Though you dream about going for that dream vacay, you are said to be tied down by some myths which are associated with travel insurance and do not get a travel insurance plan for yourself and your family members. As an expert traveler, you are known to fill out customs cards with your eyes closed, and you can be packed and ready to go for a quick weekend getaway in a matter of very less time. However, it is a true fact that, there may still be one part of the travel experience that continues to challenge you, which is nothing else than travel insurance. You will be very surprised to know that many worldly travelers can be forgiven for being aggravated by applications, puzzled by pre-existing conditions, and confused by claims which are part of taking any type of travel insurance plan.
It is time to bust the different types of myths which are said to be associated with travel insurance. You should never believe in any of these myths which are associated with travel insurance and take the required packages.
Need eligibility for travel coverage
You must have knowledge about the fact that, the travel medical plans which are associated with travel insurance packages has no age limits. Though, it is a true fact that, some high-risk or unstable medical conditions cannot be covered but you can easily qualify.
In addition to that, it is possible for you to qualify for coverage for expenses that are not related to your existing health issue. Do understand that, any kinds of unexpected illness or injury, like food poisoning or a broken bone, would still be covered under the travel insurance.
Cannot get travel insurance after starting trip
There are many travel medical plans which are still available for purchase after you have left home for vacation. In order to get the facility, you are always advised to speak with an insurance expert if you need post-departure coverage which is must important.
In addition to that, most of the people who are known to take travel insurance is not aware of the very fact that, you can apply for having any type of travel coverage at any juncture of your trip, which is considered to be very much useful for those who forget.
Travel medical coverage is enough
Most of the people do not understand the importance of going for any kind of travel insurance as they think that the travel medical coverage which is provided is enough for them to take care of their needs which may arise during their trip.
In addition to that, even if you have travel medical coverage through your work benefits or credit card, additional non-medical travel insurance may be necessary for the safety of the members who are taking part in the holiday which includes yourself and your family.
Claims are denied
A travel insurance policy is a contract between the insurance holder and the insurer which actually means that insurers must pay all valid claims which are made. Along with that, one fact to known is travel insurance plan holders were paid a total of $620 million in claims amount.
In addition to that, you must know the myth that, claims are said to be denied by many insurance companies which also include travel plans and coverages. However, this is not at all the case as travel insurance companies will provide the claims if application is done rightly.
Getting travel insurance is expensive
You must be aware of the very fact that, travel medical insurance can cost less than less than two dollars for a single day, and there are many ways to save on coverage costs, including companion and family discounts, multi-trip annual plans, and early bird rates which must be opted for.
In addition to that, the travel insurance coverage you need may not be as expensive as you think. Moreover, in order to calculate the costs about how much it would cost to pay for medical care abroad, travel insurance is well worth a few extra dollars which is very essential.