You never want to be caught off guard when protecting your health. The consequences of being unprepared for medical emergencies while traveling can be more severe than when you’re at home. When you don’t feel well or don’t speak the same language as your doctors, how can you navigate a health care system you don’t know? How will you communicate with your doctors? And how will you pay for your care? International travel is not always under domestic health insurance. Therefore, travel health insurance is a necessity. With this guide, Fincrew Insurance explains what travel insurance is, when it starts and how to ensure your health is protected if you are injured or ill while traveling.
What Is Travel Insurance?
A travel medical plan provides medical benefits, and emergency services are essential if you get sick or get into an accident on a trip outside your home country. Your travel insurance could cover the cost of treatment if you contract an illness while traveling, such as COVID-19, malaria, or even the flu. Travel medical plans also cover emergency medical evacuations if local medical care isn’t available. The evacuation cost is not only surrounded by insurance, but our travel assistance services can facilitate your evacuation to a medical facility that can provide the necessary medical treatment.
How Do Travel Medical Insurance And Trip Protection Differ?
It’s not just about medical coverage when it comes to travel insurance. Trip protection also offers other benefits. The benefits can cover lost or delayed baggage and nonrefundable trip expenses if cancellation or interruption occurs. Additionally, travel assistance services are available 24 hours a day, seven days a week, to help with situations such as replacing a lost passport, interpreter referrals, and arranging emergency medical evacuations. Travel medical insurance is different from this coverage, so when your coverage takes effect is also different.
Do Travel Medical Insurance Policies Start Covering Medical Expenses Right Away?
Whether you purchase travel medical insurance one day before departure or months before, your coverage begins when you leave your home country. Even though it might seem like a good idea to wait until the last minute to buy your insurance, especially if you’re trying to decide whether travel medical insurance is worth the cost, buying in advance is a better idea, the plan will not start until at least a day after you purchase it, so it’s best to review the plan document, ask questions, and make sure you choose the right plan before buying it.
What Does It All Mean?
Buying insurance can be confusing, especially when you don’t understand the terms and definitions. Travel medical insurance can be confusing, but Fincrew can help simplify the process. You can learn more about travel insurance on our blog or by contacting one of our experts.