Are you planning to go on a trip to the US or Europe? If so, you need to make sure that if something terrible happens, you have the protection to solve the problem. According to surveys, it is a surprise to know that nearly two-thirds of Americans and Europeans admitted that they didn’t buy travel insurance when they left their country or travel elsewhere, even 8% of people said that they never heard that there is a travel insurance policy. Such a decision may lead to a sudden situation in which the traveler must face a risk that he or she can’t take on his own, such as losing his passport, ticket or injury. So what are you going to do? Below will tell you some travel insurance advice on traveling to Europe and the US.
1. Compare the difference of travel insurances.
Before you begin your search for travel insurance, check that your bank or credit card provider has services related to travel insurance. It may include annual travel insurance, so you may not have to buy a new insurance policy alone. However, please check the scope of the claims covered by its contract, if you feel that the insurance is not enough after judgment, then you still have to buy other insurance, to protect your complete interests.
Today’s times are up to date, and through the Internet, you can easily and quickly find the right insurance for you.
2. Application for EHIC card (limited by European residents and study abroad workers)
Applying for a free European Health Insurance Card (EHIC) allows you to enjoy free or discounted medical care at national hospitals in EU countries and Switzerland. When you travel to any country from Europe, having this card represents your medical benefits for citizens of the country in which you are a tourist destination. However, do not misunderstand that holding this card alone can completely replace the protection provided by travel insurance. Because it works only in EU countries and Switzerland, and you can only use it in EHIC-qualified state hospitals, medical services are relatively limited and have fewer choices.
In addition, EHIC will not provide you with benefits other than medical expenses, so you still need to find your way to lose your baggage or cancel your flight.
3. Travel Insurance advice for Europe and the United States
It is well known that medical expenses in Europe and the United States are very expensive. If unfortunately, you are sick or in an accident while traveling in the United States, you may have to bear very high treatment costs.
Therefore, it is very important to insure against travel insurance before traveling. The most common wrong decision for the average person is to choose the cheapest travel safety insurance scheme directly without considering certain important conditions. Most travel insurance is of a fixed type, and the maximum cost limit for different types of treatment is obtained according to the insured amount. For example, suppose your policy has a total claim limit of $5000, and when you have an unexpected actual cost that is higher than the claim limit, the extra fees are still at your own expense.
Therefore, determining whether the amount of the claim is sufficient to cope with an unexpected situation is one of the factors that need to be given priority. Of course, there is another option to encounter an accident, regardless of the amount of the claim is paid in full, of course, this scheme is certainly more expensive than the fixed type.
If the budget is tight, you can choose between a fixed type and a comprehensive type, depending on the actual situation.
4. What is a deductible?
The deductible refers to the amount you must pay before the insurance company begins to settle the claim, and the deductible exceeds the insurance company before it begins to pay the remaining expenses payable. The higher the deductible, the lower the insurance cost. It is generally recommended that you choose a low deductible option, but if the cost is your primary consideration, you may consider purchasing a high deductible policy. One thing to note is that you should confirm how the deductible is calculated for each visit
Or the total cost of the entire treatment is calculated.
And the following is our recommended travel insurance company, after a rigorous audit to determine the company’s financial situation, and are well-known large companies, immediately go to the reference to see it.
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