You're going on a vacation and you can't help but be excited about it.
After all, it's been so long since you've taken a break from your taxing
work. You haven't really had the luxury of time to relax or see new
places. You've packed your bags and have everything all set. But wait,
you must be forgetting one thing: the visitor health insurance!
Also called the visitor medical insurance, this type of policy provides
financial protection against diseases and health problems experienced
while traveling abroad. It covers all medical expenditure including
doctor's fee, hospital stays, medications, therapy, emergency flight, and
so on. Because you can never really know when an unfortunate event is
about to strike, it would be smart to equip yourself with this type of
policy to ensure that you're protected financially.
Here are some tips to keep in mind when you go shopping for visitor
Contact your regular insurance agent/company. If you have existing
policies on health, liability, and so on, you would want to ask your
company if it offers visitor health insurance. It might be possible to
extend your existing policy to cover medical expenditure abroad. This
would cost you less than if you buy a new policy altogether. But just
because you're getting coverage from your old insurer doesn't mean you
don't have to study the policy anymore. Study it carefully to see if it
covers all areas necessary. If not, check out other companies that may
have better options for you.
Shop around. If you decide to look around, be sure to do it extensively.
Collect and compare several policies from different insurers. Take note
not only of the prices and fees but also of the inclusions of the policy.
It would be better to spend a little more on a coverage that takes care
of more expenses than a cheaper one that wouldn't even pay for your
hospital stays or medications.
Consider getting insurance through your travel agent. If you have
enlisted the help of a travel agency to take care of your vacation plans,
then you might want to skip the shopping around and ask the agent for
recommendations. Study these recommendations to see if anything suits you
well. If none of these fit the bill, don't hesitate to check out other
Ask around. Aside from your travel agent, there are plenty other venues
where you can get referrals. For one, you can participate in online
discussion groups that talk about this topic. You'll be able to get
feedback on policies and insurers that certain people have tried. It
makes sense that you don't want to involve yourself with companies that
are plagued with complaints and negative feedback. You can also talk
about this matter to your friends, relative, co-workers, neighbors, and
so on. Chances are, some of them would recommend travel insurer.
Use online insurance comparison site. There are plenty of these types of
websites that give this kind of service. You can use these services to
compare coverage and costs effectively for free.