You can expect 24-hour room service and clean accommodation, but this is a tourist’s nightmare. It’s not a hotel; you’re in the hospital after falling ill during what was supposed be a vacation of a lifetime. The worst part is that you will spend more on your health care than on a tour.
Travelers are often quick to believe that insurance for travel is a waste. They see it as an expense for something they won’t use. It can be difficult to decide whether you should cancel your insurance. These questions will help you make the right decision.
How comprehensive is your current insurance coverage? You may not need additional insurance if you have great, comprehensive insurance. Some policies will cover treatment anywhere in the world.
What are the limitations of this plan? You should review the terms and conditions of the plan to determine the details. It is not a good idea to be confused when you use the plan.
Which is your destination of choice? Research the areas you are planning to visit. Are there any health hazards?
Are you the kind of person who visits the doctor regularly? How often have you visited a hospital or doctor over the past few months? Health insurance is better for those who are too concerned about their health.
Are you prone to getting sick easily? Insurance is the best choice if you have a tendency to catch bugs easily.
How much would insurance cost you? You will need to decide how much you can afford. You don’t have to pay anything extra if you already have health insurance.
How much do you think the plan will cover? You want to avoid any unexpected costs, or are you happy to risk it all with a high deductible. If you get cut in the Sydney hostel kitchen, will your policy cover an emergency room visit? How about emergency evacuation? Are you going to be able to get good medical care? Or should you expect to be sent abroad in the event of serious injuries or treatment?
Even though it is often dismissed as unnecessary, traveling insurance may be worth the small cost if you are exposed to foreign health care or environmental risks.