Travel health insurance might seem just another documentation to you. However, it can save you a big deal if a disaster strikes in the form of an accident or health emergency while you are on the go abroad.
Since the global health crisis began, almost every international traveler’s mind is overwhelmed with tons of questions about travel medical insurance. It includes: What do you mean by a travel health plan? What all does it cover? Does every international traveler need it? What is the best travel health insurance policy? What if you already have a dedicated health insurance plan?
Regardless of why or where you are traveling to, having answers to these questions is crucial.
How about domestic medical insurance plans? Aren’t they enough?
Dear reader, most domestic medical insurance policies come with some or more caps. One such cap is: these are less likely to extend coverage outside the boundaries of your homeland (native country).
So, if you are injured or suffer a medical emergency while traveling abroad, it could lead to a significant extravagance in a foreign country. However, with travel health insurance in place, you and your finances are safe, no matter where you go.
Scenario before and after COVID-19
Before the pandemic started, traveling to most countries did not necessitate having travel health insurance. However, now, it is almost next to impossible to travel without the same. Some countries specifically ask for COVID-19 coverage to allow you to enter.
Let us take a look at the list of countries with a long-standing requirement of travel medical insurance for entry, even before the coronavirus crisis:
- Schengen Countries, including the Czech Republic, Belgium, Austria, Denmark, Finland, Estonia, France, Greece, Germany, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Norway, Malta, Netherlands, Portugal, Slovenia, Slovakia, Sweden, Spain, Poland, and Switzerland.
Countries with post-COVID-19 travel health insurance needs:
- Turks and Caicos
- Costa Rica
- St Maarten
So, in light of the travel restrictions, it is wise to stay prepared with all the relevant documents to ensure a hassle-free trip. Choosing the right travel health insurance is likely to depend on the reason why you are traveling. And a trustworthy insurance agency can help you understand the same.
How crucial is travel health insurance when traveling abroad?
Here is an example for you. This example will help you understand the importance of having travel health insurance handy when going to a different country. Read on!
The year 2020 has left us longing for a vacation like never before. So, after being under complete lockdown for a considerable time, let us suppose you planned a trip to the majestic mountains.
Your journey starts!
A day or two into your trip, and you badly injured your spine and leg. The accident was so grave that you were airlifted to the nearby healthcare facility from the accident spot. You spend around 2-weeks in the hospital until complete recovery.
Although it is a hypothetical scenario, you never know it could turn out to be a real-life situation too. And, unfortunately, if this happens, it could cost you more than a fortune in a foreign land if you do not have a travel medical insurance plan.
However, if you have a comprehensive visitor insurance plan by your side, your finances are safe, and you have mental peace.
The bottom line
Having the protection of a comprehensive travel insurance plan is an integral aspect of traveling to a foreign country. So, make sure you have one before flying.
Also, as far as the availability of such policies is concerned, you will find many service providers around professing to be the best in the state. Make sure not to fall for them.
Be an informed buyer and choose a reliable insurance agency with years of experience in the industry. A reputable firm like Visitors Guru can help you find the best possible cover while addressing your queries effectively.