Like everybody, we all want a memorable vacation; we all make good investments, and we all want to make it worth it. For this, you need to purchase a travel insurance plan because you never know what events can unfold in an unfamiliar land. There can be sudden medical emergencies and other unforeseen events like loss of luggage or passport, trip cancellations due to bad weather or death of your companion, etc.
A health insurance plan isn't a waste of money, rather it offers a sense of security when you travel overseas. Here're the top 5 reasons why you need to get one before your next international trip.
1) Accidents can happen while traveling
Nobody wants to fall sick while on vacation, but you never know when things take an abrupt turn, and you end up in a hospital room. You can meet with an accident and suffer from severe wounds, injuries, and even broken bones. Do you wish to pay from your pocket? No, right? Because healthcare cost in a foreign country is expensive. This is where a travel insurance plan comes into the picture. It safeguards you financially. Your insurance company pays you for the full losses incurred during your travel.
2) Medical evacuation can be expensive
Suppose you are trekking in a remote location, and you have badly hurt your feet. You need immediate medical attention, but the medical unit located there isn't equipped with adequate equipment. In such cases, your health insurance plan with emergency evacuation helps you with air ambulance services. You can be transported to the nearest qualified medical unit and get treated.
3) Your standard health insurance will not work abroad
Your standard health insurance policy works in your home country and doesn't cover you when you take an international trip. You need better protection and comprehensive coverage, which can be provided by a travel insurance plan. Plus, the plans that work in your home country may not be recognized in the hospitals and clinics of the country that you're visiting. For instance, if you're visiting the US, it's wiser to purchase a travel insurance plan from a US insurance company.
4) Trip cancellation can occur due to emergency
Based on the eligibility of citizenship and residence, you can consider trip cancelation plans which cover you for the non-refundable trip cost in the event the trip is canceled under the covered reasons like sickness of your family member, or death of your companion or flight canceled due to bad weather, or there's a natural disaster and more. These plans typically include medical coverage as well.
5) Loss of luggage, passports, and documents can ruin your trip
Losing your baggage or travel documents can hamper your entire trip. Or damage to your personal belongings or delay in luggage can lead you to a lot of distress. You may need your passport and other ID in your hotel, and when you fail to present them, you may face trouble finding accommodation. When you purchase a travel insurance plan with loss, stolen, or damage of luggage benefits, you can be reimbursed for your losses.
Travel health insurance policies are meant to provide insurers with a sense of security and peace of mind. Whenever you face a slight inconvenience, you will know that the insurance executives are just a call away! From facing a medical emergency to a stolen wallet, you can contact your insurance provider 24*7.