| International travel for the retired is here and | | | | Always read the fine print. Accidental coverage is |
| booming! As a consequence so is the need for | | | | not provided in case of drunken driving, driving |
| International Travel Medical Insurance. But | | | | under the influence of narcotic substances etc. |
| whether you are 6 or 60the need for international | | | | Exclusions are also provided for accidents during |
| travel medical insurance is true for everyone, | | | | risky sports, that means in case of accidents in |
| regardless of age or length of time abroad. | | | | these situations the insurance company is not |
| Suppose you fall ill just a few hours after arriving | | | | liable to pay any amount to the insured. |
| at your destination. Or you make a trip to | | | | Many travel insurance companies also feature |
| another country and you are injured in an | | | | discounts for owning multiple policies with them or |
| accident? Or one of your children is part of a | | | | for maintaining a good driving record. A group |
| group making a visit abroad, gets food poisoning | | | | package is intended to cover school travels, such |
| and requires hospitalization. In all cases, without | | | | as sporting events, group travel, or any travel |
| adequate travel health insurance, you will be | | | | that carries ten or more individuals. Since the |
| responsible for the costs above and beyond the | | | | family packages are restricted, covering only the |
| limitations of your existing medical plan. | | | | immediate members, the extended polices may |
| International travel insurance is normally used by | | | | be needed to cover additional parties. Thus, few |
| short-term travellers, mostly on holidays and | | | | insurance companies may offer up to 10% |
| pleasure cruises. Apart from covering medical | | | | discounts, while others may offer more or less. |
| expenses for a short travel time, it also covers | | | | You can determine which insurance is best for |
| emergency medical evacuations and trip | | | | you and your situation by learning about the |
| cancellation refunds. | | | | different kinds of coverage offered by the |
| Travel medical insurance is meant for international | | | | insurance companies your familiar with. By simply |
| travellers who have to go abroad quite often. | | | | phoning to get more information you'll learn and |
| There are a number of travel medical insurance | | | | discover the options available for your particular |
| companies that give support to thousands of | | | | type of trip and destination. |
| travelling people on travel medical programs. | | | | Be completely open and honest about your |
| These programs are meant to provide medical | | | | medical history and any activities you are likely to |
| protection and assistance services in cases where | | | | take part in, whether you think they're risky or |
| people develop medical problems outside the | | | | not. As with any insurance policy; if in doubt |
| country. | | | | declare it anyway. One of the most common |
| To avoid any potential medical disasters, wise | | | | defences made by insurers when declining a claim |
| travellers are prepared by carrying health | | | | is that information was not disclosed or not |
| insurance coverage. Check to see whether your | | | | correctly disclosed. Declare everything and |
| regular health insurance takes care of medical | | | | document it. |
| costs in other countries. If it does, what is the | | | | So, if you are planning to travel, whether it is for |
| extent of your coverage? | | | | business or for pleasure, you should definitely |
| On a sombre note, have you thought about | | | | think about getting a single trip insurance policy. |
| repatriation of mortal remains? In case of death | | | | The comfort, peace of mind and assurance you |
| the travel health insurance company will bear the | | | | will enjoy while travelling far outweigh the |
| cost of returning the mortal remains of the | | | | premiums you will pay. In case something goes |
| insured. | | | | wrong, you know that you will receive the best |
| Before you leave check your policy document or | | | | compensation and benefits. |
| contact the insurer to confirm what precise steps | | | | Finally, check your existing insurance policies for |
| your insurance company requires you to take in a | | | | possible coverage. There is no sense in paying |
| medical emergency. If you have to buy any | | | | more for what you already have in your |
| treatments or medicines, again keep receipts and | | | | homeowner or tenant policy, such as theft and |
| original prescriptions if possible. | | | | loss coverage. |