7 Things to Check Before Buying International Travel Insurance

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Megasports4u.com – International travel insurance is one of the most important things to prepare before traveling abroad.

International travel insurance can provide protection from various risks that may occur during a trip, such as accidents, illness, loss of goods, ticket cancellations, or flight delays.

However, not all international travel insurance has the same benefits and conditions.

Therefore, there are several things that must be checked before buying international travel insurance, namely:

1.Scope and limitations.

Check what is included in the coverage of the international travel insurance you choose, such as medical expenses, emergency evacuation, death insurance, personal accident insurance, legal liability insurance, trip cancellation insurance, travel delay insurance, insurance for loss or damage to goods, and so on. other.

Also make sure that the coverage matches your travel needs and goals. In addition, pay attention to what are the limitations or exclusions of the international travel insurance you choose, such as pre-existing health conditions, extreme sports, war or armed conflict, natural disasters, pandemics or disease outbreaks, and so on.

Make sure that you understand and agree to these limitations or exclusions before purchasing international travel insurance.

2. Premiums and claims.

Check how much premium you have to pay to get the international travel insurance that you choose. Premiums are usually determined based on factors such as age, duration of trip, purpose of travel, type of coverage, etc.

Compare premiums from various international travel insurance providers to get the best price and according to your budget.

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In addition, also check how the claim process from the international travel insurance that you choose.

Ensure that the claim process is easy, fast and transparent. Also pay attention to what documents or evidence you must prepare to submit a claim.

3.Reputation and service.

Check the reputation and service of the international travel insurance provider you choose. Look for information about experiences and testimonials from previous customers.

Also pay attention to whether the international travel insurance provider has an official license from the relevant authority and is registered with a national or international insurance association.

In addition, make sure that the international travel insurance provider has responsive, professional and friendly customer service.

Look for customer service that can be contacted 24 hours a day, 7 days a week through various communication channels, such as telephone, email, online chat, or social media.

4.Terms and conditions.

Check the terms and conditions of the international travel insurance that you choose carefully and thoroughly. Read all the information contained in the insurance policy properly and clearly.

Don’t hesitate to ask your insurance agent or customer service if there are things you don’t understand or have doubts about.

Make sure that you know and understand your rights and obligations as an insurance policy holder.

Also make sure that you know and comply with all the terms and conditions that apply to benefit from the international travel insurance that you choose.

5.Protection period.

Check the protection period of the international travel insurance you choose. The protection period is the time span during which you can claim the benefits of international travel insurance if a risk is covered by the insurance policy.

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Usually, the protection period starts from the time you depart from your country of origin until the time you return to your country of origin.

However, there is also international travel insurance that provides a more flexible protection period, such as extending the protection period in the event of a flight delay or canceling the protection period in the event of a trip cancellation.

Make sure that you are aware of and adapt the coverage period to your itinerary.

6.Coverage area.

Check the coverage area of ​​the international travel insurance you choose. The coverage area is the area or country where you can claim the benefits of international travel insurance in the event of a risk covered by the insurance policy.

Usually, international travel insurance has a wide coverage area, such as the whole world, Asia, Europe or America. However, there are also international travel insurances that have limited coverage areas, such as only applying to certain countries or not applying to certain countries.

Make sure that you know and choose the coverage area according to the purpose of your trip.

7.Additional features.

Check the additional features of the international travel insurance you choose. Additional features are additional benefits or facilities that you can get from international travel insurance apart from the main coverage.

Some examples of additional features are COVID-19 insurance, extreme sports insurance, family travel insurance, business travel insurance, student travel insurance, senior travel insurance, driving travel insurance, and others.

Make sure that you are aware of and choose additional features according to your needs and the purpose of your trip.

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Those are some things to check before buying international travel insurance.

By paying attention to these things, you can choose the right and best international travel insurance for your trip.

Happy holidays and don’t forget to always take care of your health and safety!

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