5 Essential Tips for Buying Long-Term Travel Health Insurance
December 23, 2019
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Traveling long-term is an exciting adventure, but unexpected illnesses or accidents can ruin your trip. A good travel health insurance policy ensures you’re protected no matter where you go. Here’s what to consider before buying one:
1. Check Coverage for All Destinations
Not all policies cover every country. Some exclude high-risk regions (e.g., war zones) or have restrictions.
- Worldwide coverage is ideal for multi-country trips.
- Verify if your destinations are included before purchasing.
A policy covering Europe might not apply in Thailand. Always double-check!
2. Ensure Adequate Coverage Limits
Medical costs abroad can be expensive. Avoid cheap plans with low limits.
- Recommended minimum: $100,000 for serious emergencies.
- Pre-existing conditions (e.g., diabetes, asthma) may not be covered—ask your insurer.
Some insurers charge extra to cover pre-existing conditions. Declare them honestly to avoid claim denials.
3. Customize Your Policy
Many insurers let you add or remove benefits (e.g., dental, evacuation, adventure sports).
Prioritize what matters:
- Adventure travelers: Add coverage for risky activities (hiking, scuba diving).
- Digital nomads: Include lost electronics protection.
4. Pick the Right Plan for Your Travel Style
- Annual multi-trip plans: Best for frequent travelers.
- Student plans: Budget-friendly with special discounts.
- Business travel plans: Covers work-related trips.
*Students under 30 often get discounts—ask about youth/student packages!*
5. Compare Buying Options
- Travel agencies: Convenient but may have limited choices.
- Online brokers (e.g., World Nomads, SafetyWing): Compare plans easily.
- Your current insurer: Check if they offer international upgrades.
Avoid buying at the airport—it’s often overpriced with limited coverage.
Final Advice
“Never risk traveling uninsured. A $200 policy can save you from a $50,000 hospital bill.”
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