Help!
No one wants to become ill at home, much less on holiday. But emergencies of all sorts do occur, and it is best to prepared. Today we’ll look at some travel insurance options.
There are a variety of ways to purchase travel insurance; as well as different types. First, where do you get it? If you have home owner’s insurance, there may be a clause in your policy that covers travel. If not, you can contact the company and see if this is a service they offer. When you purchase an airline ticket online, you are often asked if you’d like travel insurance added on. Your car insurance may also cover you, and if you plan on renting a car, you should investigate what, if anything, may be covered for overseas car rentals. Some credit card companies also offer travel insurance.
There are also companies that specifically sell travel insurance policies. You can purchase a per-trip or annual policy. Some things to look out for when purchasing insurance is exactly what is, and is not covered, as well as what you have to do to file a claim and be reimbursed. Most important is to ensure you have cancellation coverage. This is necessary in case you become ill or there is a family emergency and can no longer travel. Check to see if the coverage you are buying is secondary or primary. If it is secondary (which most are) this means the insurance company will only pay what you can’t claim from another source. Primary costs more, but it is usually worth it.
You should also speak with your health insurance company to find out what type of health coverage you will have abroad. And if you need to purchase something, make sure it includes emergency evacuation home. Also check to see if there are any rules regarding pre-existing medical conditions.
Be sure to read the fine print before you buy travel insurance, not after. And if you are in a situation in which you need help? The European Union wide “911” number is “112.”
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