A travel insurance plan is a good way to be sure that you are covered for a medical emergency while traveling. Coverage for medical services differs from one insurer to another. Therefore, it is important to evaluate each part of the quotes that you get to be sure that you get the coverage that you expect.
The policy maximum is the dollar amount limit for the policy. However, the maximum can be applied differently. A per policy maximum applies to the entire travel insurance policy. A per incident policy maximum applies a limit to each illness or injury that you have while traveling. You want to buy a higher maximum amount if you are traveling in places like Europe where medical care can be more expensive for visitors. If you are traveling for a longer period of time you will want a higher maximum amount. If you are participating in outdoor activities where you might become injured more easily then it makes more sense to buy a policy with a higher limit. Younger travelers can choose a higher maximum limit, but senior travelers may have only a limited amount that they are allowed to purchase.
Emergency medical evacuation services will get you back home if you are seriously ill or injured. You should examine the policy to see if this coverage is included. Some policies even pay for a family member to join you and accompany you back home.
Return of mortal remains, also called repatriation, covers expenses if the policyholder should die while traveling. Bringing a loved one back from another country is very expensive. Make sure this is included in your policy. Also usually included is some kind of assistance from the insurer to help the family make the necessary arrangements.
A travel insurance plan may be set up to pay medical providers directly or they may require you to pay for the services and file a claim for reimbursement. Examine your policy to see how it is set up. Pharmacy charges are almost always an out of pocket expense. When you return home you file a claim for reimbursement.
Pre-existing conditions may not be covered under your travel insurance policy. A pre-existing condition is one for which you were treated prior to your trip. Some plans ask health questions and other do not. Examine your policy to see if any pre-existing limitations apply.Getting the right travel insurance plan for your trip is a matter of carefully examining any policy that you are considering to verify how medical services are covered. Knowing what you are buying and what to expect if you need to use the coverage will offer some peace of mind during your travels.