08 Mar 2008 04:45:14 | Johnny Mangiante
Buying travel health insurance can be a complex task. There are
so many different plans - each with different benefits and
restrictions.
It is important to shop wisely for trip insurance. Many people
buy coverage that seems inexpensive only to find out that they
are not adequately covered when a medical emergency occurs.
Below are a few key questions you should ask your insurance
provider before purchasing trip insurance:
•What is not covered by the policy? Insurance companies call
these "exclusions," and every policy has them. •Are there
specific exclusions relating to sports or other activities?
•Does the plan have a deductible that you must pay each time you
file a claim? •Does the plan deny benefits if your medical
emergency arises because of a "pre-existing condition or health
problem”?
Knowing the answers to these questions can help you avoid
unpleasant surprises when you make a claim. Make sure you
understand exactly what your trip insurance plan covers. When in
doubt, call your insurer. A reputable insurance company can give
you straight answers to your questions. Most offer toll free
numbers so you can call them directly from wherever you are.
If you find that a plan has too many restrictions and
complications, or that your questions are not being answered
satisfactorily, do not hesitate to look somewhere else.
A comprehensive travel health insurance plan usually covers the
following emergency medical expenses:
•Hospital accommodations •Medical bills such as those for a
physician, surgeon, and anesthetist •Ambulances •Diagnostic
services such as laboratory tests and x-rays •Private registered
nurses •Medical aids such as slings or splints, and the
temporary rental of wheelchairs or walkers •Prescription drugs
•Cost of returning a deceased back home
Remember that when it comes to insurance, you get what you pay
for. When shopping around for trip insurance, it is important to
keep in mind that not all insurance policies are alike. Be aware
of minor price variations between insurance companies (the
cheapest may not be the best company to deal with when you have
a claim.)
About Author :
Johnny Mangiante is an online journalist. He is also the editor
and webmaster for many websites. For more information see Travel Medical Insurance
for Visitors to Canada.
