No one plans on getting sick or having an accident while visiting another country. And if you are lucky it won’t happen to you. You’ll have a wonderful vacation or a successful business trip and return home no worse for the wear. But if you do end up sick or being involved in an accident, the cost of treatment, hospital visits and medication can be astronomical. But if you’ve purchase visitor insurance then you’ll be covered in the case of any illness or mishaps while traveling.
When traveling, the last thing you need to worry about is getting sick and ending up with a huge medical bill. With travel insurance, this won’t happen. You’ll be able to be seen by a doctor and treated with minimal cost to you. And while you can go see whatever doctor you want, the insurance company that you choose to go with may have a working relationship with a Preferred Provider Organization (PPO). What this means is that if you get sick or injured and you go to one of the doctors or facilities in your insurance company’s PPO, you’ll spend even less money out of pocket.
In case you are thinking that applying for visitor insurance is too much of a hassle, here’s the thing: you can hop online, find a company that offers the insurance that you want, and apply online. There’s no need for a medical exam, and as soon as you fill out the online application, you’re emailed a virtual ID card and within the week the insurance company will mail your official documents. It’s really that easy. And while you can apply for insurance once you’ve already started traveling, it’s much, much easier to do so before you set foot on foreign soil. And that way you’re protected from the moment you start traveling. If you wait until you’re on your way you could get sick or hurt before you get a chance to get your insurance.
The minimum amount of visitor insurance that you can purchase is for five days. Most insurance companies have a maximum of 12 months. Regardless of how much insurance you get and for how long, you may have the option of extending it, depending on the insurance you purchased and your insurance provider. If you are unsure of how long you are going to be traveling, make sure that you check into possible insurance extensions before you travel. You don’t want your insurance to run out before your vacation or business trip is over.
Not everything is covered by travel insurance. Most pre-existing conditions aren’t covered by medical insurance when traveling, and some other illnesses or conditions may also not be covered. If you have any concerns about what is or isn’t covered, the insurance company should have a toll-free customer service number or information on their website.