People who travel for a longer period of time, such as digital nomads or backpackers, will benefit from long-term travel insurance. This type of insurance covers you up to 18 months. Many companies offer additional coverage such as adventurous activities, watersports, or cruises.
You should read all the fine print before purchasing travel insurance for a long period of time. That way, you will know what's covered and what's not. If you have an existing medical condition, you may not be covered. Be sure to mention it 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 can be purchased either as a standalone product or as an add-on to a comprehensive insurance policy.
If you suffer from chronic illness or have been injured, it is best to get a policy which offers evacuation and emergency medical coverage. The policy will cover your transportation costs if you fall ill or are injured while travelling.
Some companies will reimburse you for any changes to your itinerary that result from a delay. For example, if you have missed a flight connection or are waiting for one that is delayed. This type of coverage is useful for frequent travelers who change their plans frequently.
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. Many policies have a high deductible. You'll need to shop around and find the best rate.
You should choose a company that has a reputation for providing excellent 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 is a trusted name for travel health insurance, providing global coverage each year to millions of individuals.
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. This coverage often includes a 24-hour hotline, which can help you connect with a doctor or lawyer if you become ill while abroad.
The policy may include additional benefits such as emergency treatment and coverage for return of mortal remains. If you're unsure about the kind of benefits you need, it's best to talk to a specialist travel health insurance broker who can guide you through the process and recommend an appropriate policy for your needs.