Travelers who buy travel insurance will be prepared for any calamity or emergency that might hit them while in a foreign country. Insurance policies bought in the United States may not extend coverage into foreign lands.
Travel insurance can assure that the traveler has money if it’s lost or stolen. It can transport a traveler back home if he falls ill. Specialized travel insurance can even ensure that travelers will be rescued by commandos if political chaos erupts in a foreign land.
For most people, though, a basic vacation plan policy will work well to ease the mind and assure that a mishap will not ruin a holiday abroad.
What kind of travel insurance to buy is a matter of common sense. Travel to a foreign city where pickpockets operate would call for insurance to protect money, laptops, cameras and jewelry. If the vacation calls for scuba diving on coral reefs, an insurance policy that covers that activity would be wise. If travelers don’t have any insurance and a thing of value is lost, damaged or stolen, they are out of luck.
A medical plan travel insurance policy will reimburse a traveler for medical expenses in a foreign land. A medical stay in a foreign country can costs tens of thousands of dollars. The right policy will pay the entire amount.
A bedside visit policy will get a family member to a patient’s bedside. It can also be used for medical transit or evacuation back home or to another medical facility. These policies can be adjusted to cover one day or a number of years.
Optional travel insurance can cover hazardous activities such as skiing and scuba diving.
A basic vacation travel insurance policy will provide protection against a canceled or interrupted trip. For example, if a vacation is interrupted due to a family emergency back home, travel insurance will compensate a traveler for cancellation or interruption.