How to Buy Good Travel Insurance
Travel insurance is equally important thing as a Travel visa , one should have it by all means. Traveler can’t have a trip without travel insurance.
Ok Lets see Why? Because travel insurance is what will provide you with medical coverage when you get unwell or met with accidents, reimburse you when your bag stolen, your flight got canceled, a family member dies and you have to come home, if lose a bag, or something is stolen. It’s all-purpose emergency coverage and is the single most important thing you should get for your trip (lets hope one should never have to use). It’s the one thing strongly, strongly advise travelers to never leave home without Travel insurance because it helped so many – and so many others regret being cheap and not getting it! For only a few dollars a day. Be Smart!!!.
Lets see Some Typical real time incidents
I used it for a doctor in Argentina, when my cam-cord lost in Spain, my ear drum popped in Amsterdam, and my luggage was stolen in Bangkok. Each time I was reimbursed my expenses and was made whole again.
Since most health programs don’t cover overseas and credit cards offer really limited protection, travel insurance is something definitely need to protect against the unknown. After all, one would don’t want to end up like some one who didn’t have insurance when someone’s laptop was stolen and had to pay out of pocket for a new one.
Since travel insurance is one of the most important and confusing way of trip planning, though its look annoyed but its really life saver !!!! Also please avoid getting a bad insurance plan:
Lets See What to look in a Awesome Insurance plan
There are a plenty of options out there. Insurance is a humongous business, and everyone wants their scoop of it, thus traveler will have choices that can be confusing and overwhelming. And, often, in the fine print, one would find that plans aren’t as good as one would thought.
When looking for a plan, first make sure they have a high coverage limit on medical expenses. A good company will provide up to $100,000 in coverage care, though more expensive policies will cover for higher amounts. The maximum coverage limit one can find is around $1,000,000 USD, though not sure why one would ever need a limit that large. High coverage limits are important because if traveller get sick, injured, or need serious attention and have to seek professional care, Traveller want to make sure high hospital bills are covered. The worst thing traveller can do is go cheap and get a policy with a $20,000 coverage limit, break a leg, and reach that limit before they are done taking care of Traveller . Don’t be cheap with health. Get minimum coverage of $100,000.
Traveller should make sure policy also covers emergency evacuation and care that is separate from medical coverage. If traveller is hiking in the woods and one would break leg, policy should cover evacuation to the hospital. If a natural disaster occurs and one should need to be evacuated to somewhere else, plan should cover that as well. This protection should cover an expense of up to $300,000 USD.
Additionally, evacuation also should mean from the hospital to home country. Standard emergency evacuation usually includes this provision, but it’s important to double-check a company will cover the cost of flight back home if one need it.
A great policy will always include the following provisions:
- Cover most countries in the world
- Some coverage for electronics (and have the option for a higher coverage limit)
Cover injury and sudden illnesses.
- Twenty-four hour emergency services and help (you don’t want to call to be told to call back later)
- Cover lost, damaged or stolen possessions like jewellery, baggage, documents, cameras, etc.
- Cover cancellations such as hotel bookings, flight, and other transportation bookings if one have a sudden illness, death in the family, or some other emergency.
- Cover emergencies, strife in the country visited, etc., that cause to head home early.
- Have financial protection if any company traveller using goes bankrupt and stuck in another country
A quick note on electronics: most companies only have a small limit, usually up to $500 USD, as part of their basic coverage. One can often buy supplemental insurance to get a higher amount of coverage. For instance, Clements Insurance offers special coverage for electronics. Prices vary depending on the country one would visit ($145-195 per plan). Moreover, many regular and home insurance companies such as State Farm offer plans that can help to cover electronics. Be sure to check if one finds a travel with a lot of gear! My camera was covered because it was cheap. If one have an expensive DSLR or lens, get supplemental insurance! It will be worth it!
Lets see What isn’t covered is just as important as what is
To know what is also not covered by Travel Insurance plan. Most policies do not cover accidents sustained while participating in extreme adventure activities such as hang gliding, paragliding, or bungee jumping unless one should pay extra. The majority of companies won’t cover this if traveler injures someone on the road (called third-party liability). Policies do not normally cover alcohol- or drug-related incidents, or carelessness in handling possessions and baggage. Traveller won’t get reimbursed if the problem happened because one’s were reckless (how “reckless” is defined is a matter up to each company). But simply: if a reasonable person wouldn’t partake in what caused accident, traveller won’t be covered.
Moreover, traveller won’t be covered for pre-existing conditions or general check-ups. For example, if traveler have diabetes and need to buy more insulin, then travel insurance will not cover this If traveler want to go see a doctor for a general check-up, aren’t covered either.
The medical portion of travel insurance is more about emergency care than being a replacement for normal healthcare. A lot of people purchase insurance thinking it is, then get disappointed when they find out they can’t go get an annual physical with it. Travel insurance is accident insurance. It is there to protect in case of emergency and, if need be, get home in a hurry. If traveller want a global health plan (To live in Beijing), one would need a completely different type of plan.
Please check our travel document (flight itinerary and hotel booking plan)