Some people going on international trips consider it unnecessary to have any kind of insurance. They do so with the idea that the trip is just for two or three days and nothing is going to happen, so why pay out some money for nothing? But, anything can happen at any moment and anyone traveling abroad should have international health insurance.
While abroad a person can get sick or be part of an accident. Having international health insurance can help you with benefits such as:
- The latest in medical treatment at any of the advanced hospitals of the visiting country
- Chronic diseases even if the disease was discovered after the sign up
- Services of a translator within twenty-four hours
- Be able to consult with the best doctors in the visiting country
- Insurance covers terrorist attacks as well
- Annual medical checkups against the insurance
- The policy can be renewed and continued for life
- Insurance policy can be managed through the company’s website which has all the information and also the updates
Various types of insurance policies are available and there are a lot of similarities between all these policies, except for some minor differences. However, while traveling abroad international health insurance is a must. Companies that provide international health insurance also take care of other aspects like lost luggage, trip cancellations, rental car damage and evacuations.
One can get the details of international health insurance from the travel agent who will be able to recommend a reliable company. One can check the internet for the best deal that can be availed.
The cost of such insurance will largely depend on the type of insurance the individual wants. Two types of rates operate in international health insurance; one is the group rate and the other is the single rate. A person can choose between the two types of international health insurance for their travels.
Travel medical insurance
Individuals going abroad for short trips should get this type of insurance, valid for three years. The amount that can be got in this plan is $50,000 to $1,000,000 for a single trip. This type of insurance does not cover medical expenses incurred before the trip.
Long term medical insurance
Companies that send its employees abroad on a routine basis prefer this type of insurance that includes routine checkups and can be renewed. The upper limit of coverage per year can be from $500,000 to $8,500,000 or $1,000,000 to $5,000,000 per lifetime. However, the coverage depends on the visiting country and therefore it will be best to read the terms and conditions very carefully before committing to a plan.
Traveling abroad for fun or work can have its risks and it would be wise to have international health insurance to ensure that you are protected from unfortunate happenings.