Part of what makes travelling abroad such an amazing experience is seeing how people in other cultures live, and getting to participate in various events and festivities that help you cultivate an appreciation for the diversity that exists in the world. Visiting other countries, whether it is for an extended stay or a much needed holiday, comes with a certain amount of pre-planning that must be done in order to see that your trip goes off without a hitch.
While most people tend to put a lot of thought into choosing the right type of outfits to stuff in their suitcases, ensuring they look awesome when sightseeing, many give little thought to purchasing visitor insurance to ensure they are well taken care of in the event of a medical emergency abroad. Most individuals don’t like to think of their dream vacation being interrupted by sudden illness or injury, but travelling to different countries comes with a few risks, and not having insurance can be costly in multiple ways.
Paying for medical care in a different country can be expensive depending on their economy and cost of living. Having visitor insurance will guarantee that your treatment will be paid for so that you can truly enjoy your travels worry-free. Choosing this type of health coverage is very similar to purchasing regular insurance, but here are a few things to keep in mind that will help you choose the best plan for your needs.
Available Plans to Choose From
Choosing a visitor insurance plan will depend largely on your travel plans, as well as your budget. When planning your trip, it is critical that you have everything accounted for so that you know exactly how much money you have available for coverage, as this will help narrow down plan choices when shopping for quotes.
There are two different plans you can choose from:
- Comprehensive Coverage: This kind of insurance coverage will pay a specific percentage of any medical expenses you might incur, after the deductible is met. The deductibles only need to be met one time during the policy period, and in-flight emergencies are also covered with these plans. The policies are bit more expensive, but the price is worth it if the injury or sickness you sustain racks up expensive medical bills.
- Limited/Fixed Coverage: A limited plan means that the insurance provider only pays a specific dollar amount on your expenses, which means that you could end up with greater out of pocket costs, as the amount paid by the provider tends to be on the low side. These plans are great if you are on a tight budget, as they are less expensive than comprehensive insurance coverage.
Both plans provide you with protection, but if you have the funds available, the comprehensive coverage gives you more bang for your buck and will pay more for your expenses, leaving a smaller hole in your wallet than you’d have with the limited/fixed plan. Of course, again, it all comes down to your budget.
When to Purchase a Plan
Since it is always wise to plan ahead, it is better to purchase a visitor insurance plan before you take your journey, although you can buy coverage after you arrive at your destination. A good rule of thumb is to purchase the insurance at least 24 hours in advance of your arrival date. If you have already arrived at your destination, you can purchase a plan and have it take affect the very next day.
Policy Purchasing Process
The process for purchasing this type of coverage is similar to any other health insurance program. The first step is to conduct an online search for companies that provide visitor insurance and begin shopping around for a quote. Keep in mind the information mentioned above and stick as closely to your budget as possible, without comprising the level of coverage you need.
Once you find a plan that has all of the benefits and features you require, at a price you can afford, fill out the application and submit it. You will need to fill out forms regarding your health history, and some medical conditions may cause you to be ineligible for coverage. Make sure to have all of your medical information, including any prescription medications you may be taking easily available to help speed up the application process.
After all of your medical information is processed, barring any pre-existing conditions, your policy will be issued and your protection will begin promptly on the start date.
Travelling abroad, seeing some of the most beautiful sights the world has to offer should be an experience you enjoy to the fullest, which is hard to do if you are bogged down with concerns about sustaining illnesses and injuries abroad. Put those worries to bed by purchasing a visitor insurance plan and make the most out of your once-in-a-lifetime travel opportunity.