Articles From Experts
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Express Newsline Articles From Experts |
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Whenever you have to buy a travel insurance policy its important that you scrutinize the policy itself, especially what is not covered in the policy, as you don’t want to have another piece of shock at the time when the insurance is needed. The crucial thing is to search the policy itself. You want to pay closest attention to the schedule of coverage or outline of benefits, which will say what is covered and at what level. Look for a policy that includes: · Treatment for emergencies AND illnesses. Some plans also feature a small benefit (say $100) for dental emergencies.· Emergency medical evacuation.· Trip interruption (which usually only covers you in case of the death of an immediate family member or damage to your primary home).· Policies with small deductibles ($100 or $250) and co-pays (most international insurance pays 100 percent of medical costs).Buyer beware of the following out-of-pocket costs and exceptions: · Shop around for the best rate, first of all. Many comparable plans have a wide range in costs.· Watch out for low rates in exchange for crazy deductibles of $1,000 or $2,500.· Know that maternity treatment and childbirth is rarely covered.· Routine vaccinations and preventative treatment is rarely covered.· Pre-existing conditions, basically anything you have been treated for before or should have known existed before, is rarely covered. Some policies do, however, allow some coverage (usually around $2,500) for the sudden recurrence of a pre-existing condition.· Most won't cover injuries sustained while drunk or on drugs.· If you are getting longer-term insurance for an extended stay overseas, check to find out whether you will be covered if you return to the U.S. for a visit. Some policies require that you purchase that extra when you start your policy period.
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