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.
Travel insurance may include an accidental death and
dismemberment policy, a policy for repatriation of the remains, or
medical emergency and emergency medical evacuation while you are on a
trip outside the United States.
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
Travel insurance from most travel insurance companies can
be arranged a long time, even months, before the actual trip, and
consists of a range of insurance coverage services safeguarding you
throughout your trip, before, during, and after. In truth, accidents,
emergencies, and unforeseen events can happen anywhere, and to anyone.
Travel insurance companies, and their policies give you the peace of
mind of having protected your investment and your health, as well as
your belongings. It
> Protects your investment if you have to cancel
> Provides emergency medical referral and assistance
> Reimburses unexpected expenses due to emergencies
> Protects you during the medical emergency
> Provides medical assistance abroad
> Provides emergency evacuation if necessary
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.
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.
If you have to seek
medical treatment while you are on your trip, companies like Travelex
will cover Emergency Medical & Emergency Medical Evacuation /
Repatriation. Advance payment is generally made to the Hospital if it is
needed to secure admission.
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
The Emergency Medical coverage usually ends, however,
as soon as you reach your home, especially if you have been returned
under the Emergency Medical Transportation/Evacuation coverage
plans from travel insurance companies like Travel Safe cover the losses
incurred due to family members not scheduled to travel with you, up to a
maximum of six people per cancellation / interruption claim due to an
accident or sickness of just one person in the party.
insurance companies offer stand-alone medical evacuation insurance. The
costs range from $69 to $109 a trip at Travel Guard to Access America's
annual policies beginning at $190 per person.