Travellers Health Insurance: Everything You Need to Know

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Travelling to a new and exciting destination is a great way to ditch the everyday grind and create unforgettable memories. However, while you’re planning your trip, don’t forget to also consider your health needs. In case of any medical emergency during your travels, travellers health insurance can be a lifesaver. In this article, we’ll cover everything you need to know about travellers health insurance, so that you can be well-informed and well-protected on your next adventure.

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What is Travellers Health Insurance?

Travellers health insurance, also known as travel medical insurance, is a type of insurance that typically covers medical expenses, emergency medical treatment, and evacuation services while travelling internationally. This insurance can be purchased as a standalone policy or added as an extension to a regular travel insurance policy.

Travellers health insurance provides coverage for unexpected medical events such as accidents, illnesses, or injuries while travelling overseas. This type of insurance can also provide coverage for unexpected medical evacuation or repatriation, if needed.

Who Needs Travellers Health Insurance?

Anyone travelling abroad, whether for business or pleasure, can potentially benefit from travellers health insurance. However, it’s especially important for those who:

  • Plan to travel to a country with a high risk of injury or disease
  • Are pregnant
  • Have pre-existing medical conditions
  • Are senior citizens
  • Participate in extreme sports or dangerous activities

What Does Travellers Health Insurance Cover?

Travellers health insurance typically covers medical expenses related to any unexpected illness, injury, or accident that occurs while travelling. This can include, but is not limited to:

  • Hospitalization
  • Emergency medical treatment
  • Diagnostic tests
  • Prescription drugs
  • Medical evacuation or repatriation

The amount of coverage and the specific benefits can vary depending on the policy and the destination. For example, some policies may cover emergency dental treatment, while others may not.

What is Not Covered by Travellers Health Insurance?

While travellers health insurance can provide peace of mind, it’s important to understand what is not covered by the policy. Typically, the following are not covered:

  • Pre-existing medical conditions
  • Elective treatments or procedures
  • Medical treatment related to alcohol or drug abuse
  • Injuries sustained while participating in illegal activities
  • Non-medical expenses such as trip cancellation or lost luggage

How to Buy Travellers Health Insurance

Buying travellers health insurance is simple and easy. You can buy insurance through an insurance agent, a travel agency, or directly from an insurance provider. The cost of insurance depends on various factors, such as the length of your trip, your age, and the destination you’re travelling to. Before purchasing, it’s important to read the policy carefully and understand what is covered and what is not.

Factors to Consider When Buying Travellers Health Insurance

When choosing a travellers health insurance policy, consider the following factors:

  • Coverage: Make sure the policy covers the medical expenses you need and the specific activities you plan to participate in.
  • Price: Compare the prices of different policies and choose the one that fits your budget.
  • Destination: Choose a policy that provides coverage in the destination you’re travelling to.
  • Exclusions: Read the policy carefully to understand what is not covered and what the deductibles and copayments are.

FAQ

Question
Answer
Is travellers health insurance mandatory?
Travellers health insurance is not mandatory, but it’s highly recommended, especially for those travelling internationally. It provides a safety net in case of unexpected medical emergencies.
Can I purchase travellers health insurance for a specific activity?
Yes, some insurance providers offer coverage for specific activities such as skiing or scuba diving. Make sure to read the policy carefully and choose a policy that covers the activities you plan to participate in.
Can I purchase travellers health insurance after I’ve started my trip?
It’s possible to purchase travel insurance after you’ve started your trip, but it’s always best to purchase it before you leave. Some insurers may not provide coverage if you purchase insurance after you’ve already left.
What if I have a pre-existing medical condition?
Travellers health insurance may not cover pre-existing medical conditions. If you have a pre-existing condition, make sure to disclose it when purchasing insurance and read the policy carefully to understand the coverage.
What if I need medical treatment while travelling?
If you need medical treatment while travelling, contact your insurance provider as soon as possible. Many insurance providers offer 24/7 emergency assistance and can help you find a medical provider in your area.

Conclusion

Travellers health insurance is an important consideration for anyone travelling abroad. It can provide peace of mind in case of unexpected medical emergencies and ensures that you get the medical treatment you need, no matter where you are in the world. When choosing a policy, make sure to read the policy carefully, compare prices and coverage, and choose a policy that fits your needs and budget. With travellers health insurance, you can travel with confidence and enjoy your destination to the fullest.

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