Tips for Finding Travel Health Insurance
Travel insurance is there to protect you while you travel, usually internationally when your current health plan will likely not cover you. Travel insurance is for emergencies that you may encounter while traveling and some plans even include extras, like evacuation services and lost luggage. Below are 7 tips to remember when purchasing travel insurance.
Check to see if your current individual health insurance policy applies while you are traveling in other states or internationally. If not, then you need to purchase travel health insurance before your trip in order to be covered in the case of an emergency.
If you travel frequently for business, look into purchasing a continuous travel health insurance plan that is specifically for this purpose. This way you don’t have to waste time applying for coverage each and every time you travel for 2 to 3 days. Having the inconvenience of reapplying each time may delay you from doing so and encourage you to ‘risk it’. It is much easier to just have the coverage available when you need it.
Find out if medical evacuation back to the United States or to another country is included in your insurance policy. This is an important coverage option as an evacuation can be very expensive and you don’t want to be left footing the bill.
Travel insurance can be bought for as little as 5 days to as long as two years. That means that, no matter how long you plan to be away, there is a travel insurance plan for you. You won’t have to overpay for time that you won’t use and you won’t be stuck without travel insurance because it expired.
Travel health insurance may not cover complications of pre-existing conditions, such as diabetes, so it is important to have these conditions stabilized and to meet with your regular healthcare provider and have him ‘clear’ you to travel before you leave. He will know whether the trip will likely be safe for you or not.
Buy a plan that is specific to your trip, whether you are backpacking or cruising, as each will hold different levels of coverage. Trips that will include more risky and extreme behavior will cost more than activities that are considered to be safe.
Find out if you are still covered in high risk or terrorist areas. There are some areas in the world where travel insurance will not cover you and areas where you may have to pay more because your risk of being kidnapped or targeted because of your nationality may be higher.
Just as individual health insurance is important in our everyday lives, even if it is only short-term emergency insurance, travel health insurance is just as important whenever we go somewhere where our individual health insurance is no longer active. If you want to compare the best travel insurance prices, insurancebudget.com can help you find the best rates quickly and easily.