International Health and Travel insurance is a pretty broad topic, but must be taken into account when planning to leave your home country for a while. Depending on your profile, your needs and your trip, you will be faced with a few questions when looking for travel insurance. This article will not only help you to understand the benefits of getting travel insurance but also give you the tools to make the right choice.
Why should I get travel insurance?
As zero risk does not exist, it is important to be insured no matter what your destination or the nature of your trip is. When you are going overseas, your national health care system normally doesn’t cover you and credit card insurances do not provide a decent cover. When traveling, you are exposed to a number of risks: sanitary risks (depending on the country and season), loss of luggage, cancellation of flights and many more. For you to travel with peace of mind, it is therefore recommended to get travel insurance!
Depending on your country of origin you may qualify for access to another country’s health care system. Based on the Reciprocal Health Care Agreements (RHCA) between certain countries, some of the costs for necessary health care might be covered while abroad. You should check this before doing your research.
For more information: Why should I get Travel Insurance?
How to choose the best travel insurance?
When going overseas, you need to know what you are going to do in order to choose the right insurance coverage. This means, you need to take into account the type of your trip, your visa, and the countries you are going to visit. To have the best cover possible, your specific needs (disability, medical conditions etc…) also play an important role when choosing your insurance.
For more information: How to choose the best travel insurance?
The different types of travel insurance
Working Holiday Travel Insurance
Going overseas with a Working Holiday Visa is a specific project, which requires a proper insurance cover. The ability to travel and work for 1 to 2 years abroad can pose risks. In some cases, effecting a travel insurance is a condition for obtaining the working holiday visa. Only few countries offer this type of visa, among them, Australia, New Zealand and Canada are popular destinations for travellers.
For more information : Working Holiday Travel Insurance
If you are going to study overseas, you still need to get a proper coverage to ensure you will have a great experience. There are specific insurance for students wishing to go and study in another country (outside the European Union).
Some of you are probably considering a long-term departure, and/or settling in another country. Having an expatriate status, you will need to take out insurance coverage according to your country of destination. Whether you leave alone or with your family, working for yourself or for a company, you must be covered in every situation.
Au pair insurance
Being an au pair in a family is a great way to immerse yourself in the culture of a new country. While enjoying some security in staying with a family, you are not protected from an incident. It is always important to be covered for yourself and also for the children you will be responsible for.
Volunteer travel insurance
Thinking about doing some volunteer work overseas? You should check the different types of insurance that suit your needs. You can be facing sanitary risks, infectious diseases or insecurity etc depending on your destination country . More than ever, you will need an insurance coverage that will provide you with 24/7 emergency assistance in all circumstances.
Travel insurance – short stay overseas
Some of you will only go on a short trip for holidays but it is important to know that even if you do not want to work and you plan to travel only for a short period (less than 90 days), it is still necessary to be insured.
Backpacker travel insurance
Traveling the world is an amazing experience but it is important to be prepared and think about all the practical aspects of this great project. When planning your travel you should seek advice on the potential hazards you may encounter and understand how best to protect your health. Make sure to explore the world with a specific insurance that will cover all possible incidents during your trip!
For more information : Backpacker Travel Insurance
Travel Insurance Companies
Depending on your type of travel, different travel insurance companies would be able to offer you the cover that is best for you and your needs. It is important to compare all of them and find the right one for you. Check the covers, prices, your needs, the services offered. Among those companies, you can have a look at Chapka Insurances, WorldNomads, and Go Walkabout.