Level 1 — The Basics

1. What is medical travel insurance?

Medical travel insurance is a specialized insurance policy designed to provide coverage for medical expenses and emergencies that may arise when traveling abroad. It offers financial protection and peace of mind by covering costs related to medical treatments, hospitalization, medical evacuation, repatriation, and other necessary medical services.

2. Why do I need medical travel insurance?

When you travel internationally, your regular health insurance may not cover medical expenses incurred outside your home country. Medical travel insurance ensures that you are protected against unexpected medical situations and the potentially high costs associated with them. It provides coverage for emergency medical treatments, hospital stays, medications, and more, saving you from substantial financial burdens.

3. What does medical travel insurance typically cover?

Medical travel insurance typically covers a range of services and expenses, including: Emergency medical treatment and hospitalization, Doctor's visits and specialist consultations, Prescription medications, Medical evacuation and repatriation, Trip interruption or cancellation due to medical reasons, Lost or stolen baggage with medication, Emergency dental treatments, 24/7 emergency assistance hotline.

Level 2 — Beginner

4. Are pre-existing medical conditions covered?

Coverage for pre-existing medical conditions may vary depending on the insurance provider and the specific policy. Some plans may exclude pre-existing conditions, while others may offer coverage for acute flare-ups or provide an option to add coverage for pre-existing conditions at an additional cost. It's crucial to disclose any pre-existing conditions accurately and check with the insurance provider regarding coverage options.

5. How do I purchase medical travel insurance?

You can purchase medical travel insurance from various insurance providers, both online and offline. It's advisable to compare different policies, considering factors such as coverage, exclusions, premium costs, and claim procedures. Many insurance companies offer online platforms where you can obtain quotes, review policy details, and make secure purchases conveniently.

6. When should I purchase medical travel insurance?

It is recommended to purchase medical travel insurance as soon as you have confirmed your travel plans. By doing so, you ensure coverage for unforeseen events that may occur before your departure, such as trip cancellation due to illness or injury. Ideally, it's best to purchase your insurance at the same time you book your trip to maximize the benefits provided by the policy.

Level 3 — Intermediate

7. How do I make a claim?

In the event of a medical emergency or any other covered situation, follow these general steps to make a claim:

1. Contact your insurance provider's emergency assistance hotline immediately.

2. Provide the necessary details about the situation and your policy information.

3. Follow any instructions provided by the insurance company or their designated assistance service.

4. Keep copies of all relevant documentation, such as medical reports, bills, and receipts.

5. Complete the claim form provided by the insurance company, attaching the required documents.

6. Submit the claim form and supporting documents as per the instructions provided by the insurance provider.

Remember to thoroughly review your insurance policy and familiarize yourself with the specific claim procedures and documentation requirements.

8. Can I extend my medical travel insurance coverage?

In many cases, you can extend the coverage period of your medical travel insurance if your trip is extended. However, this option may vary between insurance providers and policies. It's advisable to contact your insurance company before your policy expires to discuss the possibilities of extending your coverage.

9. Can I cancel my medical travel insurance policy?

Most medical travel insurance policies offer a free look period, usually within 10 to 14 days of purchase, during which you can cancel your policy and receive a full refund. After the free look period, cancellation policies may vary. Some insurance providers offer partial refunds based on the unused portion of the policy, while others may not provide refunds. Review your policy terms and conditions or contact your insurance provider for specific details regarding cancellation.

Please note that this FAQ section provides general information about medical travel insurance. Always refer to your insurance policy documents and consult with your insurance provider to get accurate and up-to-date information tailored to your specific needs and circumstances.

If you have any further questions or require assistance, please don't hesitate to contact our customer support team, who will be happy to assist you.