When taking a trip abroad, it is imperative that you purchase travel insurance. There are numerous plans that you can purchase and customize to your own individual needs. The travel insurance package must be purchased prior to the date of your trip. Listed below is a few different types of coverage available to you.
Trip Cancellation – Trip Interruption
Sometimes the unexpected happens which is totally out of your control and you need to end or cancel your trip. It could be from an emergency in your family, illness to you or your travel companion. This coverage will allow a refund of your travel package. Coverage is also available for an unplanned incident that requires you to take a one way trip back home.
This coverage is for accidental death, major injuries such a loss of sight or limbs while in flight.
Accidental Death & Dismemberment
This plan is similar to the flight accident coverage, however, this coverage extends to you for any incident that occurs while on the trip. Not during the flight.
Loss of your luggage en-route to your destination can go missing with a variety of important information in it. It is recommended that any important papers like passport, money, medications be carried with you on board. If they have lost your walker or wheelchair, the insurance will assist you immediately.
Student Medical Travel
Students traveling to different schools all over the world need to buy medical insurance. It is extremely important that you research the coverage and obtain it before you leave. The travel insurance above is not meant to cover you for medical expenses. This travel plan will cover you for the basics needed while traveling to and from a different location. There are student medical plans which are quite affordable. They will cover doctors appointments, dental, physiotherapy. If you consider the alternative of paying hundreds just for a doctor’s appointment and medication, it is well worth the investments. Some of the medical plans do come in packages. Here are a few medical benefits, you must have in your policy.
Emergency Medical Care
This allows you up to $1 million emergency or non-emergency medical care. The most important type of coverage you should buy, as it covers you up to $1,000,000 for all medical care. It can be used for non emergency or unforeseen emergency medical care. This medical care can be used for all types of medical care, including x-ray, physiotherapy and many more variety of coverage.
It is well worth the time to look for a plan with dental coverage. Dental work can be very costly, and if caught off guard while traveling, it could be very expensive.
Accidental Injury or Fatality
If there is a accidental injury or fatality, coverage in the amount of $10,000 is available to you immediately.
There is compensation up to $5,000 should you become ill and cannot complete your studies to pass the course.
Many major credit cards now include a certain amount of travel insurance. Check on their website for more information on that coverage. If you have a benefits policy at work, you may already have coverage You may not be aware of this, but some employee benefit packages also come with limited medical coverage while traveling.
However, most of the ‘no added cost’ benefits such as those with credit cards are quite strictly limited and won’t be anywhere close to a comprehensive travel insurance policy.
Visit insurancemarket.ae for quick and easy travel insurance policies whether for annual business travel, a short vacation or a Schengen visa requirement. We can also cover your valuable personal belongings while you are abroad.