Before you leave your country, you should be informed about which medical services your health insurance will cover abroad.
If your health insurance policy does not provide coverage for hospital or medical expenses abroad, you are forced to get a temporary health policy that provides this type of coverage. There are several short-term health and emergency assistance policies designed for travelers.
The companies that providing such policies from can be traced by your travel agent, health insurance company etc. In addition to health insurance, many policies also include trip cancellation, luggage loss, Death, medical emergency and travel accident insurance all under the same plan.
Medical Emergencies:
One of the main advantages of taking health and emergency assistance policies is that they usually include coverage for medical evacuation to the countries abroad also. Even if your regular health insurance covers you for emergencies abroad, you should consider purchasing supplemental insurance to cover medical evacuation also while traveling abroad.
Thus before you decide to take a travel insurance plan, it is wise to investigate the plan carefully and read the documents carefully. You should closely check any agreements with your travel agent, tour operator, airline, or other companies involved with your travel plans. The agreements may include written guarantees. Whenever you plan a trip by flight or you usually travel by flight one may face situations like Cancellation of Flights or other expenses incurred due to delay of flights, thus one should go for plans which can protect you by covering the financial costs also they should include the following situations:
A serious injury or illness to you or to any of your family member. Financial default of the airline, cruise line or tour operator. Natural disasters or strikes of travel services. A terrorist incident in a foreign city just a day prior to your departure. A situation in which you were directly involved in an accident.
Your health insurance may definitely provide you certain coverage, regardless of where you travel. But it is very important to note that some policies cover medical expenses partially that incur abroad. Thus your travel agent should always advise you about the right and most adequate plan for you and your family. Before purchasing travel insurance one should review the plan carefully, and be confident enough that they don't go for duplication of same policies again and again.
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