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SpinDistribute.com Article Directory

The following article was published in our article directory on October 25, 2012.
Learn more about SpinDistribute Article Distribution System.

The Characteristics of Travel Health Insurance

Article Category: Travel

Author Name: Jeff Desrochers

Travel health insurance is a specific type of insurance for travelers that answers for expenses relevant to the health of the traveler. The idea is to allow the traveler to conduct business or pursue leisure without the need to worry about any event that may arise that will affect his health when he is away from his home country. This article will discuss several aspects of this type of insurance for the benefit of the reader.

Travel Health Insurance: Coverage

Simply put, the coverage of the travel insurance policy details all the events that will be paid for by the insurer. The complete list is found on the policy contract that is attached to the certificate of cover. It is important that you pay close attention to what acts or omissions will allow the insurer to escape liability. If you plan on committing acts in violation of the insurance policy or omitting to act with proper or due diligence, then better not take out any insurance at all. The most common type of coverage includes but is not limited to:
- Ambulance expense
- Hospitalization expense
- Emergency room expense
- Medicine
- Necessary procedures
- Elective procedures
- Rehabilitation expense
- Travel Health Insurance: Optional Coverage

The insurer usually has an "insurance package" that already includes the most common benefits availed of by their clients. It is up to you to determine if that "package" is to your liking and suitable for your purposes. For example, if you are going to travel to a locality or country with high incidence of snake bites, dog bites, tetanus, etc. then you need to inquire if the vaccine for the same is covered by your travel insurance. If not, then you need to request for additional optional coverage. Here is the trick, in most cases the insurer will say yes, but will require an additional fee. Try to do away with paying more by dropping coverage for risks that you are most likely not to face.

Travel Health Insurance: Timeframe

Pay special attention to the length of time within which you are covered, especially the specific point in time when coverage starts and when coverage ends. Infrequent travelers usually opt for a "per travel" or "for a specific period of time" type of insurance. While frequent travelers may want to opt for a multi -trip policy or one that is effective for a specific duration irrespective of where you travel and how many times you travel.

Travel Health Insurance: Limits

In most cases, the amount that the insurer will assume is limited on a "per incident" and a total amount of coverage. If you want to increase the maximum amount, then you need to pay higher premiums. The reverse is also true. Another option is to bargain away other covered risks or to request more coverage to offset the increase or decrease of the limits.

In Closing

Every aspect of insurance is negotiable. However, it is not always the case that the insurer will negotiate. This is where perseverance as well as proper selection of insurer comes in. Remember, a little bit extra diligence in research and a little bit of effort to negotiate for better terms can save you hundreds if not thousands of dollars.

Keywords: Travel Insurance, snowbird insurance, affordable, travel health insurance

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