Article by Jackson Taylor
Hospital Costs ? Do you have to pay upfront?
When travelling internationally and need to receive medical treatment at a doctor or hospital your travel insurance doesn?t always pay directly. Quite often you?ll need lodge a claim afterwards. Before making an appointment to see a doctor, or as soon as you can if its an emergency, call the insurance company and inform them what is happening. They?ll be able to inform you if they have a suggest medical provider and what the process is for payment.
Ideally the insurance company will pay for your hospital or doctors costs upfront as this means you won?t need to but the entire costs on your credit car or attempting to organise the money from friends or family, especially if its an expensive accident.
Overseas Emergency Assistance ? Who to call?
All travel insurance companies have some form procedure for being notified of emergency events and how to handle them. Always look for a policy that offers local phone numbers that you can call in a large number of countries. This will make it simple to contact them if you encounter problems. Reverse charge calling doesn?t work in all countries so should be avoided if you are travelling anywhere slightly adventurous. Phoning back home at your cost can end up being hundreds or even thousands of dollars depending which country you are in.
Always ensure you have the emergency contact information handy at all times while on holiday and keep a separate copy in your luggage and in an online storage or email account.
Excess
A low or no excess can be very important for comprehensive travel insurance because it allows you to claim on a wider range of items. Many policies offer an excess buyout for a fee (reduces the excess to ). This is usually worth considering as it means that you are able to claim for anything that you are able to and will get the full amount back. If you are going for a backpacker or hospital only travel insurance policy the excess may be of less importance as you will most likely only claim for high cost events where the excess is just a small faction of the total amount.
Sports and adventure activity coverage
some adventurous sports are automatically covered by travel insurance policies, these are usually low risk sports or activities such as bushwalking, snorkeling, and cycling. Higher risk sports like scuba diving, bungee jumping, and mountain biking may be covered for an extra premium but some companies do cover these normally. You should check directly with the insurance company if you are taking part in these sports.
Pre-existing conditions
Some of us have minor (or not so minor) medical conditions that could cause problems when travelling. Things like asthma, arthritis, allergies. Sometimes these will be covered by the insurance policy, other times they will not and some with preclude you from getting the travel insurance policy. These are listed in the PDS and you should contact the travel insurance company directly if you have any of the listed medical conditions.
Reviews
Reading travel insurance reviews is very helpful as it provides an overview of the claims and assistance services that you are unable to get from reading the travel insurance policy or from the company website. Keep an eye out for the ease and speed of claims and if the company tries to get out of paying claims where they can.
About the Author
Jackson Taylor is employed as a writer of reviews on travel insurance. Jackson has backpacked the world thoroughly and likes providing hints and tips about all the things he has learnt while travelling. Read of his latest reviews on Australian Travel Insurance ? 1Cover Travel Insurance review.
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whereby the original author?s information and copyright must be included.
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