It can be an exhilarating experience traveling to another land but many a times unforeseen events are overlooked and the carefree traveler simply forgets to protect himself for such eventualities. Different emergencies can arise, like a medical emergency, visit to the doctor, cancellation of the flight, losing baggage etc. for which travel insurance is necessary.
As far as loss of baggage due to theft is concerned, an individual can be covered who uses a credit card for booking tickets. In such a case, additional insurance will not be required. Even if you are embarking on a short trip it is best to have trip cancellation insurance cover as there could be nothing worse, than not be able to afford to get back that ticket money due to lack of insurance.
Why is traveler insurance so necessary?
There could be many unforeseen expenses on an international trip.
1:- Accidents, medical emergencies, drug prescriptions and many other costs could bring on unforeseen expenses.
2:- In a number of countries international health insurance is provided to those travelers who are less than 75 years of age, where for an additional premium the dependents, if eligible and the spouse can also get covered.
3:- If a person returns home by cutting short of his vacation, this international travel insurance benefit with refunds, provide the submitted travel itinerary is not fixed.
4:- A group travel insurance policy can be applied for if the person has a pre-existing health condition. Coverage under a group health insurance plan can be obtained when an individual is refused an individual health insurance plan.
In case of medical complications, rehabilitation, dismemberment coverage, cost of ambulance, home nursing etc. medical help is made available for an additional premium to the international traveler under worldwide travel insurance. The cost of medical treatment is high in a number of countries. Quality medical care may not be available in a third world country and the individual may need emergency evacuation facility. The travel insurance coverage takes care of that. It also addresses prescription drugs for an additional premium. During an overseas travel, a person feels comforted when he knows that he can afford the drugs even in the alien land. The destination of travel determines the need for these drugs.
Medication is very costly in developed countries, which becomes unaffordable for the traveler sometimes. Worldwide travel insurance coverage may not be necessary in countries where health care is the responsibility of the government. Then in this case, since most of the medicines are available at subsidized costs, this kind of coverage may not be necessary.
For women who intend to give birth in a foreign country, a maternity coverage is very important. Before filing a claim, the woman would have to wait for a year at least, which means, that at the time of getting her policy upgraded to include coverage of maternity insurance, she should not be pregnant. The age of the would-be mother will determine the amount of premium. A higher premium would result with medical complications. International travel insurance plans can be extended to a number of other medical services.