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| ==External links== | ==External links== | ||
| * - Detailed article on the benefits of travel insurance and typical issues actually covered by a typical insurance policy | |||
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| *[http://www.garamchai.com/TravelInsurance.htm Travel Insurance providers | |||
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Revision as of 12:07, 20 December 2005
link titleTravel insurance protection Everyone who travels needs health/medical insurance to cover unforeseen risks.
Before we get into the details, exactly who needs travel insurance? Practically everyone who travels needs some sort of travel/health insurance to cover unforeseen risks. Indians are especially vulnerable because medical insurance issued locally in rupees may not cover a bigger bill in dollars or Euros. Short-term visitors, those on businesses or visiting friends or family, are especially vulnerable since they can be lulled into a false sense of security by presuming that their regular medical policies provided by employers in their native lands, will cover them. That is not true since most insurers of regular policies explicitly exclude foreign travel. Even students going overseas to study may find it intriguing that although universities provide plans that cover them after they register as full-time students, they may not be covered when school is not in session. Human tragedies involving injury, hospitalisation or death can occur at inopportune times, putting an undue financial strain on self and dependents.
Another aspect of travel insurance is the “variety” of policies available in the globalised marketplace. Hundreds, if not thousands of companies provide insurance of different kinds, ranging from very basic “emergency” policies to those with extensive and in-depth coverage. The length of coverage, premium, deductible payable, number of people covered, area of coverage (local, country-wide or global) also may vary from one provider to another. There are also a number of specialised insurance vendors who have sophisticated interfaces on the Web, which allow visitors to view brochures, compare policies and even buy the policies directly using a credit card. It goes without saying, as with every online transaction, the maxim of caveat emptor, buyer beware holds true.