Travel health insurance is a type of insurance that provides health insurance while traveling, usually in a foreign country. It is the insured pays an amount as the premium for travel insurance for the cover. The coverage has created a rule to cover the costs of medical care while traveling, and in some cases also covers medical evacuation.

Travel health insurance usually comesbundled with trip interruption / cancellation insurance, travel accident, baggage loss, emergency evacuation and medical expenses cover. The usual premium is about $ 200 per year. But the premium is much depends on your age, cost of the trip (for single trip insurance), the distance of travel, the nation is being carried out of the trip, any preexisting health conditions etc. Some travel insurance plans are alsoaccidental deaths and flight accidental death.

The plans that cover the medical costs on your trip include medical expenses, dental expenses, cost of treatment and cost of medicines. These covers come attached with lot of conditions like if you take medicines from unconventional medical sources like acupuncturists or ayurvedic treatment, the costs will not be reimbursed.

However if you are already covered by a health insurance, it is prudent to check whether it covers outside the United States or whether it is intended only for emergencies.

Medical Evacuation: travel health insurance provides for medical evacuation to nearest qualified medical health facility. Here is the catch nearest medical health facility and not to the United States. So, if you are traveling in an underdeveloped country, you may need to undergo medical treatment in an annex to the decision of the insurance company and is not decided by you. The treatment in the United States is one of thethe best and other countries including Europe have a higher operative mortality.

Repatriation of mortal remains. In the case of death of the travel health insurance will bear the cost of returning to the mortal remains of the insured person.

There are other conditions, such as coinsurance, deductibles, exclusion, benefit period, pre-existing conditions etc which have to be carefully studied before buying a travel insurance.

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