Policy terms can be a confusing, so it’s important to read through all coverage terms, availability and restrictions. it’s best to read all of the details before you buy to get current policy terms and information. A travel insurance agent can walk you through the benefits and limits of each plan and package or you can click on a benefit on TravelInsurance.com to launch a window with additional coverage details. Policy terms vary by plan and provider, so it’s appropriate to ask simple questions about plan structure, benefits and exclusions. When it comes to policy terms, it’s never safe to assume anything.
Explaining the policy terms for medical coverage should be one of the first questions to ask any travel insurance agent. Medical benefits for international doctor’s visits, hospital expenses and emergency medical bills are among the core benefits that travelers are most likely to use, so it’s important to understand the provider’s policy terms. If you don’t have standard health insurance coverage, ask your travel insurance agency how this could affect your travel insurance benefits. Other questions about policy terms include specifics about limits, plan deductibles and the deadline for filing a claim. A travel insurance agent can also provide information about the medical referrals process and medical services offered through phone-based help centers.
If you are traveling to multiple regions or plan to do some sightseeing while overseas, it’s important to ask your travel insurance agent about regional and geographical policy exclusions. While traveling to Europe, it’s important to know whether you’re protected if you decide to take an international ferry or enjoy downtime during a layover. Some policies only cover travel to specific areas, so it’s important to know before you risk losing a claim. Always ask your travel insurance agent to review exclusions if you are unfamiliar with the terms.
Policy terms also include benefits and coverage limits. Because benefits and limits vary by service, it’s a good idea to ask a travel insurance agent to review all of the included benefits and coverage ceilings. A summary of the maximum benefits for each service should include varying figures, such as a daily maximum for trip interruption benefits, a per-item maximum for lost baggage coverage and overall maximums for major services, such as medical benefits. A travel insurance agent can also tell you what steps to take to ensure you are fully protected.
Reviewing policy terms with your travel insurance agent is one of the best things policyholders can do to ensure a safe trip with complete travel insurance coverage. Asking questions before your trip and upgrading coverage if necessary can prevent a claim denial due to exclusions hidden in the policy terms.