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Saturday, June 13, 2009

Benefits of Tourist Insurance Policy

By Ray Sondeo

While you plan a trip overseas, in addition to your checklist of travel items which normally includes currency, baggage and passport, you need to include tourist insurance as a top priority to protect you from the various risks that could ruin your travel in case you are not secured. The insurance would also free you from the worries of the trip and help you focus on the main purpose.

Normally, some travelers think that paying a premium is just a waste of money. In fact, they do not realize what relief health insurance for visitors could provide in case they face any of the emergencies that could result in unmanageable financial expenses. For example, evacuation expenses could cost almost $90,000. Think what this expense would leave you with if you have to pay this money right out of your pocket.

Unforeseen incidents can take the fun out of your trip as well as cause tremendous mental and financial strain. What if during the course of your travel you happen to get sick or meet with an accident? What if you lose your baggage by theft or mishandling? What if a family member dies while you are traveling? A lot of unpredictable circumstances could occur. Why put yourself in the midst of confusion about where to turn for help? A tourist insurance plan can protect you against these losses and take the risk out of international travel.

The benefits that you can avail from the tourist insurance plans depend on the policy type you opt for. Most of the insurance coverage options include prescription drugs, hospitalization, emergency evacuation, surgery, doctor consultation fees and medical procedures.

You can also get coverage for other options like repatriation of remains in case of death due to accident during the trip. You can also appoint a beneficiary and include the benefits along with the amount depending on the insurance policy you choose.

Tourist insurance benefits all travelers who are concerned with staying safe each time they travel. Different kinds of insurance policies are available depending on the coverage options that you desire. Fixed or limited benefit policies offer limited coverage for each covered benefit, while comprehensive policies cover a percentage of the actual cost.

It is not unusual that you encounter unexpected incidents while traveling to a foreign country. Getting sick is probable due to the change in climate conditions. And medical treatments are expensive especially if you are traveling to an industrialized country like the United States. You will be more than glad that you are covered by a visitors health insurance policy once you get caught in a situation like this. It?s not easy to face hurdles when you are in a different location very far from home. The best option is to think and act sensibly as you prepare and plan your trip ahead of time. Pay attention to the importance of tourist insurance benefits for a worthwhile international traveling experience.

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