Travel Insurance Tips for International Trips

Most people assume that since they have minimal or no health issues there is no need for them to purchase travel insurance. However, they fail to realize  travel insurance is not just protection for medical emergencies. Travel insurance covers scenarios like if your flight gets cancelled, if your belongings get stolen, a member of your family dies, or even if your camera breaks. Of course, no one wants any of these unfortunate situations to happen to anyone when they’re trying to have a nice vacation. Yet most of the time we have no control over these situations, and without travel insurance, these issues will cost you a lot more.

Identifying A Great Travel Insurance Plan For Your Travels Abroad

When it comes to travel insurance, there are definitely many options to choose from. Thus, the process can get overwhelming and confusing, especially if you want to seek the best plan possible for you and your family. The first step in identifying the best plan for you is making sure the company provides a high limit of coverage for medical expenses. Good companies will provide a coverage of as much as $100,000, however if you so desire there are higher expense policies that will cover higher amounts. High limits of coverage are extremely important since you want to make sure that in the event of an emergency all hospital and medical bills are covered.

Never choose a  policy that offers a low coverage limit like $20,000. After all, you don’t want to compromise when it comes to your health.

Apart from medical expenses, you want to choose a  policy would that covers emergency care and evacuation. This will be completely separate from the medical coverage that your policy provides. This is a great option in cases where your trip consists of being in the middle of the woods and suddenly something happens to you that needs immediate medical attention. This protection also covers instances of natural disasters.  Such protection plans will usually cover expenses as much as $300,000.

A Great Policy Includes:

  • Legal expenses

  • Reimbursement for cancellations like flight, hotel, and transportation bookings in the case of a death in the family, sudden illness, or another emergency

  • Situations such as strife in the country visited, or another situation causes you to return home early

  • Sudden illness or injuries

  • Damaged, stolen, or lost possessions such as luggage, jewelry, documents, or cameras

  • Cover most countries of the world

  • Financial protection if any company you’re using goes bankrupt and you’re stuck in another country

  • Policies should include coverage in the case of a personal accident

  • Some coverage for electronics

  • 24 hour emergency services and assistance

A good policy should include coverage for all the aforementioned points. If you have any further questions, then please feel free to contact us!

Date of publication Jul 13 2015