Savvy and seasoned travelers know that anything can happen on a trip, especially a long trip, which is why they choose to have travel insurance and travel insurance options when they are on the road, in the air or on the water. It just makes sense.
Basic travel insurance covers, for example, the cost of missed flights or connections, trip cancellations and lost or stolen baggage or luggage. But there are many travel insurance options depending on the type of traveling you are doing, whether it is domestic or international and depending on whether or not you are traveling to areas that are considered dangerous.
One of the most significant options is medical insurance that will cover you if you are out of your medical insurance carrier’s territory or out of network as it is called. Sometimes this is included in basic coverage and can be upgraded if you are traveling internationally, which is critical because you don’t want to pay out of pocket for medical procedures or even a stay in a hospital in a foreign country.
Some travel insurance options even include covering the cost of private hospital stays. This would come in handy in a third world country where public hospitals will not be up to American standards. There may be exclusions or limitations depending on age.
If you are traveling with children, you should investigate medical coverage for the whole family. This might be a valuable travel insurance option in that children sometimes have difficulty adapting to different foods and climates of other states or countries. Adults might ride out a case of minor food poisoning on the bed in the hotel room. In the case of your child, however, you would want to seek immediate medical treatment. Rates will vary, of course, depending on how many children you cover and for how long.
In the case of an unforeseen and tragic death of a covered person, there are travel insurance options that pay for the cost of transporting a body or remains back home. This type of travel insurance coverage is advised for older travelers or those suffering from chronic, severe illnesses.
If you are traveling to areas of the world that are routinely violent such as the Middle East or parts of Africa or Latin America, it might be a good idea to investigate travel insurance options that cover the cost of extracting you from a country in case political/civil unrest makes it impossible to leave the way you entered. This type of travel insurance coverage is especially important for business people who need to travel to dangerous areas or perhaps for missionaries who travel to these countries regardless of the risks.