Travel Insurance is a Necessity

The primary reason for getting a travel health insurance is to have a peace of mind that your medical expenses are covered in an event of an injury or unexpected sickness during your vacation in another country. when you go abroad, you will face uncertainty and your current insurances generally will not cover the risks associated with traveling overseas.

Travel Insurance is a necessity for elderly people, those who have medical conditions, or even healthy people that will be traveling to an underdeveloped region. If you are going to an underdeveloped region there are the risk of diseases, changes in the climate, the natural habitat, or unfamiliar microbe. Even in developed countries you can be exposed to outbreaks like what happened to California Disneyland which suffered a measles outbreak.

However, most travel insurance policies do not cover pandemics (flu outbreaks) but other providers do cover them so it is wise to check if they cover it before you purchase the policy.

If you have allergies or other preexisting conditions it is really important to bring with you your medical file from your personal doctor that describe the condition and the drugs you need. If you have a chronic disease, you will need to bring your prescribed drugs in the amount needed for the days spent in the other country.

Additional benefits of having a travel insurance besides for medical expense coverage, is it will also cover other losses that you may incur during a trip like missing luggage, flight cancellation at the last moment, travel agency or accommodation bankruptcy.  It can also provide cancellation insurance by giving you full or partial refunds.

Stay safe and enjoy your vacation!

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Important Points to remember when Getting Travel Insurance

With the recent unfortunate mysterious disappearance of Malaysia Airlines Flight MH370 a lot of travelers are thinking that you can never say that you are 100% safe. The Malaysian passenger plane which has 239 people on board vanished in the skies over Southeast Asia Saturday March 8, 2014.

The Malaysia jet is a Boeing 777-200 model which have an excellent safety record.

You really can't say what future holds, which is why it is important that you make sure that you and your family are financially secured during unfortunate events like this.

Travel Insurance plans covers these most common risks:

•     Emergency evacuation
•     Repatriation of remains
•     Medical emergency (accident or sickness)
•     Return of a minor
•     Trip cancellation
•     Trip interruption
•     Visitor health insurance
•     Accidental death, injury or disablement benefit
•     Overseas funeral expenses
•     Lost, stolen or damaged baggage, personal effects or travel documents
•     Delayed baggage (and emergency replacement of essential items)
•     Flight connection was missed due to airline schedule
•     Travel delays due to weather
•     hi-jacking

These are the risks that are commonly excluded:

•     Pre-existing medical conditions
•     War or terrorism
•     Injury or illness caused by alcohol or drug use

When purchasing Travel Insurance make sure that it has secondary coverage, this will make a big difference when you need treatment and will save you from further inconvenience. If you have none, you may incur out of pocket expenses and will deal with more headaches in filing for reimbursement from health insurance company. You may also suffer mediocre hospital care in a foreign country if you don't have enough money to cover the cost or they may even deny to give you medical care. Paying additional dollars for secondary coverage is worth it to get primary medical coverage.

Getting a primary medical coverage advantages:

- No out of pocket expenses
- You won't be denied medical care in a foreign country due to cost

Travel Insurance will compensate you if your baggage is lost, stolen or damaged, not only by the airline but also if it is lost, stolen or damaged on your way to your hotel or in a restaurant. However, do note that most policies do not cover electronics such as smartphones, tablets, or laptops so it's important to double check each policy carefully under the Baggage and Personal property section.

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Travel insurance

The purpose of Travel insurance is to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one's own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Coverage varies, and can be purchased to include higher risk items such as "winter sports".

Terrorism is excluded except for the Emergency Medical and other expenses section, Personal Accident section and Hijack section (where cover is provided as part of the policy). If the terrorist act involves a nuclear device or a chemical or biological agent, there is no cover at all.

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