Long-term coverage is best for backpackers or digital nomadic people who will be traveling abroad for a period longer than one month. This type of policy covers you for up to 18 months, and many companies offer add-ons that can cover adventurous activities or watersports, as well as cruises.
It's vital to carefully read the fine print when purchasing long-term travel coverage. This will help you understand what is and isn't covered. You may not get coverage if you already have a medical condition. So, make sure you disclose this when you apply.
You can also opt for cancel-for-any-reason (CFAR) coverage, which will reimburse you a percentage of your trip costs if you have to cancel your trip due to an approved reason such as an illness or death in the family. You can purchase this option as a stand alone product or as part of a comprehensive policy.
If you are ill or injured and have a long-term condition, you should consider purchasing a plan that includes emergency medical evacuation. If you are injured or ill while on vacation, this will cover the cost of transportation to a hospital.
Some companies offer reimbursement for changes in flight plans that are caused by a schedule delay, such as missing a connection flight or having to wait. This kind of coverage can be useful for long-term travelers who are constantly changing their plans.
It's a good idea to buy a policy with a low deductible, so you don't have to worry about paying any out-of-pocket expenses in the event of an emergency. However, many policies come with a high deductible, so you'll want to shop around for the lowest rate possible.
It's crucial to select a reputable provider when purchasing travel health insurance. They should offer a high-level of customer service. You will feel more confident in your choice and be able to get the medical care you need should you experience an emergency.
Allianz SE's parent company is Allianz SE and it has been a leader in this industry for 55 years. It is the most trusted name in travel insurance and provides coverage to millions every year.
The most common reasons to buy a travel medical insurance policy are to avoid expensive out-of-pocket medical expenses in case of an accident or sickness while traveling, and to be protected from the risk of becoming sick or injured while abroad. These policies often include a 24-hour emergency hotline that can connect you with a doctor or attorney if you fall ill abroad.
If you select the right policy, it could also cover other benefits like emergency medical care and return of mortal ashes. For help deciding what kind of coverage is best for you, you can speak with a travel insurance broker. They will guide you through the process as well as recommend a policy that suits your needs.