Frequent travelers may already have heard about travel insurance and how beneficial it can be for you. A lot of your friends have decided to avail of travel insurance policies prior to traveling abroad. According to experts, this is a “must-have” regardless if you will just be visiting a country, studying abroad or working in a new country. With all the buzz that this insurance is creating, you might probably be on the verge of getting one. For your information, there is no need to rush. It is better that you familiarize yourself with the different international travel insurance facts prior to purchasing one.
Fact #1: There is a difference between travel health insurance and medical insurance.
What you need to understand is the fact that your travel health insurance do not work the same way with medical insurance and vice versa. Your health insurance will not cover any expenses incurred when you get sick, encounter accidents or died in a different country. Any medical treatments abroad cannot be shouldered by your health insurance. This is the very reason why it is vital for anyone planning to have a trip abroad to avail of this type of insurance. On the other hand, the benefits that a travel health insurance has would not apply in your home country.
Fact #2: There are lots of ways that you can avail of international travel insurance.
These days, insurance policies are made readily available for everyone who needs it. If you plan on purchasing an insurance policy for your travel abroad, then there are lots of places where you can get it. Travel agencies and cruise lines offer this type of insurance. In addition to that, you can even avail of it through various websites. It is recommended that you purchase the insurance once you have already booked your flight or when you have already gotten your visa (if there is a need for it). In this way, any cancellations or delay in your flight can be covered by the insurance policy.
Fact #3: Not all travel insurance is the same.
When you browse through various travel insurance websites, you will realize that the coverage that insurance policies have are not the same. The benefits you can get as well as the premiums that you have to pay will vary. This is the very reason why you need to take a long, good look at the inclusions and exclusions that a policy has.
Fact #4: There are different types of travel insurance available today.
Travel insurance policies come in different types, all of which are created to protect the tourist from any unexpected events that will cost him a lot. Types of travel insurance include baggage Insurance, Evacuation Insurance, Vacation Cancellation Insurance, Travel Medical Insurance and the Annual multi-trip insurance. It is highly recommended that you discover what the purposes of each type are in order to determine which would satisfy your needs.
With these simple facts, there is no doubt that everyone who plans on having a trip abroad, no matter how short or long it will be, must avail of an international health insurance. The international travel insurance facts stated above should open the eyes of all tourists as to how vital it can be.