Change Your Misconceptions about Travel Medical Insurance
Read through this article to change your misconceptions about travel medical insurance. Many travelers choose to proceed with their trips without having the protection provided by a good travel medical insurance. This is because many travelers think that getting an insurance is nothing but an extra expense and that claiming the benefits of the insured is as hard as finding a needle in a haystack. However the reality is, there are many risks that come with travelling and these risks must be covered by a proper travel medical insurance to lessen the possible medical expenses and instead increase the protection of the traveler. This article shall answer common misconceptions about travel medical insurance and shall hopefully shed some light to clear out common concerns of travelers.
Change Your Misconceptions about Travel Medical Insurance – The Common Misconceptions
There are several common false impressions about travel medical insurance. While all these false impressions have valid points, these false impressions just need to be broken down in order to change your misconceptions about travel medical insurance.
First Misconception: Travel Medical Insurance companies are swindles.
Many travelers think that insurance companies that offer insurance policies just do so to gain profit and not to protect the insured. This common misconception is, of course, not true. Millions of insured travelers each year benefit from their travel medical insurance policies. From travel accidents to medical illness, travel medical insurance gives enough protection to those who are insured. Getting the right coverage will also protect you from any medical emergencies while traveling abroad. The next time you travel, make sure to contact a reliable insurance company and meet with the agent to ensure that you get the right protection and the right amount of coverage.
Second Misconception: Health insurance is the same as travel medical insurance.
Many travelers think that since they have health insurance (either from their employer or the government) they are already covered anywhere around the globe. That is not true. Local health insurance usually applies full health coverage in the country of origin and not abroad. If such health insurance have medical coverage abroad, it is very minimal and limited. Minimal, meaning the financial coverage is not enough to pay for a medical emergency. Limited, meaning not all medical emergencies are included and accepted in the policy. To clear out any other queries, meet with your local health insurance provider prior to traveling abroad to know the extent of your protection.
Third Misconception: Travel medical insurance does not cover my pre-existing medical condition.
Many travelers who refuse to get travel medical insurance refuse to do so because they have pre-existing medical conditions. They think that pre-existing conditions are exempted from travel medical insurance coverage. That is also not true. Although, many insurance coverage are strict with pre-existing medical conditions, it does not mean that it cannot be covered. Travelers who have pre-existing medical conditions should all the more insure themselves because of the higher medical risks. Before getting travel medical insurance, inform the travel agent of your pre-existing medical conditions and do be clear that you want these pre-existing conditions to be covered in your insurance policy. Yes, your insurance fee may be dearer than regular, already-made travel medical insurance but at least you are safe and protected.
Fourth Misconception: Insurance companies refuse to refund my medical expenses abroad.
Many say that their travel medical insurance refuse to cover their medical emergencies even if they have paid for it. This accusation will only be true if the cause of the medical emergency is due to irresponsible acts. For example, a traveler who ends up in an emergency room due to a vehicular accident caused by over the limit alcohol consumption will not be covered by any travel medical insurance. Or if an injury is caused by extreme sports like parkour, skydiving, canyoneering, or the like, then more likely the travel medical insurance will not cover the expenses. However, if the medical emergency is caused by an illness like dengue, food poisoning, etc. then the travel medical insurance will cover the expense. How insurance have saved lives from these real stories about the benefits of travel medical insurance.
Don’t be discouraged if you are an extreme sport aficionado because insurance companies can of course extend medical emergency coverage to meet your needs. Again, since your activities are high-risks, your insurance coverage fee will be steeper than the regular kind of policy. Let your insurance agent know the kind of activities that you plan to do during your trip and be clear that you want to be insured in case emergencies arise due to those activities.
Fifth Misconception: Nothing has ever happened to me abroad, so I do not need travel medical insurance.
Lucky you! But until when is your luck going to stay with you? Relying on luck is not enough to keep you from any medical emergencies while traveling abroad. No matter how careful you are or how mundane your travel activities are, you still cannot guarantee that nothing is going to happen to you during your trip. To stay in control of every and any situation, it is best to secure travel medical insurance from a reliable travel medical insurance company. Traveling with insurance gives a certain peace of mind for you and your beneficiaries, so if in case something happens to you, you have your insurance to cover your medical costs.
Change Your Misconceptions about Travel Medical Insurance – Travel Safe, Get Insured
Remove all your doubts and change your misconceptions about travel medical insurance. Travel with a safety net and get a travel medical insurance so you have something to turn to in case you have a medical emergency while traveling abroad. Before securing a travel medical insurance policy, discuss with your insurance agent what your medical condition is, the activities that you plan to do, and what medical coverage you expect to receive so that all your insurance bases are covered. Just make sure that you acquire travel medical insurance from a dependable company. If you need further assistance to acquire a visa, you may contact us through our website or leave us a message via WhatsApp (+2015548735).
Change your misconceptions about travel medical insurance, get insured, and travel with peace of mind.
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