Emergency Insurance With Medical Coverage – 5 Travel Insurance Must-Haves

Travel insurance is something that often gets lost in the shuffle when people start planning for a trip abroad. When it comes to planning such an exciting trip, it is just no fun to think about all of the “what-if” questions, such as, “What if I fall ill or get into an accident while on my trip?” No, it’s a lot more fun to stick to booking your air reservations, making hotel arrangements, and deciding which points of interest you will be visiting.

Still, the savvy traveler knows that their trip will be that much easier to enjoy if they have already made provisions for all of those “what-if” questions ahead of time. In addition to just making smart choices about where to visit and what you will do once you arrive, the best way to buy yourself peace of mind before you travel is through the purchase of travel medical insurance.

Of course, one of the worst-case scenarios that could happen to you while you are traveling abroad is to encounter some sort of an emergency situation. This could be something as common as being involved in a car accident or something as exotic as being bit by a snake or falling off of a cliff.

So, before you embark on your exciting journey, you will want to invest in a very good travel medical insurance policy. When you do, make sure that your policy has a provision for emergency situations.

If you are looking for emergency insurance with medical coverage, here are 5 travel insurance must-haves:

1. Emergency medical evacuation:

Make sure that the policy you buy has you covered for emergency medical evacuation. For example, say you are in a remote part of Italy and you get injured, but the local medical facilities there are not sufficient to treat you. You may need to be evacuated to a larger city in order to receive the treatment you need.

2. Transportation to a local hospital:

Similarly, you will need to make sure that there is a provision for your transportation to a local hospital. Even if you do not require something as extreme as emergency medical evacuation by helicopter, you will almost certainly require transport to a local hospital via ambulance.

3. Repatriation for continued treatment in your home country:

Another policy provision that is wise to ask about: getting repatriated so that you can receive continued treatment at home. This can become necessary if your injury is severe enough to require an extended hospital stay, specialized treatment, or long-term rehabilitation.

4. Loss of checked luggage:

Emergency situations often involve the loss or misplacement of luggage. It is wise to select a policy that will cover you not only for the loss of your luggage, but that will also pay for any incidentals in order to help you get by while you await your luggage reimbursement.

5. Return of mortal remains:

In the extremely-remote chance that you were to die while traveling abroad, you would have done your family a great service by purchasing a policy with a provision for the return of your mortal remains to your home country. It makes no sense to put your loved ones in the position of having to arrange to get your remains sent home during what would be a very difficult time in their lives.

Consider these 5 travel insurance must-haves as you invest in emergency insurance with medical coverage for your next trip.