Long-term insurance is ideal if you plan to travel abroad more than one month. This includes backpackers and digital Nomads. This type of insurance covers you up to 18 months. Many companies offer additional coverage such as adventurous activities, watersports, or cruises.
You should read all the fine print before purchasing travel insurance for a long period of time. That way, you will know what's covered and what's not. For example, if you have a pre-existing medical condition, it may not be covered, so make sure to disclose it when you apply for coverage.
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. This option can be purchased as a stand-alone product or as a rider on 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. These types of insurance can be very useful for travelers who frequently change their schedules.
It is a good idea for you to choose a plan with a small deductible. This way, in case of emergency, you will not have to pay any extra expenses. Many policies have a high deductible. You'll need to shop around and find the best rate.
If you're looking to purchase a travel medical insurance policy, make sure to choose a provider with a good reputation and a high standard of customer care. This will give confidence to your decision and allow you to receive the necessary care if an emergency occurs while you are travelling.
For example, Allianz has been the industry leader for over 55 years and is backed by the financial strength of its parent company, Allianz SE. It's the trusted name when it comes to travel health coverage, which provides worldwide coverage for millions each year.
In order to avoid costly medical expenses, you should purchase a travel insurance policy. You also want to be covered in case of illness or accident abroad. These policies often include a 24-hour emergency hotline that can connect you with a doctor or attorney if you fall ill abroad.
It may also include coverage for other services, like emergency medical treatment and the return of mortal remain. It's best to speak to a travel health insurance specialist who can guide and advise you on the most appropriate policy.