Travel health insurance policies offer such a broad range of coverage options, it would be impossible to outline every possible benefit in one short article. But there are some broad choices that travelers should consider before even thinking about the smaller details of coverage. Here is an overview of some of those options:
Short- or long-term coverage: Travel health insurance can offer protection for a short, 5-day trip, or it can offer you coverage for trips taken over several years. If you are planning on taking an extremely long vacation or you think you may take several short vacations over the course of a year or more, then a long-term option might be a good choice for you, On the other hand, if you plan on just taking one short trip of a lifetime, the short-term options can fit your needs perfectly. Premiums will also vary depending on which option you choose, so be sure to consider that as well.
MISSIONS TRIPS
Number of trips annually: Rather than covering an indefinite number of trips over a pre-determined time period, some travel health insurance policies can provide coverage for a fixed number of trips over a certain term. If you plan a number of mission trips over one time period or have a business need to travel and can coordinate all your meetings into a predetermined number of trips, this might be a great option to check out.
Global or location specific: You can buy a policy that offers global coverage for travel or one which is location or region specific. You can even buy warzone insurance that protects you in the event you travel to a location with some political unrest or that is currently defined as a warzone.
Accidental death and dismemberment: Travel health insurance policies cover medical treatments for accidents and injuries, of course, but they can also provide financial benefits when you suffer an accidental death or dismemberment while traveling.
Specialized emergency services: The nature of any health insurance policy is to provide emergency medical services, but travel health insurance can also be structured to provide benefits for other emergency situations like medical evacuation, emergency reunion, and return of mortal remains. You can also include trip interruption, political evacuation and lost luggage benefits.
In addition to the very flexible time frames and benefits listed above, travel health policies can be designed with limits and deductibles that ensure you can afford the premiums and still get the substantial financial protections that an insurance policy should give.
Overview of Travel Health Insurance Options MISSIONS TRIPS
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