If you're getting ready to take your family on vacation in the next few months, one thing you shouldn't overlook is the importance of travel health insurance. By planning ahead to ensure that your family is protected, you'll reduce the risk of costly medical bills due to a lack of coverage by your standard policy. Here are some of the things you should consider to ensure that your travel health insurance gives you enough coverage before you hit the road.
Always Check the Policy Declaration
One thing many people fail to do is thoroughly read the policy documentation when they buy a policy like this. It's important that you take the time to read the declaration pages right away to make sure you understand any eligibility requirements you have to meet for your emergency to be covered or any restrictions that might be in place.
As an example, some policies may require that you be traveling for a certain time period before the coverage is effective and other policies may have restrictions on coverage in certain countries. Also, make sure that the declaration pages clearly show how long the policy is effective so that you can be sure that it covers your entire trip and you have something in writing in case there's any question about the policy's coverage while you're on the road.
Clarify the Payment Process
Make sure to clearly ask about the policy payment process. For example, some travel health insurance policies will only issue payment directly to you, so you'll have to pay for your care up front and then submit copies of your bills to be reimbursed later. Clarifying this before you travel can save you from a potentially embarrassing and troublesome situation later.
Be Honest About Your Medical History
When you apply, make sure you're clear about the medical history of everyone in your family. You'll risk denial of coverage if you don't disclose a pre-existing condition or other concern up front.
Understand How High-Risk Behaviors Affect Coverage
Some travel health insurance companies may refuse coverage to people who are seeking out high-risk activities. If you're an extreme activity fan and you thrive on adrenaline, you may find that any injuries sustained while you're doing those activities may be denied by the insurance company. Ask about added premiums or extended coverage options for these high risk situations to ensure that you're getting the coverage that you need.
Although the risk of injury or illness while you're traveling is minimal, it's in your best interest to be as prepared as possible for your family. With the right travel health insurance and these tips, you'll be able to do just that. Talk with your insurance agent or W B Adams Co for more information.