Sometimes, even a week of vacation may be not enough to get all from the trip, especially if there’s more than one destination in your travel list. When you have everything well planned it’s a pity if something goes wrong in the middle of your trip. Sometimes, an unexpected flu can spoil your whole vacation. To prevent you from being caught off guard with such problems, you’d better take care of health insurance well in advance.
Here are 5 tips you have to know about travel health insurance, when planning a long term travel:
1. Make sure your health insurance covers all your destinations
If you’re going to have a tour around Europe or visit a couple different countries over the world, you have to be sure that matters concerning your health will be solved any place you go, if it comes to that. Before buying an insurance make sure it will cover your medical treatment in every country.
Some of the insurance companies offer a worldwide medical coverage, while others may cover only particular countries. There are also countries that are excluded from worldwide policies. They’re usually considered dangerous for tourists.
2. Amount of coverage
One of the most important things about medical insurance is a coverage limit on your medical expenses. Insurance companies provide different coverage limits. It goes without saying that more expensive policies will cost you higher amount. But don’t go cheap with your health. An average coverage provided by the companies is around $100,000.
That amount is pretty enough to cover most of the unexpected expenses concerning your health during the trip. Also, you have to be aware that some companies don’t cover pre-existing conditions (if you have asthma, back pain, diabetes, etc), and some can even refuse coverage due to these conditions. So be very careful and clarify all the details concerning that matter with your insurer before buying the insurance policy.
3. Build your own policy plan
Today, insurance companies try to do their best to provide you with a great number of services. You can choose between different policy plans they have, and tailor them however you want. It gives you an opportunity to find the most suitable plan that meets all your needs.
For instance, you may choose from different options to set the area and length of insurance coverage, and discuss cases to extend it. Look for the companies that offer all that flexibility and take advantage of their unique benefit options.
4. A few travel insurance options to consider
Some companies provide policy plans that look up to different categories of travelers. For instance, if you have the spirit of a real adventure seeker, and can’t imagine your life without discovering new cultures, then you may consider an annual insurance plan as the most suitable for you. If you’re a student who’s striving to get most of the fun years of youth and to see as much interesting places as possible, you may think of a student insurance cover.
Moreover, insurance companies sometimes try to attract student with some special offers on very pleasant conditions. Some of us have a lot of business trips. That’s why insurance companies have something to offer for business ladies as well – a business insurance plan is all you need. Actually, no matter who you are, always ask your insurer about all offers they have and don’t miss your chance to find the most suitable policy for you.
5. Where to buy a health insurance
Nowadays, it’s not a big deal to find where to buy an insurance policy. If you organize your trip via travel agency, be sure that your travel agent will offer you to buy a policy provided by them. You may also consider online brokers or your current insurance provider. Anyway, look for the best offers, do Google researches, and choose the most suitable for you. Hopefully, these little tips will help you find a very good health insurance for long term travels.
When it comes to choosing an insurance company, doing your own research is a must. Remember one more thing – it’s better to have an insurance policy and not to use it during the trip, rather than be stuck in a foreign country thinking where to get money for medical care, if something will happen. What do you think?