How to pick a travel insurance company.
Whenever you plan to travel abroad, travel insurance, from
one of the reputed travel insurance companies, needs to be considered for the
trip. Traveling anywhere outside your country of citizenship is not without
risks. An easy way to offset some of this risk is through travel insurance.
Depending on where you are going for your trip, and why, additional coverage like foreign commercial liability, foreign automobile liability or foreign workers compensation and sickness policies might become necessary.
Make sure that you check with your doctor or contact your
insurance professional in order to discuss the details of your trip, and figure
out your insurance needs.
The AAA Insurance Company, for example, provides insurance for the basic travel needs, along with many other services. While many other companies like Travel Guard, have plans that provide Primary Emergency Medical coverage, and Trip Interruption plans that refund the a large part of the cost of a one-way ticket or the non-refundable trip cost.
Travel Guard guarantees payment to the relevant medical
facility and makes your admission easy, and also continues to cover your medical
expenses for as long as one year after you return home.
In addition, some policies may cover the cost of delayed
flights and lost luggage, and evacuating the person to the nearest adequate
medical facility, or a hospital of choice, if necessary.
Travel insurance companies like Medjet Assist specialize in medical evacuations and offer a range of membership options. These may vary from seven-day coverage, at $85 a person, to a year’s coverage at $225 a person. Most also have slightly cheaper package options for families.
Travel insurance companies, like Travel Guard, may also cover some pre-existing conditions as long as the policy is bought within 15 days of the trip booking.