10 Common Travel Insurance questions and misunderstandings Answered

10 Common Travel Insurance questions and misunderstandings Answered -

Travel insurance is one of the most important things to buy for the journey - no matter how long you walk away for it is a must.

When I get a friend for never was chastising recently, I realized how we were talking he had many misconceptions about what a travel insurance really was. And judging by the questions that make their way to my inbox every day, he is not the only one.

I have not talked about a travel insurance in a long time and want to eliminate many of the concerns, questions and misconceptions that have accumulated over the years, which, frankly, I would have written before about age ( my bad!).

I always get travel insurance when I travel. For as little as one day $ 2.50 USD, it's the most important thing you hope you never need. After we get home insurance, life insurance, health insurance and car insurance. obtain travel insurance is the same. You want to protect yourself against the unexpected

A friend recently got dengue fever and had to cancel a lot of their travel plans -. But their travel insurance covered the hospital expenses and reimburse their costs. Insurance was when I dipped eardrum and lost luggage. It was there, as another friend had to go home after her father died. It was there for these people:

not decided, but this person who does not get it:

Travel insurance a must but because it is a confusing issue (they try to read the New York insurance law for fun I Note ..: it is not fun.) today I want to answer frequently asked questions about travel insurance. These questions pop up in my inbox all the time and are the biggest points of confusion about the subject:

Note : There are few general rules in travel insurance as safe be sure to read the fine print of your policy the specific features to find out what is and is not covered. The following responses are not a replacement for your current policy review! Policy terms and conditions vary greatly from country to country, state and company to company. So they read and be sure to go with the company that gives you what you need - there are many good insurance companies are

What the hell is Travel Insurance?
There is emergency care, if things go wrong unexpectedly. Depending on the policy you buy, it may be there if your luggage is lost by the airline when you migrate fall, popping an eardrum diving to get a parasite overseas, or you need to cancel your trip short to cut or because your father died. It was developed because of accidents be (both health and non-health) and unexpected events that thought you could never happen. It is not a substitute for health insurance back home, an open checkbook to supplement your travel expenses or a license to be stupid.

Is a travel insurance only insurance?
No, it's so much more than that. While there is a medical component for sudden illness or injuries, it may cover you for cancellation, trip interruption, lost or stolen equipment and emergency transports you should quickly need to get the nearest hospital.

okay, but it's like insurance, is not it? I can see a doctor, if I want to?
Travel insurance is not a substitute for health insurance and should not be treated as such. It is there for unexpected emergencies. To break a leg? Pop an eardrum? Get food poisoning or dengue fever? Travel insurance has you covered. Go Want to see a doctor for a physical or to get a new crown on the tooth? You're on your own!

Can I treated for a disease I will already have?
Most travel insurance plans do not cover pre-existing conditions. If you get sick on the road, yes, this is a travel insurance for you. But if you need medication for an ongoing chronic disease or illness you knew before you bought the policy, you could no luck. In addition, if you are under a policy sick and then you extend or a new policy start, most insurers will look at your illness a pre-existing condition and not covered under the new policy.

My credit card offers some protection. Is not that good enough?
credit, even the best, offer very limited protection. Some offer coverage for lost or stolen items, medical expenses and cancellation when you booked your trip with the card , but they can not cover you otherwise at home or something airlifted be (always check. You can not be covered when you activate the policy before your trip.) And, when they do something, so the coverage limit may be so low that you might be shocked when you have to pay the difference. Conclusion: do not rely on the credit card coverage for each over lost or stolen items, and perhaps not even that

Unless you American Express a Platinum ... but all of us are not so deep roll [!

How does the insurance anyway? Have I can show the doctor me a map Mail?
If it need a major medical emergency overnight hospitalization or emergency repatriation, then you would to make (or someone else) to the emergency response team and they can help arrangements and approve expenses. In all other situations, including day hospitalization, you need to seek reimbursement from your insurer. You pay out of pocket and then (so no need for a map with the doctor to show) submit documentation after the fact to the insurance company. Be sure to keep all documents to save all necessary file police reports and all records. Companies do not reimburse to your word.

What Care? How does affect everything?
For the Americans, the ACA or "Obamacare", covers you only in the United States, and travel insurance is not a substitute for health insurance yet you do not get out of their requirements. But if you are away from the United States for 330 days or more, you need to obtain any US medical insurance. You also get a three-month period every year before you get a cancellation fee. Ensure a tax advisor or the ACA hotline number for further information about contact.

I read online reviews. All these companies suck. What's up with that?
not read the fine print of their policy most people. (Who ever read their iTunes agreement? Exactly.) People buy it, do not read to make the exact wording and assumptions about the coverage. So if something goes wrong, they scream bloody murder if something is not covered or if documents lacking to support and write a nasty review online support their assertion. (Most people do not write good reviews when they are helped. On the Internet, we love to scream our discontent, but rarely our pleasure.)

Use online user reviews of insurance companies with a grain of salt. I read it and most of the time, I think, "You have not read your policy!" I am in no way means an insurance company back, but if you go in without documentation, no proof that you own what you have lost, or you want to make a claim on something that is specifically excluded in the policy, you should expect , refused to get. If the refund process fun? No, it's a lot of paperwork, but if you have all your ducks in a row, you get reimbursed. Reviews from users who do not read their policy insurance mean a bad idea. It just means that people do not follow the instructions.

I have drunk and hurt me. Will I fall? not
Possibly. If you are stupid enough to do something (whether you drink or not), insurance companies want to know if you expose to unnecessary risks rise to the compromise. If, after investigation, they find you have done, they can deny your claim. That's not to say that they expect you to be your entire trip sober, but let's just say that you are unlikely to receive a refund if you are fueled and decide that it is a good idea to stand in the middle the road would be and the game chicken.

So do not be foolish!

is a travel insurance cover me in my home country?
Some travel insurance you can cover at home. For example, World Nomads travel insurance covers you either 100 miles of your permanent address (US residents), outside your home province (if you are Canadian), or outside your home country (for all others). It depends on your policy, and there are always conditions on when the cover begins and ends and where you can go, so check them carefully first.

I am a senior. What should I do?
Insurance dislike cover seniors, as they see them as high risk, so it is much harder for older travelers to find comprehensive coverage! For seniors, the company My Trip trying insure. They usually have a lot of good policy.

******

I have a travel insurance used since I started traveling, and it helped me, my friends and readers of this site. I can not stress enough its importance.

I hope that you never have to use your plan, but if you need, you will be happy you bought it. They do not avoid because you think a bad review or read will be fine. Travel insurance is a protection against the unexpected. Nobody ever expects the Spanish Inquisition - to be and it can be expected from a drunken backpack not hit a scooter in Thailand go

As a responsible adult, be prepared !. It is worth it ..

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