Buying and Using Travel Insurance Guide

Is travel insurance really necessary?

Travel is already expensive enough, isn't it? The cost of airfare, cruises, hotels, ground transportation, food, activities and entertainment is already high enough. I don't know you, but I work hard. When I travel, I want to put my money in my pocket as much as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. If you don't really need it, why buy it?

My personal answer, of course, is that I am not independent and wealthy and cannot afford the economic losses that I might suffer if I needed medical care during my travels. Not being independent and wealthy means that I get enough but cheap travel insurance in the market. I suspect that you are in the same position, so you also need cheap travel insurance. If you are still not sure, please consider the following.

Did you know that if you are sick or injured while traveling abroad, your medical plan may not be able to cover all the expenses you will bear? If the cost of treatment is higher than the maximum amount for your medical plan, you will be liable for the difference unless you have purchased travel insurance. In fact, you may not even be able to enter hospitals in certain countries without proof that you have health or medical insurance.

Everyone is the same regardless of age or length of time abroad. Suppose you get sick a few hours after you arrive at your destination. Or suppose you go to another country for a day trip and you are injured in a traffic accident. Or suppose one of your children is a member of a group that is abroad, and they need hospitalization for food poisoning. In all cases, if you do not have sufficient travel health insurance, you will be charged for exceeding the limits of your existing medical plan.

Therefore, before going abroad, you need to make sure that your travel health insurance can fully meet your budget. You should check your medical plan, employee benefits, and even whether your credit card has been properly covered. If the coverage is sufficient for your needs, then you can enjoy the trip without paying extra travel insurance. However, if you are unsure of your coverage, or if your coverage is insufficient or non-existent, then your next step should be to research and purchase the travel insurance you need.

How much do you expect to pay?

A few years ago I bought the first ticket to China, the round-trip cost was about $2,000, and my travel insurance cost was more than $500 because I didn't buy cheap travel insurance online.

A few years later, it was a bit old and smarter, and my travel insurance for traveling to China was much less expensive – about the same insurance premium was about $300. the difference? Before purchasing the travel insurance for my second trip, I shopped online and got the insurance I needed at the right price. If I have already purchased travel insurance for my last trip from my travel agency, then this trip will cost me $600 and my ticket will cost only $1,500! Not exactly a smart way.

So how much do you have to spend? If you are sick or injured abroad and you don't have any travel insurance, your expenses will not be too high! This is the obvious answer to the question.

In fact, travel insurance costs will depend on your age and the type of insurance you choose. The premium for a basic policy of $1,000 is only $5.50. On the other hand, depending on your age, you can expect a comprehensive insurance policy that will cost you 7% to 10% of your travel expenses. The older you are, the more you pay. However, regardless of the policy cost, it is certainly far below the cost of medical evacuation!

The good news is that you can easily and easily research and locate high-quality but cheap online travel insurance and reduce costs when making informed purchases. This is much better than the services offered by travel agencies, because you can choose from hundreds of travel insurance companies and policies, and save you a lot of money in the process. The place where you can start searching is Travel Insurance Central, []

Things to consider when purchasing travel insurance

To help you with your research, here are some tips to help you understand the situation.

1. Consider the worst case. If you can handle the worst case economically, you may not need travel insurance, or you may not need a comprehensive policy.

2. Make sure that the policy you are considering provides adequate medical/dental insurance, including medical evacuation insurance in case you need medical care where the best treatment is below the standard you are accustomed to. This can happen if you are sick in a developing country or even on a cruise ship.

3. Check if your existing insurance policy is possible. It makes no sense to pay more for what is already in your homeowner or tenant policy, such as theft and loss insurance.

4. If you travel a lot, you should consider annual or annual travel insurance. Sometimes they are called the multi-trip travel insurance policy. Regardless of the name, these policies can be cheaper than one-way travel insurance policies.

5. Know what you are buying, so please read the rules. Make sure you understand the company's justification for a cancellation or interruption. If the list is too restrictive, maybe you should consider another strategy.

6. Don't limit yourself to buying from a travel agency. He/she may only have one company's products, and for convenience, such convenience may be very expensive!

7. Ask a lot of questions about the report. Play a "what if" game. Requires a clear explanation of the terminology. Make sure you and the travel insurance company use the same language.

8. Do not purchase insurance through a transportation provider. If the airline goes bankrupt, how big is your insurance coverage?

Once you have purchased travel insurance

please remember that your travel insurance policy covers certain dates, so please do not start travel or extend your trip in advance, without first changing the insurance date for you. Travel insurance policy. Of course, this may cost you extra, but when you need it most, it's cheaper than if you didn't report it.

In addition, you should carry travel insurance with you when you travel abroad. If it is sitting at your desk at home, you can't check the policy. You should also bring your travel insurance company's toll-free number and other contact information with you. If you are sick or injured and the necessary policy information is in your hotel room, it is not good for you. It is also a good idea to take your regular health insurance card and information with you.

I hope these tips will provide you with the best travel insurance. Then, after you know that you have the right travel insurance at the right price, you can travel with confidence. bon voyage!

Source by John M. Bartanus