Travel insurance is very important in case unexpected events occurs. What happens if: You lose your passport? When searching for the best travel insurance policy you should have a basic idea of your travel habits and plans in advance in order to choose the right policy. If you know you are going to travel several times within in a year, an annual travel insurance policy (multi-trip policy) covers all your trips and can be far more cost effective – they do have a maximum duration per trip though!
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: Traveling families and seniors on a budget who can’t afford to lose all their non-refundable trip costs in the event of an unexpected emergency like an illness, a car crash, or a job loss.
What to consider: Are you paying for the right coverage or can you upgrade/downgrade as needed to something that you’re more comfortable paying for? If you are traveling in a group for business or leisure, you could save by purchasing one group policy instead of one policy for each individual.
There are two main types of travel insurance – single-trip, which only covers one getaway, or annual multi-trip, which covers you for every trip you make over the course of a year. A single-trip policy is best for people who will only go on one holiday in a 12-month period, and can cost as little as a few pounds. Annual policies can be a cheaper option if you know you’ll be going away several times in a year.
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.
Even the best travel insurance have their limits. Often, in the fine print, you’ll find that plans aren’t as good as you thought. The medical portion of travel insurance is more about emergency care than being a replacement for your normal healthcare. A lot of people purchase travel insurance get disappointed when they find out they can’t go get an annual physical with it. Remember you will get what you pay for. Maybe you see two companies offer similar plans but one is really cheap? Why? Usually it’s because the devil is in the details and they could have smaller payouts, take longer to process claims, deny more people, or have so many rules in the fine print that it turns out you aren’t going to get paid when you think you are!
ในชีวิตของเรานั้นการท่องเที่ยวเป็นสิ่งที่ช่วยให้คนเราค้นพบความสุขในโลกปัจจุบัน เพราะการเดินทางเหมือนการเปิดโลกหรือสิ่งใหม่ๆให้กับตัวเราเลย ไม่ว่าจะเป็นการพบนวัตกรรมที่ต่างกันในการเดินทาง หรือจำพวมความเป็นอยู่ในแต่ละสถานที่ๆได้ท่องเที่ยวหรือผ่านทางไป จึงเกิดประสบการณ์ดีๆมากมาย แต่ใช่ว่าการเดินทางนั้นไม่มีความเสี่ยง การทำประกันเดินทางจึงเป็นสิ่งที่จำเป็นอย่างยิ่งในการป้องกัน และลดปัญหาในคาดคิดระหว่างการท่องเที่ยวและเดินทาง ดังนั้นหากท่านคิดจะไปไหนเราก้อยากแนะนำให้ท่านได้ทำประกันชนิดนี้เพิ่มเติม