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 medical insurance doesn’t cover you against medical expenses incurred outside your home country?
It is a common misconception amongst people that their travel insurance online covers them against all medical expenses incurred even during their travel abroad. The fact is that travel medical insurance has its own terms and conditions, like all other insurance policies. It is absolutely necessary that you keep yourself informed of the minutest detail of your travel insurance. You must be aware of the coverage which your travel insurance will and will not give you.
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 treatment. Depression, anxiety, and mental disorder – they all fall under the category which is not covered by travel medical insurance.
Medical tourism is also excluded from travel medical insurance. If you are receiving a particular medical treatment then your travel medical insurance might not cover you against the expenses you incur during your travel. Therefore, your travel medical insurance would be of no use if you are going abroad for a cosmetic surgery or for some similar cause which is recommended by your doctor.
There are even more exclusions which are attached to your medical insurance for travelers policies when you are traveling abroad. A few of them are war or war-like situations, epidemics, natural disasters, nuclear attacks etc. These are the exclusions attached to almost all insurance policies.
Sports which include high risk are also not covered by travel medical insurance. Skydiving, parachuting, mountaineering, skiing, racing sports, bungee jumping etc. –all fall under the exclusion list. You might get some coverage from these hazardous sports if an additional coverage is purchased on payment of extra premium.
The other exclusions include loss of your bag and baggage, frauds, deceit by your travel agent, or personal losses resulting due to lack of responsibility on your part. It also doesn’t cover attempt to suicide, drug misuse, and alcoholic misuse.
Availing travel medical 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 medical insurance policies online and pick up the best deal for yourself. The claims department covers all genuine expenses and claims after a thorough assessment.
