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 policy is valid for up to one year. Some companies also provide add-ons such as watersports or adventurous activities.
When buying long-term travel insurance, it's important to read the fine print carefully so you know exactly what your policy will and won't cover. You may not get coverage if you already have a medical condition. So, make sure you disclose this when you apply.
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. This option can be purchased as a stand-alone product or as a rider on a comprehensive policy.
You should purchase an emergency medical and evacuation policy if you have a chronic condition or injury. If you are injured or ill while on vacation, this will cover the cost of transportation to a hospital.
Some companies will also reimburse you for flight changes that occur because of a delay in your schedule, such as if you miss a connection or need to wait for a delayed flight. These types of insurance can be very useful for travelers who frequently change their schedules.
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. However, many policies come with a high deductible, so you'll want to shop around for the lowest rate possible.
When it comes to purchasing a travel health insurance policy, it's important to choose a provider that offers a high level of customer service and is reputable. This will allow you to feel confident in your decision.
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 is a trusted name for travel health insurance, providing global coverage each year to millions of individuals.
In order to avoid costly medical expenses, you should purchase a travel insurance policy. You also want to be covered in case of illness or accident abroad. Many policies include a 24-hour medical hotline which will help you contact a doctor in case you are ill.
The policy may include additional benefits such as emergency treatment and coverage for 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.