Travel insurance covers you against unexpected events such as illness, injury, theft, cancellation and weather damage. You should consider purchasing travel insurance even if you don’t plan on traveling abroad while playing bestusacasinosites games . There are several benefits associated with having comprehensive coverage, including peace of mind, financial protection and freedom from worrying about medical bills.
When You Need Travel Insurance
You need travel insurance when:
- Your trip is longer than three weeks or involves air transportation (in other words, it’s not a weekend getaway)
- You’re visiting an area that has limited health care services, such as Mexico or Central America
- You’ll be staying in hotels or resorts that have different levels of fitness facilities, especially if your physical activity varies widely over the course of your stay
- You want to protect yourself from theft while away from home (such as when using public transport)
- You’re planning to engage in activities outside your normal routine, such as scuba diving or skiing
- You will be spending time away from family members or friends who can provide support
What It Covers Exactly
A typical travel insurance policy provides the following types of cover:
1. Medical care
This includes emergency room visits, hospital stays, online pokies australia real money,surgical procedures and follow up care for injuries sustained during travel. Many policies also include coverage for pre existing conditions.
2. Emergency Evacuation
If you become sick or injured overseas, this coverage could help pay for evacuation costs. Some travel insurance plans may exclude certain areas like Cuba, North Korea, Sudan, Afghanistan, Iraq, Iran and Syria.
3. Baggage Protection
If your luggage is lost or stolen, this coverage usually reimburses you for the value of your belongings. The amount covered by most policies ranges between $500-$5,000 per declared item.
Conclusion – Paying Your Dues
Concerning real money expense, an average person would pay around $35 per month for travel insurance. However, a traveler who spends more than 10 days per year on trips should expect to shell out at least $50; and those who spend more than 25 days per year should budget for $100 per month. In reality, you might find it cheaper to purchase separate trip cancellation and medical insurance policies.