A travel insurance policy protects you against the financial burden of medical expenses and ensures you have a pleasant experience while travelling.
There are different types of travel insurance available, such as international travel insurance abroad, business travel insurance, student travel insurance, and more. You can compare travel insurance plans to find top-rated trip insurance.
But what does the best and most reliable travel health insurance consist of? Continue reading to get some insights on travel health insurance and how to purchase travel insurance that is reliable.
What Is Travel Health Insurance And How It Can Be Useful?
Travellers often dismiss the idea of getting travel health insurance. If it is not mandatory to get traveller insurance in the country they are planning to visit, travellers often do not opt for travel insurance. This is because they do not have accurate information about the usefulness of getting travel health insurance.
While you are travelling there might be certain health issues that will require you to get medical assistance. In such cases, you will have to pay for these medical expenses out of your pocket. It may create a financial burden on your savings, especially if you are travelling abroad (since the medical bills are more expensive overseas).
With travel health insurance the medical expenses incurred during your travel are covered under the policy. These medical expenses include- hospitalisation costs, medication costs, medical evaluation costs, and more. Travel health insurance financially protects you while travelling. It also gives you peace of mind as you do not have to pay out of your pocket for medical expenses.
However, you should make sure that your travel health insurance plan provides coverage for all your requirements. For example, if you have any pre-existing health conditions, make sure your travel insurance plan provides coverage for pre-existing health issues as well.
Tips On How To Choose a Reliable And The Best Travel Insurance
Below are some steps you can take to ensure choosing a reliable travel health insurance.
Compare Travel Insurance Plans
There are many travel insurance policies available in the market. To ensure choosing a reliable and right one for you, it is essential to compare different plans. While comparing travel insurance you should consider the coverage provided and cost of the travel health policy. This will help you find a reliable travel health insurance plan and a cost-effective one.
Consider Travellers’ Age
Age is an important factor to consider while purchasing a travel health insurance plan. Young individuals or kids are less likely to fall sick. On the other hand, senior citizens are at a higher risk of falling ill during a trip. This is why it is advisable to purchase a senior citizen travel insurance for them.
Research Customer Service And Support
Travel insurance providers usually offer customer support to deal with any queries and claims. Round-the-clock customer support can be very beneficial especially while travelling overseas. Ensure that your travel insurance provider offers 24/7 customer support.
Additionally, ensure the quality of the customer service and support offered by the provider. You can get insights into the quality of customer support through the insurance company’s reviews and ratings.
Make sure you read multiple reviews and experiences of other policyholders with the insurance company. This will ensure that you have a smooth experience during your policy period.
Disclose Health Conditions
Once you have selected a travel health insurance plan, the next step should be to disclose your health conditions or pre-existing health conditions to your insurance provider. If you do not disclose your pre-existing health conditions to your insurance provider, there are chances of your claim getting rejected..
This will result in you paying out of your pocket for such medical expenses. This is why it is essential to fully disclose the information about your health conditions to your insurance provider. Certain travel insurance providers offer add-on covers for pre-existing health conditions, you can purchase it to get adequate travel insurance coverage.
Sum Insured Amount
The sum insured is the maximum claim amount that the travel insurance provider will offer in case of any claim. If the medical expenses exceed the sum insured amount you will end up paying from your pocket for these additional expenses.
This is why it is essential to have an adequate sum insured. It is advisable to get a higher sum insured if you are planning a longer stay or travelling to a developed country.
To Wrap It Up
There are many affordable and cheap travel insurance plans available. However, make sure you get enough travel health insurance coverage for all your requirements. Do not compromise the coverage to lower the premium costs.
For example, if you are planning on travelling overseas, make sure you get an international travel insurance plan that provides coverage for your medical expenses as well as other expenses like trip cancellation, loss of baggage, flight delay insurance, etc. Choosing a reliable travel health insurance policy should be the priority.