When getting ready to travel internationally, having the right insurance is a key consideration to maximize your peace of mind and your safety overseas. The right type of travel insurance from a reputable company can protect you from unexpected emergencies overseas.
There are many different types of travel insurance relevant to different situations; however, there are three major types that all travelers should consider.
1. Medical Evacuation Insurance
Depending on to where you are traveling, you may not have immediate access to high-quality health care. Medical evacuation insurance typically ensures you have paid transportation to medical facilities that are up to the standard of United States health facilities, no matter what country you are in. This can be a lifesaver if you run into an unexpected emergency that is beyond the capacity of local health care.
With the best medical evacuation insurance, you even get access to a 24/7 travel health specialist support center, which can help address emergencies at any time.
2. Travel Health Insurance
If you have pre-existing health conditions, you will definitely want to consider a comprehensive travel health insurance plan. When traveling abroad, relying on the insurance and health care practices of a foreign nation can be quite dangerous, especially when many countries do not offer the same benefits to tourists that they do to citizens.
Travel health insurance helps ensure that you will receive the same care overseas that you would in the United States. Many times, your current insurance company will have special considerations for individuals who are traveling abroad, so there is no need to make a great deal of changes to your plan. Check to see if you can simply add an extension for overseas travel.
Make sure that you have all of the benefits you will need, including transportation to high-class medical facilities as well as coverage for pre-existing conditions. You may have to purchase a separate short-term insurance plan if you are going to engage in high-impact or adventure activities such as skydiving or cave exploring.
3. Trip Cancellation Insurance
Sometimes, an overseas trip does not materialize because life gets in the way. Trip cancellation insurance helps reduce the costs of having to abandon trip plans if something happens before you actually go overseas. The amount of money that you spend on planes, accommodations and legal paperwork can be quite substantial even before you arrive at your destination. Trip cancellation insurance ensures that you save money should you have to stay home. To reduce the risk of a trip being postponed or cancelled, you should be sure to meet all the vaccination, visa or other requirements needed to enter a country.
There are plenty of free resources online for United States citizens to take advantage of when looking for the right type of insurance. The US State Department and the CDC offer a wealth of information designed to help ensure the safety of citizens who travel overseas. Use these free resources while in the planning stages of your overseas trip and benefit by going into your adventure with the peace of mind that will help you enjoy your excursion to its fullest extent.