The reason why you must have travel insurance

Travel insurance is very important in case unexpected events occurs. What happens if: A hurricane damages your destination? Travel insurance is one of the most important things you’ll need for your trip. You wouldn’t have a car without car insurance, a home without home insurance, and you can’t have a trip without travel insurance.

Travel medical insurance plans cover your emergency medical care when you’re traveling outside your health insurance network. Many U.S. based health insurance plans do not cover their members when they leave the U.S. and they apply out-of-network charges for travel outside the health insurance network area, which means the traveler pays a higher portion of the bill.

The following travelers need a travel insurance package plan: Travelers taking an expensive trip, like a cruise or safari, and want to be able to recover their non-refundable trip costs if they have to cancel the trip.

What to consider: Does the policy cover indemnity only for medical expenses incurred abroad, or can you also obtain reimbursement for medical treatment continued in your home country? If traveling domestically, often home insurance policies may include coverage for personal belongings outside your home. This will help you save on travel insurance costs.

Cost should not be your only consideration when buying travel insurance. As a general rule, you should only consider policies that include £2 million for medical expenses, £1 million for personal liability, £3,000 for cancellation, £1,500 for baggage and £250 for cash. Note that the level of excess you opt for – the part of the claim that you must meet before the insurer pays out – will affect your premium. Not all insurers allow you to adjust the excess, but the more you are prepared to pay, the lower your premium will be.

Many standard travel insurance policies won’t include high-risk activities, such as scuba diving or skiing. So it might be worth taking out a specialist single-trip policy to cover a particular holiday. If you opt for annual multi-trip travel insurance, check how many days come under your ‘maximum trip duration’. Most insurers will cover individual trips of up to around 31 days. If you are planning on being away for longer, speak to insurers directly or opt for specialist cover.

You want to make sure your travel insurance policy also covers emergency evacuation and care that is separate from your medical coverage. If you are hiking in the woods and you break your leg, your policy should cover your evacuation to the hospital. If a natural disaster occurs and you need to be evacuated to somewhere else, your 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 your home country. Standard emergency evacuation coverage frequently only moves you if your current facility is inadequate, or if it’s “medically necessary”, and then pays for a flight home after you’ve recovered.

การเลือกประกันการเดินทาง นั้น มีมากมายหลายชนิด แต่หากท่านได้ลองเปรียบเทียบประกันแล้วๆจะรู้ว่าแต่ละแบรนด์หรือบริษัทประกันส่วนใหญ่ให้นั้นจะคล้ายๆกัน แต่จะต่างกันตรงเบี้ยประกัน และ การคุ้มครอง ที่ส่วนใหญ่แล้วขึ้นกับจำนวนเงินที่ลูกค้าจ่ายไป ดังนั้นการเลือกประกันเดินทางที่ดี ก็ควรศึกษาให้ครอบคลุมและไม่ให้พลาด การคุ้มครองบางอย่างที่ไม่คาดฝันไป เช่นข่าวคนไทย ไปเที่ยวอเมริการแล้วโดนทุบรถ แต่ประกันไม่รับผิดชอบในส่วนที่เป็นของหายระหว่างการเดินทาง จึงทำให้เสียโอกาสไปอย่างน่าเสียดาย ดังนั้นจึงจำเป็นอย่างยิ่ในการตรวจสอบข้อมูลประกันการเดินทางให้ชัดเจนเพื่อประโยชน์สูงสุดของท่านเอง