Picture this. You’re online, booking airline tickets for your next trip, and a page appears asking you to purchase travel insurance for a minimal fee. Similarly, your travel agent will ask if you want to get insured for the trip.
Before you proceed, ask yourself: Is it the right coverage for me?
It’s not prudent to buy travel health insurance if you haven’t had the time to read the full terms and conditions. Not knowing the exclusions and limitations of your policy may put your life at risk or put you in a difficult financial position.
Below are some key pointers from IAMAT’s Guide to Travel Health Insurance to get you started.
Having a clear understanding of the type of travel you’ll be doing and being aware of the health risks you may encounter abroad can take the anxiety out of choosing the right product.
When it comes to travel health insurance, you have two choices: a travel health plan or a vacation package:
Your policy is a legal contract. Make sure you understand what your obligations and responsibilities are in return for coverage. Read your policy from A to Z, including all the fine print, and understand what you’re covered for and how much. You may discover that your existing travel health coverage or the one you’re thinking of buying is not the right one for you.
Here are some items to keep in mind before buying:
Note that pregnancy complications or child birth, injuries resulting from alcohol use, or psychological disorders like anxiety or depression are not covered by standard insurance plans.
Navigating the world of travel insurance can be a daunting task. Download the guide for tips on what to look for in travel insurance packages to ensure that you’re fully covered, including information on pre-existing condition waivers and medical questionnaires. It’s free for members.
Have a quick peek! Here's an excerpt on Making Sense of Your Medical Coverage.
Last reviewed and updated: December 19, 2016