Let's face it. Getting travel insurance can be a very arduous and tedious process that can be easily postponed or even completely forgotten. But before you start your international adventure, you may want to consider getting insurance through some travel insurance, just to be safe.
Fortunately, you will be very happy that this is something you have and will not need to be used. But we all know that there are things going on in life, so it's a good idea to find a travel insurance policy that fits your individual needs, travel schedule and budget. Many travel agencies and private companies offer travel insurance, and they come in a variety of types and options to choose from.
What does travel insurance cover?
Basic insurance for travel insurance includes some economic losses during travel, as well as limited medical expenses, including medical evacuation. The most common type of travel insurance is travel cancellation or travel delay insurance. This policy applies to you and your travel companions in case you need to cancel, interrupt or delay your travel. However, the acceptable reason for canceling or interrupting travel will depend on the policy, but it is likely to be insured for the following reasons:
o Sudden business conflict
o Change your mind
o Delay processing your visa or passport
o disease or injury
o Weather related issues
If your flight is cancelled or delayed, the travel insurance company may provide additional insurance, such as fees that the airline will not bear, such as taxi fares to the hotel or waiting for the airport.
If you are sick, need medical assistance or a flight accident, it is also a good idea to plan for a medical insurance up to $1,000,000. It is also a good thing to review the amount deductible for your insurance plan (this is the amount you need to provide before the insurance company chooses the rest). Make sure it includes repatriation (withdrawal to your home country, not the nearest regional medical facility); ensuring this does not mean that you will be sent to the country where you purchased your travel insurance plan, but your home country. If you plan to visit multiple countries, please ensure that all countries are covered by your insurance coverage.
To learn more about these types of coverage and more professional coverage, read "Basic Knowledge of Travel Insurance."
Investment or not? How to make travel insurance work for me.
Buying travel insurance is great for insured if any unforeseen events arise, especially if you invest a lot of money to purchase a luxury travel package. To determine if you want to invest in travel insurance, ask yourself the following questions:
o Have you invested heavily in your travel plans?
o Are you traveling overseas?
o How long is the region or country you visit?
o Are you planning to participate in any extreme sports?
o In the event of an emergency, can you afford to return to your home?
o If you or someone in your life is sick and needs immediate medical attention, can you afford medical expenses?
o How old are you, how is your overall health?
o Do you have any pre-existing conditions that require special attention on a regular basis?
You can purchase travel insurance for multiple trips, multiple trips or annual policies, depending on how often you travel and the length of your trip. The cost of integrated travel insurance may range from 4% to 8% of travel expenses, depending on the type of insurance, travel time, destination and traveler's age. It is best to purchase travel insurance within 7 to 21 days of purchasing a travel itinerary. Usually the insurance company's maximum insurance period is one year abroad.
Read the policy carefully and check if you need to pay on the spot and redeem any medical expenses or insurance company directly to pay the provider later. If you have to apply later, you will need to keep all the files.
If you already have a disease, please purchase an insurance policy that is specifically for insurance. Also check out the adventure sports and activities that are planned and not included (rarely including scuba diving and hang gliding). Finally, for your benefit, we recommend a policy that is flexible and extendable when you leave. You never know who you will meet, you may want to extend your itinerary.
Another good suggestion is to get in touch with your credit card issuer before investing in travel insurance. On the credit card information website at http://www.creditcards.com/, it is recommended to call your credit card issuer to see if you have any free travel benefits that you may not know, such as lost or damaged luggage. However, according to USTIA, canceling travel at the last minute and reimbursing by your credit card company is the most common misconception among travelers. Sometimes credit card companies only limit travel time up to 3 months. worthy of study.
Finally, if you have health insurance, it is best to contact them in advance, especially if you need vaccinations and other medications. According to your health insurance plan, you are asked to provide a “travel package” that will send you important information about your coverage (if any) abroad. Possibly you may have been covered by some people, but not for others.
Where can I buy travel insurance?
There are many websites and companies that offer travel insurance online. These include leading companies such as World Nomads, Travel Guard and InsureMyTrip, to name a few. A new online resource called Squaremouth helps travelers easily compare all major travel insurance plans for a site at once. You will be able to get direct quotes from several major, reputable travel insurance providers and compare policies and prices. This is a good starting point and trustworthy.
Useful tips after purchasing travel insurance:
o Scan insurance policy electronically and save it online
o Make a copy of yourself to bring your travels
o Make another copy for a trusted family member to stay at home
o You can use the emergency hotline number during your trip, but be sure to try it out before leaving home to make sure it is working and correct
o List any medications you are taking (including vaccinations for your trip) and a list of allergies you have; keep your insurance emergency number
o Keep all receipts at home
o Review all the rules in the policy and determine what risks you will take and the risks that may not be worth it
Finally, be prepared for a lifetime trip! I hope you can avoid using your insurance plan, but it will make you and your loved ones safer and know that you are protected.