The reason behind purchasing travel insurance instead of just travel insurance is due to the amount of money that you will save. But, decided to write this post because so many people feel that they can’t afford travel insurance. I completely agree that not having travel insurance is risky. But, if you are going to purchase travel insurance anyway, then why not do it through a travel insurance broker?
You are probably wondering what a travel insurance broker is. Well, it is basically an agent that purchases the travel insurance policies for people and sells them to you. Travelers buy policies from these brokers in order to get coverage for the various travel medical conditions. Sometimes, these policies also cover the super duper or emergency travel insurance. These are insurances that most people don’t even consider because they think that they won’t need it.
I am talking about the emergency medical travel insurance or the super duper travel insurance. They normally cover the medical expenses during a trip that has been canceled due to weather, illness or a crime. Usually, these policies also cover a pre-existing medical condition. Now, if you purchase the travel insurance through an agent, then you don’t have to worry about these kinds of things.
If you travel often, then you might want to consider getting emergency healthcare coverage. If you are traveling to areas that have low medical infrastructure, getting travel insurance that covers emergencies may be your best bet. It is common for hospitals to refuse to help patients with non life-threatening medical problems. Some hospitals will even cancel any patient when their travel insurance has expired. This makes travel insurance a must have for those who frequently travel to these hospitals.
There are three types of travel insurance policies. There are single trip policies that cover the same medical expense for one trip. Multi Trip policies cover two trips and include one medical expense for each of the two trips. Single Trip and Multi Trip policies can also include evacuation coverage and emergency travel insurance that covers the medical expenses in case of an emergency evacuation. However, it depends on the provider.
There are travel insurance policies that cover only medical emergency assistance. In other words, if you get sick during your trip abroad and you are unable to travel, then you would be able to get the medical assistance that you require. Usually, these medical cover policies will cover a stay in a hospital for a day or two. They will also cover medication that is prescribed for you in the hospital. The good thing is that most of them will also cover medications that you buy outside the country.
If you are traveling to underdeveloped countries, then you may need travel insurance that has the capabilities of covering “orphan” cases. An orphan case means that you will be provided with a medical facility that is equipped to deal with emergencies like AIDS and childbirth. However, this facility may be limited and there is a risk of infection. So, you will be charged for the care that you receive. However, this travel insurance has become more expensive than the normal travel insurance because you have the facilities mentioned.
Another travel insurance that you should consider getting is the one that covers ” cancellation”. If you cancel a trip at the last minute for any reason, then you may be able to cancel your travel insurance policy. Most providers cover this event in their policies. However, you will be charged for this event. So, you should check with your provider whether they cover this event or not.