It is always a thrilling experience to travel abroad. But wait a minute! Will the thrill and the excitement be the same if you or your family member falls sick or meets with an accident? Won’t it be horrible to find that your travel insurance doesn’t cover you against medical expenses incurred outside your home country?
You might think that you are protected against such medical emergencies by your travel insurance policy. However, there are some clauses which are attached to every insurance policy that you purchase. There is high chance that you might overlook these clauses. However, for your own interest and safety, it is absolutely necessary for you to know what exactly your policy will and will not cover for.
On top of the list of exclusion appear pre-existing medical conditions, which include pregnancy and related difficulties, dental or medical conditions which is ongoing. It also includes any surgical or medical condition for which you have been kept under medication. Depression, anxiety, and mental disorder – they all fall under the category which is not covered by travelers medical insurance.
Medical tourism also falls under the category of exclusion. If you are going abroad for receiving a particular medical treatment, for example cosmetics surgery or a surgery of similar nature, then your medical insurance for travel will not cover you against your medical expenses.
Other circumstances that are excluded from travel health insurance coverage are war or war-like situations, epidemics, natural disasters, nuclear attacks etc. These are a few of the most common exclusions of all travel insurance policies which are offered.
Additionally, even high risk sports do not qualify under travel health insurance. Sports involving bodily contact such as mountaineering, skydiving, skiing, caving, riding in races, bungee jumping, parachuting, etc are excluded from the clauses of medical insurance for travelers. Some policies offer coverage for these hazardous sports, if an additional rider is bought by paying extra premium.
Frauds, loss of passport, deception by your travel agent, or any loss arising due to your irresponsibility is not accommodated by medical insurance for travel. Attempt to suicide, drug abuse/alcohol abuse are also not covered by your travel insurance policy.
Purchasing travel insurance is the best way of bracing yourself against unforeseen travel accidents. However, different travel insurance companies will offer you different packages. It is therefore recommended that you go through the travel insurance policies online and pick up the best deal for yourself. The claims department covers all genuine expenses and claims after a thorough assessment.
