Travel Insurance Guide

1. Why You Need Travel Insurance

• Medical expense coverage

  Overseas medical care can be extremely expensive, especially emergency room visits and hospitalizations. Insurance covers these unexpected costs

• Trip cancellation reimbursement

  If your trip is cancelled due to unforeseen circumstances like illness or severe weather, insurance can reimburse non-refundable prepaid costs

• Lost luggage compensation

  When an airline loses or delays your bags, insurance covers essential purchases and provides compensation

• Emergency evacuation

  In remote areas or serious medical situations, insurance pays for emergency medical transport or evacuation to a better facility

• Personal liability protection

  If you accidentally injure someone or damage property while traveling, insurance can cover your liability

2. Types of Travel Insurance

3. Key Factors When Choosing a Plan

• Medical coverage limits

  Choose at least $50,000 USD in medical coverage. For high-cost destinations like the United States, select even higher limits

• Emergency medical evacuation

  Verify that the plan covers air ambulance and emergency transfers to better medical facilities

• Trip cancellation terms

  Read carefully which reasons qualify for cancellation reimbursement. Definitions vary significantly between providers

• Pre-existing conditions

  Most plans exclude pre-existing medical conditions. Some offer optional add-on coverage for an extra premium

• Deductible amounts

  Note the out-of-pocket amount you must pay per claim. Lower deductibles mean higher premiums but less cost at claim time

• Geographic coverage

  Confirm which regions and countries the policy covers. Some plans may exclude specific high-risk areas

4. How to File a Claim

• Notify the insurer immediately

  Contact the insurance company's emergency line as soon as an incident occurs. Many policies require notification within 24-72 hours

• Keep all receipts and documents

  Medical bills, doctor's reports, police reports, airline delay certificates, and all other supporting documents must be carefully preserved

• Photograph everything

  Take photos of property damage, accident scenes, and any relevant evidence to support your claim

• Complete the claim form

  Download or request the claim form, fill it out in detail describing the incident, and attach all supporting documentation

• Follow up on your claim

  After submission, regularly check the status of your claim and keep records of all communications with the insurer

5. Special Situations and Coverage

6. Frequently Asked Questions

• When should I buy travel insurance?

  Buy it as soon as you book your trip, especially if you want trip cancellation coverage. At the very latest, purchase before departure

• Can I buy insurance after I have departed?

  Some insurers allow mid-trip purchases, but coverage may be limited and waiting periods may apply

• Do we need individual policies when traveling as a group?

  You can purchase individual or family/group policies. Group plans often include a discount

• Is credit card travel insurance enough?

  Credit card insurance is usually basic. Consider buying supplemental coverage to fill the gaps

• Do I need travel insurance if I have health insurance?

  Most domestic health plans offer limited or no overseas coverage. Travel insurance fills this critical gap

• Are premiums the same for everyone?

  Premiums vary by trip length, destination, age, coverage level, and activity type. Prices can differ significantly between plans