When it comes to insuring you and your loved ones before an important or enjoyable trip, choosing the right provider couldn’t be more important.
- Travel Medical InsuranceAlex E. Proimos / Foter.com / CC BY-NC
The chance to compare and contrast the policies that they offer as well as the prices they charge can mean the difference between a stress-filled and relaxing break. International medical insurance is available in so many different forms and from such a variety of providers that it can take a long time just to know what options are open to you.
With the right approach and a patient attitude you can find the best policy for you and your fellow travellers and here are some top things to look for.
Any specific traveller requirements
Discussing the available policies with each individual company is often the best approach to learn how well the options available suit you and your circumstances. Don’t forget to ask those you are travelling with about their specific requirements so that you can get an accurate picture of how much the overall plan is likely to cost.
Where you need solo cover or joint
If you are not part of a family but are travelling as part of a company, business group or simply with friends, it may be better to pay for insurance collectively as it often works out much cheaper. However, this will depend on the nature of the medical conditions of each member of the group and their susceptibility to certain illnesses or adaptability to different climates.
Are you already covered?
If you are insured with a certain medical company at home your best option may be to ask them about their overseas insurance as you are likely to benefit from generous discounts as an existing customer. For those who do not have private medical insurance at home the choice can be very confusing, largely due to the way in which many companies present their policies.
Is your destination covered?
Even when simplified in this manner, it can still be difficult to come to a final decision. It is made much easier by discussing it with your family and friends as well as your doctor. It may sound obvious but it’s also crucial to make sure that the provider you’ve chosen actually operates in the country you’re visiting before you leave. If you’re in the habit of visiting obscure locations off the beaten track, this is doubly true.
American Express has a good health insurance plan that offers full coverage for emergency medical treatments with low deductibles for just $10/month (when bought as a 12 month plan).