Many people have different types of insurance that they depend on to cover them if something were to go wrong. These insurance policies include home insurance, car insurance and much more. Medical travel insurance (a term used for travel insurance which will cover for certain health issues) is a type of insurance that people who suffer from pre-existing medical conditions should purchase if they are planning on leaving the country for an extended period of time. Keep reading to find out more.
It Covers Your Travel
The most obvious difference between medical travel insurance and other types of insurance is the fact that it covers you if you are leaving the country. Many types of insurance such as home insurance won’t cover your possessions if you are in a different country and this can be risky. As an example, you can easily get your hands on a reasonable medical travel insurance policy that will protect you from anything that might happen while you are travelling with a pre-existing medical condition.
It Comes With Benefits
When you purchase a specific medical travel insurance policy, you will get to benefit from a lot of the extras that come along with your policy. Without this type of insurance on top of your other policies, you won’t be able to make a claim on a cancelled trip or lost baggage. Not only will your medical bills be covered but so will many other elements of the trip. Medical travel insurance is always worth it because of these amazing benefits that you may not get from other types of policies (depending on the provider).
It Covers Your Medical Bills
If you live in the UK, then you will find that your medical bills are covered by the NHS meaning that you don’t need to have any sort of medical insurance to get the help you need. Of course, this only applies if you are in the UK when you fall ill and if you are travelling then you might be in big trouble. This is where medical travel insurance comes in handy as your hospital bills abroad should be covered by your insurer. These medical bills can be extremely expensive and if you don’t have any sort of insurance then you’ll have to pay them upfront.
You Can Pay Per Trip
The final way that medical travel insurance is different from other types of insurance is that you can actually pay per trip. When you buy home insurance or car insurance, you are normally covering yourself for a full year even though you might not drive your car in this time or make any claims. It is possible to pay for annual travel insurance but if you are only going on one trip in one year then it is more beneficial to buy some single-trip insurance. This means that the cost will be a lot lower and you won’t need to worry about overspending.
There are lots of different types of insurance that we are advised to buy but it can be quite difficult to see why we need each one. Medical travel insurance is different from other commonly found domestic types of insurance because it covers your travel to other countries and any medical bills that you might encounter when you are there. Other differences include the benefits that you get from medical travel insurance such as cover if your trip gets cancelled or you lose your bag. Make sure if you are suffering from a pre-existing condition to always buy your medical travel insurance as soon as you book your trip if you want to be covered.