Travel insurance remains one of the most confusing aspects of the travel process. Are you covered, for what, and for how much? Now most people know—or think they know—about something called trip cancellation and interruption insurance.
But the real problem is that most people don’t have any idea about something called medical evacuation and repatriation protection. But that protection is essential. Remember: what you don’t know could hurt you—or even worse.
The key is to get a policy where the language is actually beneficial to you. It’s not enough to say you’ll be covered if you get sick or injured overseas. It’s how you’ll be covered—not to mention where you’ll be treated.
The medical evacuation benefit of just about every insurance policy and platinum card warning says you’ll be stabilized and treated. For example, this one says that the company will “arrange transportation to evacuate you to a facility that can properly treat your condition.” That vague language may not help you.
Once you make the decision to get medical evacuation and repatriation protection, you need to read the policy language carefully. Then make an intelligent decision, based on the overriding notion that this is essential coverage.
To quote an old commercial, don’t leave home without it.
For more information about travel insurance, check out:
- Are TSA Delays Covered by Travel Insurance?
- Does Travel Insurance Cover the Zika Virus?
- How to Determine if You Need Travel Insurance
By Peter Greenberg for PeterGreenberg.com