There are several questions about travel insurance that has been raised several times by quite a number of people. It is a good thing, we always need to know what we are buying and to understand if it is really worth our money. Travel insurance is something that needs to be bought for every trip, it does not matter how long it is, it is just a must, because we never really know what to expect when we are travelling.
When travelling we always expect that we will have a whole lot of fun and exciting adventures, this is true however, there is always other things to worry about, if there wasn’t why was travel insurance made in the first place? It has been discovered that there are many mishaps that may happen during a trip. We always get Health insurance, life insurance, home insurance, car insurance. Travel insurance is just the same, it is just as important.
Questions about Travel Insurance – What Is Travel Insurance?
What Travel Insurance is basically an emergency care when things seriously and unexpectedly goes wrong. It has a wide range of situations it covers but it entirely depends on the policy you have bought. Depending on what policy you buy, it can be there for you when your luggage is lost, fall during hiking, get infected with a parasite when overseas, cancel flights, medical evacuation. It has many applications that are very useful to us.
Is It Health Insurance For Trips?
This is one of the most popular questions about travel insurance. It does have its medical components and coverage, but it is not health insurance for trips. It covers many other things as well, such as flight cancellations, trip interruptions, accidental injuries, loss of luggages, etc. Its medical coverage is only for emergencies, it does not cover minor check ups, it is only useful for severe illnesses that has been acquired when you are overseas, and of course, even domestic trips.
Can It Be Used Like Health Insurance?
Health insurance can be used whenever you like, the medical component of travel insurance is only good for the help it provides when it is an emergency and unexpected injuries, such as breaking a leg, popping an eardrum, food poisoning or even dengue. Travel insurance will have you covered in those situations. If you want to see a doctor for something that isn’t serious, then you are most likely on your own. There you have it, one of the most burning questions about travel insurance, answered.
Can I Use It To Get Treated For An Illness I already Have?
The point of insurance is to be covered for something unexpected. If you have an already existing illness, it will most not be covered. If you get sick on the road then yes, travel insurance will be there to help you out tremendously.well. If you need medication for an illness that is already ongoing, you might be out of luck. So understand the difference between travel insurance and health insurance.
Doesn’t My Credit Card Offer The Same Protection?
Credit cards do offer similar kinds of protection but it is very limited, even the best credit card can’t offer the same exact protection as travel insurance. Usually the credit card only offers the protection if you have used the card to book the trip, then it will offer some protection for lost or stolen items, medical expenses, and trip cancellations. You must always check what you are covered for to make sure you are actually covered.
How Does Travel Insurance Actually Work? Do I Get A Card Like Medical Card?
You don’t get a card for travel insurance. If it is a major medical emergency that needs an overnight hospital stay then either you or someone else will have to contact the emergency assistance and then they can help make the necessary arrangements and approve the costs. For other situations that are non emergency standards, you would need to claim reimbursement from the insurer. Be sure to keep all the receipts and reports.
I’ve Read Many Reviews Online, Did Not Find Any Good Ones, Why?
Again, one of the most popular questions about travel insurance! We ask this ourselves too 🙁
People are allowed to say whatever they wish online, usually not good things because they have not done enough research on the topic. However as for insurance, most people don’t know what the policy actually says, they do not fully read the terms and agreements. Because of this, people start assuming what they are covered for when they don’t really know what is covered, and when something does go wrong, and they don’t get covered, they will get mad about it.
If I Get Myself Hurt After Getting Drunk, Will I Still Be Covered?
Interestingly enough, this has got to be of the most popular questions about travel insurance! Most likely no, because you are doing something silly and foolish. Insurance companies will always do the necessary investigation to know if you have put yourself in a situation that will probably injure yourself. It is very unlikely for you to get reimbursed if you get yourself drunk or do something foolish that is expected to get yourself injured. Insurance covers and helps when the unexpected happens.
Does It Cover Me If I Am At Home?
Some travel insurance do cover you if you are at home. However it entirely depends on your policy, so to really understand what you are covered for, you should always read and ask. There are always conditions on when the coverage starts and ends and where you can travel to. An example of this will be World Nomads Travel Insurance, it covers when you are either outside of your home country, outside of your home province, or 100 miles from your permanent address.
Does It Cover For Non-Emergency Health Care?
Generally, Travel medical insurance policies are for emergencies. Routine health care, elective surgery or continued treatment that can wait without endangering your life until you arrive home will not be paid for. There are factors that affect the price of the policy, those factors include the length of your trip, your age and the current health risk problems. You must always find an insurance that covers what you need to be covered.
There you have it! Now that you have all these questions about travel insurance answered, it is most important to know that you must always choose the proper travel insurance policy that suits your needs. Don’t just pick a low-cost policy because it is low-cost, pick it because it suits your needs. Always understand what you are covered for as well. One can easily assume what they are covered for and overlook what they are covered for.
Allianz Travel Insurance, prices from RM16/trip, you can visit us at PolicyStreet to read more on it.
In fact, if you are going travelling soon, seize this golden opportunity to redeem one FREE meal on us! All you have to do is to buy a travel insurance from us, take a photo of your food, drink or snack when you travel, send your details to us, and we will give you RM10 for it. It IS THAT easy. Click here to know more about how to redeem your free in-flight meal! Don’t wait, act now!