There are various reasons why people travel abroad. Many people travel abroad for an extended period of time to work, some travel for pleasure, others travel to study abroad or perhaps for business. For whatever reason for your travel, it is quite imperative for you to have urgent medical insurance in order to be protected against any emergency that may occur to your health while traveling abroad. Taking it for granted believing that you cannot have crisis with your health is unrealistic and that is why it is very vital for you to buy urgent medical insurance when traveling abroad.
There are different types of packages when it comes to emergency medical insurance for visitors, travelers and tourists while benefits and coverage depend on what you choose. Therefore, the insurance could cover repatriation, urgent medical care, travel with a bedside companion, ambulances or emergency returning home. On the other hand, you will equally find some insurance that will cover subsistence benefits, emergency allowance, accident protection and urgent dental care.
A lot of companies offer coverage for you as soon as you arrive in Canada or USA, while additional coverage is available by some companies that begin coverage from your home country. If you are on long flight and have a lot of stopovers, this may be an ideal solution. It is not obligatory to complete a medical form when you apply online. Nevertheless, you probably will not be able to find coverage if you suffer from a medical condition for which you have been treated within six months prior to your arrival in Canada. On the other hand, after answering some medical questions, you may be eligible at a higher premium.
Furthermore, if any emergency happened in your home country and you must return all of a sudden, you are eligible to get a refund for any unused portion of the trip. It is therefore important for you to know that you cannot have made a claim if you want to benefit from this. If you had no claims, it is also possible for you to extend the plan for up to two years.
With your urgent medical insurance, you will receive immediate coverage if an accident happened. However, you must wait 2 to 10 days for your claim if it is considered to be a sickness and not an emergency. If you are a seasoned traveler, visitor or tourist, the benefits of urgent medical insurance are obvious.
