Common Misconceptions about Travel or Visitor Insurance

As the holiday season is almost there, your family or friends may be planning to visit you in the United States or maybe you desire to visit Alps or Caucasus mountains in Europe. In both cases, you need an efficient travel insurance plan as you and your family/friends will be exposed to multiple risks during the journey.

When it comes to travel insurance or visitor insurance, there are a lot of misconceptions that confuse you and avert you from making an intelligent decision. We have listed a few of those misconceptions in an order to enlighten you:

Health Insurance and Travel Insurance is the same thing

There is no doubt that travel insurance has some benefits that are almost similar to health insurance but both are very different from each other.

Travel insurance offers protection against issues such as loss of luggage, emergency medical treatment, cancellations, and loss of personal belongings.

Specifically talking about medical cover, travel insurance allows you to get a short-term medical treatment which is under the specified area of cover.

The bottom line is that it will not cover any kind of long term medical treatment.

On the other hand, health insurance covers treatment for emergency healthcare and even for a routine checkup.

The insurance policy further provides flexibility in terms of the place of treatment (within the region of cover), the choice of doctor, and treatment facility.

It includes cover for pre-existing medical conditions, routine checkups, hospital stay, and chronic conditions.

Some of the insurance companies offer flexibility i.e any policy can be tailored to meet customers specific needs.

All Insurance Companies provide coverage for countries with Travel Warnings

Travel insurance plan does get affected by travel advisories designed for that particular country or city. There is a common misconception that insurance companies provide coverage for places that have travel warnings.

If you are planning to visit a country or a place that is unstable or the government issues special advisories for that, contact the international travel medical insurance company and clear all your doubts before taking any insurance plan.

I have an EHIC card. Therefore, I don’t need travel insurance

Though you have a European Health Insurance Card, it does not mean that it will provide full coverage in Europe. It only provides basic care that is covered by a statuary health care system in the visited country.

The above-discussed misconceptions aren’t the only ones. You can contact with us to clear all your doubts.

Also Read: Going for Holidays to the USA? You Need to Know These 5 Things

Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.