Long-term travel insurance is ideal for people who plan to travel abroad for more than a month, such as backpackers or digital nomads. This type of insurance covers you up to 18 months. Many companies offer additional coverage such as adventurous activities, watersports, or cruises.
It's vital to carefully read the fine print when purchasing long-term travel coverage. This will help you understand what is and isn't covered. It may not cover a pre-existing condition. Make sure to tell the insurance company about it.
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. You can purchase this option as a stand alone product or as part of a comprehensive policy.
You should purchase an emergency medical and evacuation policy if you have a chronic condition or injury. The policy will cover your transportation costs if you fall ill or are injured while travelling.
Some companies reimburse you if your flight is delayed or you need to wait. This coverage is ideal for long-term travellers who constantly change their plans.
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. Most policies will have a higher deductible. Shop around to find the lowest price.
It's crucial to select a reputable provider when purchasing travel health insurance. They should offer a high-level of customer service. It will help you feel confident about your decision, and you'll be able get the treatment you need in an emergency.
Allianz is the leader in the industry and has been for over 55 year. This is due to the financial strength that Allianz SE, its parent company, possesses. It's a trusted name in travel health insurance that provides global coverage for millions of individuals each year.
A travel medical policy is purchased primarily to avoid paying expensive out-of pocket medical expenses in the case of an injury or illness while on vacation, as well as to protect yourself from becoming sick or hurt abroad. These policies often include a 24-hour emergency hotline that can connect you with a doctor or attorney if you fall ill abroad.
You may be able to get other benefits, such as coverage for emergency medical treatment or return of mortal remains. You should consult a travel insurance specialist to determine the type of coverage you require. They can help you navigate the process and suggest the best policy.