Always check the medical cover of your travel insurance

Before buying a special medical insurance policy for your travel, check with your medical insurer — you might already be covered by your existing health plan. Ask about benefit caps and deductibles (if any), and have them guide you through the procedure. Generally, your expenses are out-of-pocket, and you bring home documentation to be reimbursed. In some cases, you may have to contact your insurer for approval before seeking medical help. While many insurers cover you overseas, but others like Medicare do not. Most additional coverage you buy is supplemental (or “secondary”), so it covers whatever expenses your primary coverage doesn’t.

Travel medical insurance generally covers only “emergencies.” If this is the case, ask what happens after you are moved from the ER to a recovery room. The hospital will typically work directly with your insurer on billing, while a quick visit to a doctor will more likely be an out-of-pocket expense (you’ll bring home documentation to be reimbursed). In some cases, you may have to contact your insurer for approval before seeking medical help.

Many pre-existing conditions are covered by medical and trip-cancellation coverage, depending on when you buy the coverage and how recently you’ve been treated for the condition. Check with your agent or insurer before you commit.

Lastly, be aware that if you are travelling to one of the countries listed in travel warning by your country’s health department, your cancellation and medical insurance will likely not be guaranteed — unless you buy supplemental coverage.

10 brilliant tips for buying travel insurance
Most of us would choose to take the easy option and buy the travel insurance package offered by our tour operator, or from airline website a...
8 basic questions to ask before you choose your perfect travel insurance package
When booking your travel insurance, ask yourself: 1. Are you booking the recommended level of cover for your destination? 2. Are you c...
Health Care Travel Insurance Puzzle Demystified
Healthcare is perhaps the most confusing area in purchasing travel insurance. Most people think they are covered if they already have existi...
Travel Insurance on Terrorism
Read your travel insurance policy wording carefully. If a war breaks out, or there is a terrorist act occurring during your trip, are there ...
How Not to Use Your Travel Insurance
Even though you may have purchased a complete travel insurance package, it is still important to make sure that you take care of your posses...
Volcanic disruption: Are You Covered by Your Travel Insurance?
Volcanic ash disruption may pose confusion to travellers who have been affected. The common puzzle is what they can rightfully claim from th...
Declaring Before Purchasing
BEFORE PURCHASING If you have any pre-existing medical conditions, then the rules for acquiring travel insurance are altered. In terms of...
The Tell Tale of Travel Insurance Gone WRONG
There was a story about an Australian living and working in Thailand who accidentally let his travel medical insurance lapse. One morning, h...
When It Comes to Terrorism, TFG Global Travel Insurance Is Your Answer
If you are making plans for a trip abroad, you know you need to make sure that you get travel insurance to cover you during that trip. You s...
Common mistakes when travelling abroad (Part 2)
Here are some other common mistakes that you might want to avoid when you are wandering the globe! 6.     Sticking to the tourist trail ...
Tackling The Argentinian Risks with Good Travel Insurance
As the eighth largest country in the world, Argentina is host to the highest and lowest point in South America. At 6960 m, Cerro Aconcagua i...
Good Travel Insurance for Travellers Over 65
It is indeed unfortunate that as your 65th  birthday comes, less and less insurance companies will be willing to offer you a good travel ins...

Sorry, comments are closed for this post.