay for expenses related to risky activities like scuba diving or skydiving. You should also be aware of whether a plan has an age limit, as most only accept applicants under 65 years old.
As always, you should also make sure to check the company’s ratings and reviews before buying a policy. Reputation is everything in this industry, so you want to make sure that you’re dealing with a provider or agency that has an excellent reputation for providing quality service.
How can I find the best international travel health insurance?
When shopping around for international travel health coverage, it is important to do your research on different providers and agencies. Check out various websites for get recommendations on companies where you can purchase policies.
It is important to do your research when looking for international travel health insurance, as not all policies are the same. Make sure to read the fine print before purchasing a policy and be aware of any restrictions or age limits that may apply.