Often, when you book a trip, especially if it is short – you never think to take out travel insurance that covers medical expenses. If the trip is organized by an agency, almost always, insurance is included in the complete package and you pay without even noticing. Until some time ago I must admit that even I had not ever thought about it, everything changed when I started to travel more abroad and especially when I went to Cuba, where health insurance is mandatory in order to enter the country.
When you leave, you are happy, full of beautiful energy and positive thoughts and you always think that you are on vacation, so what can happen? But unfortunately, as we all know, Murphy is always around the corner and just fantastic during our long journey that is expected to visit us by bringing some nasty surprise.
It can happen that your luggage does not arrive at your destination right away and have to wait days, or that your plane faces long delays or is even erased, or even worse could happen that you become ill. I know I may seem like the bird of ill omen at this time, but alas they are all things that can happen and that as they say prevention is better than cure. There are countries, such as Japan or the United States, where medical costs are really high and if you were to serve a medical consultation without insurance you can be sure that this would make you regret even the day you started.
But what insurance should do? The first thing to consider is how many trips you plan to do in a year and where. If you are the great traveller who loves to travel the world then you might consider the possibility of making the world” annual formula which pretty much covers you in any country you decide to go.
Obviously, this type of policy makes sense if you organize your trips on your own without resorting a travel agency. Then, there is the domestic travel insurance and the temporary ones that are essentially valid for the entire duration of the trip. With the temporary you must be careful because they are not always the cheapest ones.
For example, this year I have two great trips to do in India (where I am right now) and Japan, and I saw that making two separate insurances would have make me pay a lot more compared to the year which that I’ve done.
The last important thing to see is which insurance covers flight delays, baggage loss, all types of medical spending as a hospital and medicines, etc etc.
