Going Overseas Do You Need Travel Insurance

Going Overseas Do You Need Travel Insurance

Depending on​ the​ travel insurance plan,​ travel insurance usually promises to​ cover you​ for cancellation or​ interruption of​ your trip,​ some form of​ emergency medical care while you​ are traveling,​ lost or​ stolen luggage,​ and various other troublesome occurrences.

Before you​ decide on​ a​ travel insurance plan,​ it​ is​ wise to​ investigate the​ plan carefully and read the​ fine print. you​ should closely check any agreements with your travel agent,​ tour operator,​ airline,​ or​ other companies involved with your travel plans. the​ agreements may include written guarantees.

If you​ have a​ fully refundable airline ticket,​ you​ may decide that you​ would not need trip cancellation/interruption insurance.

On the​ other hand,​ it​ may be worthwhile noting that certain insurance plans can protect you​ by covering the​ financial costs in​ case of​ the​ following situations:
• A sudden,​ serious injury or​ illness to​ you,​ a​ family member,​ or​ a​ traveling companion.
• Financial default of​ the​ airline,​ cruise line or​ tour operator.
• Natural disasters or​ strikes that impede travel services.
• A terrorist incident in​ a​ foreign city within 10 days of​ your scheduled arrival in​ that particular city.

The fact that you,​ a​ traveling member of​ your family,​ or​ a​ traveling companion were quarantined,​ served with a​ court order or​ required to​ serve on​ a​ jury.

A circumstance in​ which you​ were directly involved in​ an​ accident enroute to​ departure for your trip.

It is​ a​ good idea to​ check your other insurance policies. For instance,​ your homeowners or​ tenants insurance may cover the​ loss or​ theft of​ your luggage.

Certain credit cards may also provide additional travel insurance,​ if​ you​ have used them to​ purchase the​ ticket for your trip.

Your health insurance may provide certain coverage,​ regardless of​ where you​ travel. But it​ is​ very important to​ note that some policies only partially cover medical expenses abroad. Moreover,​ as​ previously explained in​ the​ section on​ Health Insurance,​ Medicare/Medicaid will not cover hospital and medical services outside the​ United States.

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