5 Tips on Finding Cheap Travel Health Insurance

 

Are you looking forward to visiting a foreign country soon? Are you wondering whether or not your health insurance plans cover this type of travel?

"Travel health insurance" is designed to cover you in case of an emergency abroad. If you are traveling outside the United States, play online casino games your plan should include basic coverage such as hospital stays, surgery, ambulance services, prescriptions, and preventive care. 

Getting Affordable Travel Insurance

Tip1: Find out if you need a new policy before you leave.

If you already have health insurance, it's smart to review your existing plan for any changes that might affect you while away from home. But it's also wise to check with your insurer to find out if you need to purchase a "travel policy." These plans can get expensive fast. 

Tip2: Make sure you understand your plan's cancellation and claim policies.

In some cases, you're able to cancel your current policy without incurring any penalties. However, you may be required to pay back premiums if you decide to keep a different policy after leaving the U.S. Some types of benefits require you to wait 90 days (or another period) after leaving the U. S. before making a claim. 

Tip3: Get quotes directly from at least three companies.

You'll likely get more coverage by buying multiple policies than you would from just one company. Also, comparison shopping can help ensure that you have enough coverage. The average premium for a traveller’s policy ranges between US$85-$250 per person per year.

Tip4: Understand all your options -- including short-term vs. long-term plans.

You can usually buy a short-term plan for about $100 per month, pokies online, which covers only things like pre-existing conditions, lost work time, and emergency dental care. Longer-term policies normally cost less and offer broader coverage but generally don't include dental and vision. 

Tips5: Don't put off getting covered until the very last minute.

Some hospitals will extend an extended stay to patients who haven't been seen within 60 days, but you'll have to pay extra for the privilege. So, even though your plan could easily cover you until then, you shouldn't risk being stuck overseas without payment.

 

Final Verdict 

A good policy package ensures you have real money set aside in case of emergencies abroad, and you won't have to worry about spending hundreds of dollars when something unexpected happens. But you should consider other factors, too, such as how much you spend on medical treatment versus what you'd pay for travel expenses...