Travel Insurance.. One of the most important parts of preparing for a trip abroad is buying travel insurance - and it's something that many people tend to ignore.

Getting travel insurance — also referred to as trip insurance or travel protection — can save you from unnecessary and unexpected financial loss if you have to cancel a trip or from a huge medical bill that you can't afford.

What is travel health insurance?

Travel insurance is a type of insurance (or protection) intended to cover all or part of the cost of

Any medical expenses incurred while traveling, flight cancellations, lost items stolen, travel delays, etc.

Travel insurance is intended to cover the expenses of unexpected things that happen after the travel insurance policy is in force.
For this reason, it does not usually include medical coverage for any pre-existing conditions, such as

diabetes or pregnancy; Along the same lines, if you purchase travel insurance after an accident, it goes without saying that the insurance company will not cover it.

What does travel insurance cover?

Most travel insurance plans cover the following, although coverage varies from company to company, as well as from one specific plan to another:

  • The medical treatment. If you have an accident or get sick during your trip, your travel insurance will cover doctor's consultations, emergency treatment, hospitalization, surgery, prescription and over-the-counter medications, etc.
  • Trip cancellation, interruption or curtailment. If your trip is cut short or canceled for some reason, you will be protected from any lost travel or accommodation costs. Reasons considered acceptable to change the reimbursement on the basis of the policy. You can also choose to purchase cancel functionality for any of the reasons your existing policy.
  • Return the remains. In the event of death. It can also include funeral expenses abroad.
  • Property lost, stolen or damaged, but not due to recklessness.
  • missed trip. If the flight you missed was not at your own fault (ie the airline is rescheduled or delayed) any expenses related to it will be covered by the insurance company.
  • return minor.
  • kidnapping

Additional travel insurance coverage

There are some travel insurance plans that will cover things outside of the "standard" coverage, but you will have to pay an extra amount. This could include:

  • AD&D (accidental death and dismemberment)
  • Acute onset of pre-existing conditions
  • Teeth Covering
  • Car rental coverage
  • Dangerous sports medical coverage
  • Natural disaster coverage
  • cover terrorism
  • Cancellation for any reason for travel insurance

What is not included in travel health insurance?

Most travel insurance companies usually refuse to cover the following scenarios:

  • pre-existing conditions. If you have a disease such as diabetes, the insurance company will usually not cover any costs related to the disease, such as medications or doctor's checkups. However, some companies may cover the acute onset of a pre-existing condition.
  • If you're traveling during pregnancy, travel insurance companies usually won't cover any pregnancy-related expenses, such as childbirth, general checkups, or morning sickness. There are some plans that offer travel insurance for pregnancy complications.
  • Medical treatment as a result of drug or alcohol abuse.
  • Medical treatment as a result of reckless behavior and/or engaging in dangerous sports activities.
  • Travel insurance for cancellation during an ongoing event (eg extreme weather conditions).
  • Travel Ravel against government advice.

What activities are covered by travel insurance?

    Each travel company has its own policy rules regarding the coverage you will provide. However, in most cases, travel insurance companies will provide coverage if you get into an accident while doing one of the following activities:

The following activities may be covered by some insurance companies under certain circumstances:

  • Skiing (if done during ski season)
  • Scuba diving (if done under licensed instructors and up to a certain depth, usually 10-30 metres)
  • Abseiling and rock climbing (if you have to use special equipment, you probably won't be covered)
  • Sailing (just a short walk from the beach)
  • White water rafting (only for rapids 1, 2 and 3)
  • bungee jumping (depending on the selected policy)

What activities are not covered by travel insurance?

There are some holiday activities for which travel insurance companies do not offer any type of coverage, such as:

  • base jump
  • Skiing off season
  • Motorcycle riding and car racing
  • the hunt
  • Participation in professional sports
  • Works with bulls
If by any chance, your travel insurance company provides coverage for any of the above activities, the overall policy cost will be higher.

How do you choose the best travel insurance plan?

There is no single answer to this type of question because it depends on your specific needs and the type of trip you are taking. However, when searching for the best travel insurance policy for your needs, you should look for the following features:
  • Actual travel insurance company. Make sure you purchase your policy from a reputable company.
  • Coverage offered by the policy:
Do everything you consider important. For example, do you have coverage for medical expenses? How much will you pay out of pocket before the insurance company steps in?
What vacation activities are covered by your insurance? Ice skating races
Is the return not the episode?
Is there any point in the trip or the trip if the answer is correct?
Will you be covered if someone steals your belongings?

  • policy cost. Check if the cost of the policy is within your price range but at the same time, keep in mind that inexpensive policies have limited coverage. However, this does not mean that you cannot use some useful tricks to save money

How to get international travel insurance?

You can get travel insurance online, through brokers who are a type of intermediary that works directly with travel insurance companies. This is usually the best way because they only work with reputable companies and can offer travel insurance plans tailored to your needs, which means you don't have to look for insurance companies on your own.

Furthermore, when deciding on a travel insurance plan to purchase, it is important to read and compare the different policies, so that you know what you are paying for.

Here are the steps you need to follow when purchasing travel insurance for international travel:
  1. Determine how much coverage you need.
  2. Internet search.
  3. Find out if the policy provides coverage for where you're going.
  4. Read the fine print carefully.
  5. Buy a travel insurance policy early.

Determine how much coverage you need

When deciding how much coverage you need, consider where you're going, what activities you'll be doing, how long you'll stay, and what to do with you.
Therefore, you should always choose a policy that covers at least medical assistance, cancellation, and lost/stolen baggage.

  • When it comes to medical travel insurance, don't go for the cheapest option as these usually have very limited coverage. If you have a medical emergency while abroad, you may be left with a large medical bill that you have to pay mostly on your own.
  • If you intend to take valuables with you, you may want to secure them in case they are stolen or lost.
  • If the flight is expensive, you can consider higher premiums and more covered reasons for cancellation.
  • If you're going skiing (or some other holiday activity) be sure to include it in your policy as well.

Internet search

There are plenty of travel insurance comparison sites, such as TravelersCoverage, that make it super easy to compare different insurance policies. Once you know what type of coverage you need, it's easy to compare plans and choose the best one for you.

Find out if there is coverage and where to go

  • Travel Insurance for a US Visa
  • Schengen visa travel insurance
  • Travel Insurance for Italy Visa
  • Travel Insurance for France Visa
Not all policies are valid for all destinations, and it is rare for a company to offer coverage for a country where there is a travel warning.

Read the fine print carefully

It is very important that you read the fine line before you actually buy the policy. There can be a lot of confusing or misleading claims, making you think you have more coverage than you actually do.

Likewise, you may not know that you are entitled to make a claim unless you carefully read the fine print, no matter how boring.

Buy a travel insurance policy early

It is also important to purchase a travel insurance policy as soon as possible, so that if you need to cancel, any financial losses will be covered.

You will never get 100% of your money back, but depending on the policy, you may be able to get a good percentage of it back.

What is the best time to get insurance?

The recommended time to purchase travel insurance is within 15 days from the day you booked your trip or started paying for it/made your first deposit.

As your departure date approaches, and more deposits are made, you can include it in your coverage as well.

If your insurance is at the last minute or after 15 days have passed from the day you booked the flight, you may not be able to get full coverage.

In addition, if a disaster such as a hurricane occurs or is expected to occur at your intended destination, and you purchase insurance after it becomes normal, the flight cancellation will not be covered in this case.

How does international travel insurance work?

Once you purchase a travel plan, in the event of any mishaps that is covered by the plan, you can file a claim with the insurance company and they will reimburse you for part or all of the costs, as per the policy rules.

For example, if you get sick while abroad, you can get the doctor's note and medical bill and send them to the insurance company to file a compensation claim.

Although most people think that travel insurance only covers travel health insurance, there is much more than that.

It also covers any expenses you may incur if you have to abruptly cancel your flight, or if your baggage or other personal belongings are stolen or lost, as well as the return of remains in the event of loss of life.

How to submit a travel insurance claim?

You should submit the claim to your travel insurance company as soon as possible.

For this, you need all the supporting documents you can get, if you want the company to really consider and cover your legitimate claim. Examples include:

If you need medical help. If you have an accident or get sick during your trip abroad, you should keep your medical bills, doctor's notes, and any other documents that prove you need medical help.
Once you submit your claim, the insurance company will reimburse your treatment costs. In countries such as the United States, if you have travel health insurance with a reputable health insurance company, the hospital may be able to pay the costs directly to the insurance company.

Stolen property or a car accident. If your personal belongings are stolen or you have a car accident during your trip, you should contact your travel insurance provider as soon as possible to find out how to proceed.
You must also file a police report and keep evidence when making an insurance claim.

Flight cancellation. If you have to cancel your trip, you must provide a reason for this to the insurance company.
For example, if the reason is work-related, include a letter from the employer. If the cause is health-related, include a note from the doctor, etc.
To remember:

Be sure to contact your travel insurance providers before leaving the country you are visiting so that you know the documents you need when submitting a claim.

In some cases, travel insurance providers ask you to contact them immediately if something happens.

Most importantly, read the insurance policy carefully to find out the exact steps the travel insurance company requires you to take to file a claim.

Make copies of any documents that prove that you are eligible for compensation.

How much does travel insurance cost?

As a general rule, the cost of your travel insurance plan ranges from 4% to 12% of the total cost of your trip.

More expensive trips usually cost more to insure simply because if the trip is canceled for some reason, the amount of money the travel insurance company has to pay is higher.

However, the cost also changes depending on the following factors:

The coverage you need. Plans with only basic health coverage cost less than plans that include other factors as well, such as trip cancellation, property theft, etc.

Even in only basic health insurance, there are different levels of coverage, which can affect the cost of the insurance plan.

The duration of your trip. The same plan, with the same amount of coverage, costs more for a 30-day trip than if you only travel for a week or two.

How many people are included in your plan. Likewise, if you only need to cover yourself in the plan, it will be less expensive than if you purchased health insurance for all of your family members.

Your age. The prices of travel insurance plans rise with the age of the traveler.

People over 65 usually pay more for plans because they are more likely to file a claim, while if you have young children, you may be able to add them to your plan at no additional cost.

your destination. Some travel insurance companies also look at where you're traveling when pricing your plan because some destinations have a higher level of risk than others.

Is travel medical insurance worth it?

Whether or not the travel insurance is worth it comes down to how much you can lose if the trip is cancelled.

If you've prepaid your hotel room, flight ticket, and other added activities, getting travel insurance that's part of that price might be worth it.

However, if you're traveling to stay with family, and you buy a cheap return ticket, you don't risk missing out on much, so travel insurance, in this case, might just be a waste of money.

Another example when travel insurance is necessary is if you are traveling to a country with high healthcare costs, such as the United States. If you get sick or have an accident in a country with high healthcare costs, the medical bill can easily rise to tens if not hundreds of thousands of dollars, so the cost of insurance is only a small part of it.

Ultimately, it is up to you to judge the possibilities and decide whether or not your flight requires insurance.

How to save money on travel insurance?

Although lower priced travel insurance policies are known to have less coverage and may end up costing you more if you need to file a claim, you can still make smart purchases and save money on your travel insurance:
  1. Do not buy from your travel agency or airline
  2. If you book a flight or flight, tour agencies or airlines sometimes offer free travel insurance as an all-inclusive deal.
  3. Although convenient, in many cases, they have extra fees, and you will end up paying more for travel insurance than you need or what you actually get.
  4. Check if you can get it online. Not only is this better because it allows you to compare more policies through comparison sites, but plenty of travel insurance companies offer discounts for online purchases.
  5. Buy it early.
  6. Try to purchase travel insurance as soon as you book a trip as it will cover any costs that occur between then and the time the trip actually takes.
  7. Know what you are insuring. The term "better than sorry" may be true, but there's also something else that's very safe.
  8. For example, if you have a refundable flight, you don't get reimbursement coverage,
  9. Because travel insurance companies will only cover non-refundable trips in any way.
  10. You don't get high premiums on lost/stolen baggage if you don't take valuables with you.
  11. Get group insurance. If you're traveling as a family, it's cheaper to get group travel insurance than to get it individually.
  12. If you travel a lot, get an annual multi-trip policy instead of a new one every time you travel. Usually, with an annual policy, there is a limited amount of time that you are covered each time you leave the country.
  13. Check if you already have travel insurance with your credit card.

Note: You should not try to save money on travel insurance by taking a policy with insufficient coverage or a high deductible/surplus (the amount you have to pay out of your own pocket before the insurance company covers the rest). If you choose a travel insurance plan with high deductibles, the plan itself will be less expensive, but if you have to file a claim, you will lose more money in the end.

Credit Card Travel Insurance: What Is It?

Many credit cards have their own travel insurance if you use the card to make purchases.

It will provide coverage for the usual things, such as medical emergencies, cancellations and loss/theft of personal belongings.

Things to know about credit card travel insurance:
  • You must pay an annual fee for this, which ranges from $100 to $400 annually, depending on the bank.
  • The card provides coverage for trip cancellation, interruption, delay, baggage loss or delay, car rental, travel accident insurance, and emergency evacuation insurance.
  • Medical travel insurance is secondary, which means that it usually covers the part that is not covered by your regular travel insurance policy.
  • It will be activated after purchasing an airline ticket, or in some cases, a hotel reservation.
  • There is usually a minimum amount that you have to pay for the ticket
  • (eg, $400) to qualify for travel insurance.
  • If you pay less, your card's travel insurance will not be activated.
  • Credit card travel insurance has a higher discount/boost than regular travel insurance. This means that you have to pay
  • More out of your pocket before insurance takes over.
  • Usually there is no age or location limit.
  • You may have to notify the bank in advance if you wish to use the travel insurance from your credit card.
  • You have to pay your expenses with your card. If you pay by any other means, you will not be covered.

How do you complain about the insurance company?

If you have problems with your travel insurance provider and believe you are being treated unfairly, you have the right to file a complaint.

Typically all travel insurance companies have their own internal complaints procedure.

If you are unable to reach a resolution with your travel insurance provider, you have the option of turning to an external dispute resolution system.

But first, make sure you have the right to file a complaint in the first place.

Read the policy rules carefully. Check for any small fliers that explain or put your situation in perspective.

Check the "Exceptions" list for activities not covered by the insurance policy.

If you have problems with your travel insurance provider and believe you are being treated unfairly, you have the right to file a complaint.

Typically all travel insurance companies have their own internal complaints procedure.

If you are unable to reach a resolution with your travel insurance provider, you have the option of turning to an external dispute resolution system.

But first, make sure you have the right to file a complaint in the first place.

Read the policy rules carefully. Check for any small fliers that explain or put your situation in perspective.

Check the "Exceptions" list for activities not covered by the insurance policy.