How good travel insurance to buy
Travel insurance is much more than just medical protection . It covers you if you break your camera, your flight is canceled, a family member dies and you have to come home, losing a bag or something stolen. It's all purpose emergency reporting and is the most important thing that should get you, but hope never to use. And, as it only costs a few dollars a day, you're stupid, not to get it.
My friend never thought he would break his leg Tramping in New Zealand. A writer I know had to be from the Amazon helicopters after he fell a boat. Another friend did not think her father would die, and she would have to fly home again. I never wanted to dive with my camera in the sea in Italy to falling or my eardrums in Thailand, but I did it, and if it was not for my travel insurance, I would have been a lot of money. (My favorite travel insurance provider World Nomads. They always have my back when something like that happens above.)
I was recently in southern Africa for three weeks, and my plan is only $ 4 per day. my house health plan not considering me to go overseas to cover while it was to pay a small price for the knowledge when I was attacked by a lion or bitten by a snake or contracted malaria, I was protected. I would be stuck rather be safe than sorry and not with a huge hospital bill.
Travel Insurance has more than its value proven many, many times. It's the kind of thing that you will be very grateful if you need it, but hope you never do. After all, you do not want as my friend, to the end that do not have insurance, if your computer was stolen and had to pay out of pocket for a new one.
Travel insurance is one of the most complex and confusing aspects of the tour. are with the large number of plans and companies that people can easily get confused about what they are getting and why. Given its importance and the time it was because I talked about it last, I would like to start the year by again to discuss
Here's how to avoid getting a bad insurance and not properly covered be .:
What to look for a great plan
There are a lot of options out there. This is a billion dollar business, and everyone wants you so confronted her hand in the cookie jar, a mind-numbing array of choices that can be confusing and overwhelming. And often in the fine print, you will find that the plans are not as good as you think.
When looking for a plan to first make sure they have a high coverage limit on your medical expenses. A good company is up to $ 100,000 coverage care, although more expensive measures are to cover for higher amounts. The maximum range limit you can find, is around $ 1,000,000 USD, although I'm not sure why you should always have a limit, that great need. High coverage limits are important because if you are sick, injured, or need serious attention and need to take professional help, you want to ensure that covered your high hospital bills. The worst thing you can do is go cheap and get a policy with $ 20,000 coverage limit, break a leg and reach this limit before taking harmed them around. Do not be cheap with your health. Get minimum coverage of $ 100,000.
Second, you want your policy to ensure extends to emergency evacuation and care , which is separate from your medical care. If you wander into the forest and you break your leg, you should your policy cover your evacuation to hospital. If a natural disaster occurs, and you need to be evacuated elsewhere, you should contact your plan cover that. This protection should cover an expenditure of up to $ 300,000 USD.
In addition, evacuation should mean from the hospital to your home country also. Standard emergency evacuation usually includes this provision, but it is important that you check out a company twice the cost of your flight cover back home, when you need it
A large policy will always belong the following rules .:
- cover most countries in the world
- Some cover for your electronics (and have the opportunity for a higher coverage limit)
- cover injuries and sudden illnesses
- Twenty-four-hour emergency service and assistance (you do not want to be told to call back later call)
- cover lost, damaged or stolen property such as jewelry, luggage, documents , cameras, etc.
- Cover cancellations such as hotel bookings, airline and other transport bookings, if you have a sudden illness, death in the family or other emergency
- cover emergencies, armed in the visited country, etc. that cause you to go home early should
- include accident cover have
- financial protection if any company that you use goes bankrupt and you are in another country stuck
not to obtain a policy that does not cover these enumerations
a brief reference to the electronics: most companies just a small border have, usually $ 500 to, as part of their basic service. You can often buy additional insurance to obtain a higher coverage. So has Clements Insurance special cover for your electronics. Prices vary depending on the country you are visiting ($ 145-195 per plan), but they do not have global coverage; You need to get coverage for your specific country. In addition, many regular and home insurance as State Farm offer plans that cover you can help your electronics.
is what is not covered as it is what is
Knowing what also not covered by your plan is just as important. Most policies do not cover accidents suffered while participating in extreme adventure activities like hang gliding, paragliding or bungee jumping if you pay extra. The majority of companies do not cover you if someone on the street hurt (so-called liability). not cover policies usually alcohol or drugs incidents or inattention your belongings and luggage handling. You will not get reimbursed if the problem happened because you were reckless, and is defined as "irresponsible", is a matter for each company. Simply put, if a reasonable person would not take part in what caused your accident, you will not be covered.
Additionally, you will not be covered for pre-existing conditions or general check-ups. For example, if you need and diabetes to purchase insulin, you will not be covered. If you want a doctor for a general check-up go see covered you are not well.
The medical part of travel insurance to be more about the emergency care as a replacement for your ordinary health. Many people buy insurance think it is, then disappointed when they do not get an annual physical out so, can go. Travel insurance is accident insurance. It is to protect you in an emergency and must, if it be at home in a hurry. If you want a global health plan (because, say now live in Beijing), you will need a very different kind of plan.
a claim
If you have a claim to remember that any travel insurance, no matter how good, is to make money and will try to pay as much to avoid as they can. They are, after all, an insurance company and they do not make money by paying for every Tom, Dick and Harry. Be prepared to wait to get your money, because even the best companies to pull their feet. To ensure that you have paid your claim, make sure that you have all of your receipts, necessary forms and proper documentation -. All of this will help your claim do go through a lot faster
providers
Important travel agencies like STA Travel and Flight Centre have their own plans, although coverage is very limited. While I have not used, many other travel writers I know Medjet and IMG recommended.
Another really good site My travel insurance. It compares policy of a number of suppliers and a wide range of measures at once. It's like a global insurance Web site! Many people have success on their side, and I particularly like as not enough to cover their high age limit, companies Seniors!
My favorite is World Nomads insurance. I have since I started with them for the first time in 03 travel and benefit no one else. They are very trustworthy, and claims are processed quickly and fairly. I enjoy World Nomads for a number of reasons: I buy and my insurance policy renew online in a matter of minutes, they have a very friendly and helpful staff who can answer questions and help solve problems through social media, they have great customer feedback , and most importantly, they offer plenty of coverage at a good price. If it's a company I would recommend, I would say, to go with them.
Still unsure? Here's what some community members, said about travel insurance:
No matter which company you choose, remember that all plans are different, and you want one that fits the type of journey you take (for example, I get no plans that have a high coverage references to the special activities such as skydiving, because I.) is not the kind of activities There is a 99.99% chance you will never the policy that you need to use purchased, but accidents happen and life on the road is uncertain. It is better to be safe than sorry, especially if you are in another country, thousands of miles from home.
travel insurance, a plan B is not Pennywise but pound foolish. Get the insurance! Find a company that works for you and be covered. Life is full of accidents. You do not spend at the end of some emergency your money because you are not covered a few hundred wanted to spend!
So be smart and get coverage.
Or you can end up like my friend in Peru who forfeit their policies because they never accustomed to just break her arm a few days later to make it bad in some small village, and then a lot spend money to get it repaired in a correct. Hospital in Lima
to the widget using below to find an insurance plan that is right for the journey:
Next -> 10 frequently asked questions about travel insurance
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