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Should You Consider Travel Health Insurance,

Are you a recent college graduate looking for that dream summer back packing across Europe, A young adventurer who wants to re-trace the steps of Genghis Khan, A middle aged individual who is years overdue on a really good vacation, For many individuals, a truly great vacation includes traveling. Getting away means just that, getting away. But there is one major detail that many individuals tend to ignore that they shouldn’t: travel health insurance in case of emergency.

It’s funny how so many people think of the importance of having health insurance at home, where they even know doctors and hospitals, yet then they leave to take a trip overseas and don’t have any coverage at all. How can you leave your country without health insurance,

Contrary to popular belief, many plans do not cover you outside of the US. The last thing you need is to be stuck in a foreign emergency room with a broken arm, strange rash, or dysentery without any protection of health insurance and any ability to pay for service. Even things as small as rashes or infections can become a very big deal.

Travel health insurance has other benefits beyond just its obvious name. Don’t think of travel health insurance as just being health insurance for overseas, but think of it as kind of an overarching insurance that happens to include health. Many of these plans are cheap, and not only do they cover important fees such as hospital and medical expenses, but also things like lost luggage, trip cancellation, emergency dental work, evacuation, and even accidental death. If you can get all of this coverage for a cheap price, why would you even consider leaving without it, You can buy the policy, get an insurance card and an emergency number to call, and that’s it. You now have peace of mind.

When contemplating travel health insurance, many people only think of small things that don’t really matter in the larger picture: loss of money, stolen camera, or stolen luggage. Illness and accidents are possible realities wherever you go, and need to be accounted for. This is the purpose of travel insurance. To define it succinctly: travel health insurance is a policy specifically designed to protect and cover you from any and all possible risk you might run into while traveling abroad.

Travel health insurance is a great policy, and generally is very cheap. Most likely, and obviously you hope, that during a vacation overseas nothing will go wrong and you will enjoy a trip that will create memories worth lasting for a life time. But peace of mind is a good thing to have, and just in case things go wrong you want to have a plan in case a dream vacation ends up turning its head towards being an ugly nightmare.

Travel health insurance gives you this option, covering you in almost any event and helping to give a security abroad that you would hope to have even if you never left your front door. So find a good policy, and enjoy the trip!

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Top Tips For Getting The Best Travel Insurance For Your Needs

Let’s face it; we have all encountered some sort of problem or two while traveling either for business or with the family on vacation. That is where travel insurance can come in handy. Many people are not aware that they have the option to buy travel insurance to help cover possible medical or hospital expenses while traveling away from home.

If you get sick while away, you can expect to possibly end up losing money on your prepaid accommodations if you end up spending a night or two in the hospital. Many people plan their vacation now with package deals where they pay one price and their entire itinerary is planned for them. If this is how you have planned your trip and then you end up sick, chances are that you will lose out on the activities that were lined up for you with no chance of a refund. That makes your entire trip very costly as well as uneventful.

Here are some of the top tips for getting the best travel insurance for your needs:

You should try and avoid getting your travel insurance through your travel agent as you can expect to pay up to 66% more than if you bought it Online. All you need to do is a bit of searching in order to find cover that suits your needs the best. Travel agents that offer travel insurance might not have coverage to back themselves in the event that their business goes under or bankrupt. That will still leave you in the same boat you were in, in the first place. Be sure to stick with companies that have a strong history in this area.

If you decide to go with an Online company then be sure to check out their credentials. You want to make sure that they are legit and offer more than one plan. You want to look at different levels of coverage to best pick out what meets your specific needs. There are some items that should always be included in every policy such as: Unlimited Overseas Emergency Medical Assistance, Personal Liability, Unlimited Overseas Dental, Hospital and Medical Expenses and Unlimited Lost Deposits and Cancellation Fees.

Another important tip is to always be wise and check the details of each policy offered. Since there are many different levels of coverage, you want to check which ones will cover pre-existing conditions if you or a family member has any. Traveling with such conditions can be scary when it comes to medical coverage so this would be some piece of mind to let you enjoy your vacation.

Traveling should be a fun experience and travel insurance helps to make sure that you do not incur unexpected financial burdens while away from home. Just be careful and check out each company you are considering that offers travel insurance. Make a list of what items you want to have coverage for and use that list to help you choose the plan that is right for you.

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Should I Purchase Travel Insurance, Travel Tips

This is one of those age-old questions with no definitive answer. It’s estimated that 30 percent of Americans purchase travel insurance, which is a drastic increase since 9/11, when less than 10 percent of travelers were insured.

If you’re flying on a $150 ticket to see Aunt Irma in Wisconsin, you probably don’t need travel insurance. But on a trip such as yours, travel insurance can come in handy if something unexpectedly disrupts your trip. Your first step is to compare the cost of the trip versus the cost of the policy.

The most common situations when travel insurance comes in handy are:

Your flight is canceled

Your passport and wallet are stolen

You require medical treatment while abroad

You need to cancel your trip due to illness

An unexpected hurricane hits your destination

Your airline/cruise line/tour company go bankrupt

Reasons NOT to purchase travel insurance are:

You’re afraid of terrorism

A hurricane is going to hit your destination (this applies if the storm has already been named by the National Weather Service)

Your pet is ill

Your flight is delayed for so long that you want to cancel

One major caveat: Never purchase travel insurance from the same tour operator or cruise line with which you’re traveling. If that company goes out of business, there may not be money to cover your claim. Use a third-party provider (that includes travel agents).

Also, don’t forget about medical insurance. Even if you are covered for basic emergency care overseas, in almost all cases, your current health insurance does NOT cover you to evacuate you and fly you back to the U.S. Something called “Medical Evacuation and Repatriation” insurance comes in handy here. You pay a yearly fee, and if you get sick or injured overseas, the policy will get you treated, stabilized and flown back to the U.S. to the hospital of your choice, not theirs. There are a number of good companies that provide this type of plan, such as MedJet Assist.

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