Common Travel Insurance Questions
When it’s time to head overseas to another country, you may be considering travel insurance to protect yourself from emergencies. With the right America travel insurance, you won’t have anything to worry about. It can be tricky learning what is covered in a travel insurance policy, so here are some of the most common questions when it comes to travel insurance.
Does my regular health insurance cover me abroad?
Usually, your regular health insurance will only provide partial coverage when you are out of the country. Some plans won’t cover you at all, with Medicare providing no coverage abroad.
You may gain assistance with minor medical needs from countries with “universal health care.” However, they are not obligated to help you and any major medical emergencies won’t be covered.
Doesn’t my credit card give me some type of travel insurance coverage?
Some credit cards may offer travel insurance, but it’s not the same as a separate policy. Often, it will only have a small limit under $5,000 for a 12 month period for cancellation. Most credit cards provide no coverage for an evacuation or medical emergency.
Will I be covered in the event of a natural disaster?
Once you have your travel insurance in place, you are covered for many different emergencies. Make sure you check with your policy, but most American travel insurance policies cover natural disasters, such as hurricanes.
What is the cost of travel insurance?
Most travel insurance policies will cost between 4% and 8% of the total cost of the trip. Travel medical insurance is based on the length of your trip and can be as low as $1 per day.
How do I purchase travel insurance?
Whether you decide you just want basic coverage or you prefer a travel insurance policy with medical benefits, you can purchase your policy online with a credit card. It can also be purchased over the phone after calling the company directly.
Can I get travel insurance with pre-existing conditions?
Yes, you can find travel insurance policies with pre-existing conditions. With Atlas America travel insurance plans, you can get travel insurance without answering any health questions. These policies are guaranteed and can be issued within 24 hours.
When should you purchase your travel insurance policy?
When you are ready to put a deposit down for your trip, it is time to purchase travel insurance. The sooner you purchase insurance the better, as there are additional benefits to obtaining insurance as soon as possible.
These are some of the most common questions regarding travel insurance. Whether you’re traveling to the United States or from the US to another country, you need to make sure you’re fully protected on your trip. For more information, give us a call today at (800) 647-4589.
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