Even if you carry personal health insurance you may not be covered when you travel. This is particularly the case if you are planning to travel overseas. You should, of course, check your health policy but even if you are covered it makes a lot of sense to consider an additional travel medical insurance policy. You don?t have to spend a fortune to get good coverage and you will be able to travel without worrying that an unexpected accident or illness will break the bank.
There are a variety of options to choose from when you purchase travel medical insurance. The first distinction is whether the policy will be for domestic travel insurance or if it will cover you overseas. The next major distinction is the frequency of your travel. If you travel a lot you should consider a multi trip annual travel medical insurance policy. With a multi trip policy you are covered for a period of time rather than for just one trip.
If you have doubt about whether or not it is important to purchase a travel medical insurance policy you need only to consider the cost of medical evacuation. According to the Australian Government daily medical care in China can be more than $800 per day while evacuation from the United States back to Australia can exceed $100,000. In fact, the Government recommends that no one travel overseas without travel medical insurance. If you are in good health to start out with the likelihood is that you will not have to be medically evacuated back to your own country. The unexpected does happen though and the consequences of trying to handle medical emergencies on your own are so severe that it really isn?t worth taking a chance.
An added benefit of purchasing foreign travel medical insurance is that there are other features you can purchase at the same time. You can find a good low cost global travel medical insurance policy that will also offer coverage for things like trip interruption, loss of baggage, and trip cancellation. These features alone can give you peace of mind.
When it comes to actually comparing the price and features for medical travel insurance be sure to look closely at what is actually covered. In the case of illness you should note whether or not your policy will cover the travel expenses of a companion to bring you home. You will also want to verify if the policy will cover the return of the remains if the worst should happen. Be sure to look for exclusions such as taking part in adventure sports or other activities such as skiing or snowboarding.
It is not easy to think about all the things that can go wrong when we travel. That doesn?t mean that you shouldn?t do it though. Travellers medical insurance can take the worry out of the process. Just do a little research and find a good quality global travel medical insurance policy. Once that?s done you can head off on your adventure without the stress of wondering what will happen should something go very wrong. You can be comforted by the fact that most travel goes off without a hitch. If it doesn?t though, you?ll be protected.
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