it’s always a good idea to buy travel insurance before you go on vacation. However, it may take a bit of research to find the coverage that you need. While a travel insurance policy can cover medical emergencies, theft and trip delays, there are many common expenses that may not be covered in a standard plan. Often, you will need to purchase a supplemental policy if you require coverage for items that are not in the plan. Here is a look at three travel insurance options that are not offered upfront in your policy.
Rental Car Insurance
If you are going to be renting a car during your vacation, it is important to carefully go over your travel insurance policy. If you get into an accident or minor collision, most travel insurance policies will not cover the costs. This is typically left out of your travel insurance plan because rental car companies offer their own insurance plans. Still, if you would prefer to cover all of your insurance needs with one policy, many travel insurance plans offer supplemental policies.
Medical Care For Pre-existing Conditions
Travel insurance can be a lifesaver if you have a medical emergency while traveling abroad. Your policy will kick in and cover the expenses that your regular medical insurance policy would reject. However, you may need to purchase supplemental insurance if you are expecting to seek treatment for pre-existing conditions while you are on vacation. If you are traveling for an extended period of time, a supplemental policy that covers pre-existing conditions will ensure that you get the medical care that you need.
High Risk Destinations
If you are traveling to a country where your safety may be at risk, it may be difficult to find a plan that will protect you from the dangers. Many insurers place restrictions on coverage in countries with extraordinarily high incidents of crime, terrorism, or civil unrest. With diligence, you can find an agency that will insure you against these risks. However, you will need to look beyond a basic policy to find adequate coverage.
While swimming with the sharks or skiing in the deserts of Africa are certainly exciting ways to enjoy your vacation, your extreme itinerary may make it difficult to find coverage. Special insurance policies can cover your medical expenses and help you come home safe.
Purchasing the right travel insurance policy will allow you to enjoy a worry-free vacation. While your basic plan will cover most of the expenses you will incur, you may need to look into additional travel insurance options for special circumstances. Your travel insurance agent can help you select the policy that is right for you.