The length of time that you intend to travel is an essential consideration when you are buying travel cover. Statistics show that the longer the trip, the greater the risk that something disruptive may happen during the trip. In addition, extended trips are more expensive than short-term travel, which means an unanticipated mishap could affect you greatly. That is why week-end travellers who do not insure their trips seriously consider travel insurance for journeys that last two months or longer.
However, that does not mean travel insurance is not important for short-term trips. Experts recommend that it be taken out for short-term and long-term travel, with lengthy trips definitely needing cover.
Are You Sufficiently Covered?
Plus, there are some major concerns that may come up during a long-term trip that do not worry the average traveller. Therefore, a travel medical product or comprehensive cover may suit the requirements of someone booking travel for a few weeks. However, the same type of cover may not offer enough protection for a long-term journey.
Therefore, it is always good to focus on travel insurance providers that offer long-term stay insurance. When a policyholder plans to travel for months at a time, certain considerations such as medical care need to be addressed. After all, if you are travelling for six or twelve months, a strong possibility exists that you will need medical assistance at some point. Whether you require care for a minor injury or the flu, you will need some kind of financial safeguard.
For long-term travel then, it is always advisable to look into obtaining a travel plan that covers extended trips. Travel medical plans offer cover for emergency care as well as for emergency evacuation. Emergency evacuation cover gives you the added ability to be transported as needed to a medical facility that can properly care for your injury or illness.
Single-trip Insurance and Multi-trip Protection
You can also buy single trip travel insurance that covers travel lasting anywhere from just a weekend to over a year. Worldwide travel insurance and European travel cover provide extensive cover, including protection for a broad range of activities. These kinds of policies cover as much as £10 million in medical expenses.
Long-stay policies often focus on covering people involved in adventure-type activities, and they offer regular protection for sports that need additional cover. Therefore, an insurance provider can tailor a long-term stay policy to your specific cover. If your trip will last over twelve months then, you may want to opt for an annual multi-trip policy. This type of plan can save you money and time by enabling unlimited travel over a twelve-month period.
Naturally, you will need to consider a number of items when you are planning a long-term trip. If you are contemplating extended travel then, be sure to enquire about evacuation services and accidental death and dismemberment protection. Also, find out if the policy permits short visits home during a scheduled trip. Know your options so you are fully covered when travelling, regardless of the duration of your trip.
Types of Long-term Travel
Travel that is long term covers leisure trips lasting three months, as well as ski holidays lasting up to nine months. Protection can assist in safeguarding skiers who are new to skiing as well as adventurers who partake in off-piste type activities.
Ask about extended cover, as well, if you plan to go backpacking for an extended length of time. You can always upgrade your cover, especially if you like such activities as skydiving or bungee jumping. In order to obtain further information, you need to check the type of protection offered by such travel insurance providers as Now Travel Insurance.
Now that you have an introduction to extended stay insurance, you can further review the benefits of obtaining cover, whether it is for a long stay or a short trip. Most people assume they are covered through a credit card or through their private health cover. However, local cover does not extend outside your borders and the protection offered by a credit card can be considered minimal at best.
What is great about travel insurance is the fact that it only costs a few dollars per day. However, when you need it, it saves you thousands of dollars, especially if you have to interrupt or cancel your trip, or if you have your belongings stolen.
The major protection offered by travel insurance or medical cover is designed to give you the cover you need when you become injured or sick whilst travelling internationally. You can also get reimbursed if your flight is cancelled, or when a family member passes away and you need to return home. Do not leave home then without securing this protection.
How Processing a Claim Works
In circumstances where you are admitted to the hospital for the day, lose your luggage, or break your camera, you need to claim for reimbursement from your insurance company. Normally, you pay out-of-pocket initially and then submit the paperwork to the insurer. Therefore, it is essential that you keep and maintain all your documentation. That means filing any police reports and saving all your receipts. An insurance company requires proof if you want to get reimbursed.
When you are seeking a plan for medical protection, make sure it has a high cover limit on medical expenses. The worst thing that can happen is you try to save money by choosing a lower cover limit, and you reaching the limit before you receive the necessary care. It does not pay to be cheap when it comes to your health.
Emergency evacuation should also be added to your travel plan. For example, if you break your leg whilst hiking in the woods, your policy should cover evacuation to the hospital. Or, if you run into a natural disaster and need evacuation, make sure the plan covers that possibility as well.
Read the Terms Carefully
In addition, check the plan to make sure it covers all the countries you intend to visit. Read the terms carefully before signing the policy. Trip cancellation, interruption, or delay is standard in most travel insurance plans. For example, trip cancellation reimburses you for prepaid costs should a tour operator go out of business or you have to cancel your trip because of a sickness, injury, or death in your family. It also covers natural disasters or bad weather.
Trip interruption insurance protects you should you need to interrupt your holiday because you get injured, sick, or have to return home because of a family member’s death. If your flight gets cancelled because of bad weather, trip delay insurance is used to cover such events.