Every day there are more people who at the time of travel decide to buy travel insurance, this is because travel insurance is the best protection for an international passenger, and depending on the one you choose, you may have the option of coverage the care of your luggage, reimbursement for flights, legal support, and most importantly, medical assistance.
The health part is a primary issue, especially if you decide to travel from Canada to the United States, since in the USA medical system is not free, and choosing to buy private insurance or international travel insurance will be the better option. Once and you make this decision, it is important that this policy includes a variety of services and benefits since medical consultations are usually expensive and thus can be attended without any problem.
Wherever you are, it will always be a priority to have insurance at hand, but if you plan to travel specifically to the United States there are many health services you may need, and if you suffer from an injury you will find plans that offer from the most basic to the most complete by varying its price.
If you are in the United States and have to attend a medical consultation, need an ambulance to go to the hospital or need an operation, medical insurance would be a relief for you as it will avoid making expenses unexpected, and this benefit can be obtained by paying, or a small monthly payment or with a single payment annually.
The most recommended when choosing travel insurance
It is recommended that at the time you decide to go on a trip, and buy a travel insurance, preferably choose a coverage with a minimum of $200,000 as a precautionary measure, in case you need a more complicated intervention such as an operation, remember that the more delicate your situation, the higher the cost will be.
When looking for a good travel insurance you can get advice through the testimonies of other people who have used it, you can do so directly with an insurance advisor or by watching testimonials from other customers through websites about the treatment, the attention, and the kind of service, since the main thing is that you feel confident, comfortable and sure of what you are paying.
It is a big or small problem, if you get to have any strange symptoms in your body or an injury, you will necessarily have to attend a hospital, so it is important that you have at hand an insurance that is really efficient, and to achieve this objective, there are several travel insurance options that you will find in the United States, each with different prices and medical coverage, but all willing to provide efficiency.
Mostly, the price of the policy is estimated for 14 days, but travel insurance can be purchased for an estimated period of seven days for up to one year, and depending on the number of days it will be a different price. When you buy the insurance you will have two options, you can hire the insurance that suits you best online, a perfect option for when you have limited time, or directly at a travel agency through an insurance broker.
Each price fits your pocket
The good thing about having travel insurance is that you will not only have your health under shelter, depending on the limit of the policy, if your luggage is stolen or lost, the service includes tracking and recovery of the same, and in case If it is not possible, make a full refund or a part of the money.
Each insurance company has a stipulated price, there are those that offer a basic plan that you can adapt to your needs, and others that offer a Premium plan that are usually a bit more expensive, and although most people decide to opt for travel insurance that has medical expenses coverage of $ 200,000, there are others with a higher amount that vary between $250,000 and $500,000, for a payment ranging from $78.16 to $135.
There are other insurance companies that have coverage of medical expenses for a lower amount of $200,000, so you can also choose coverage of medical expenses of $48,000, $80,000 and $100,000, for the sum of an amount that varies between $ 84, 97 and $ 155. These coverage limits can be considered very low, due to the high costs of medical care in the United States.
In Canada, the health service is not free, the same goes for the US, and although each of the 50 states have their own laws, the health system is governed by the same regulations, but each travel insurance is different. You can choose the most suitable one, it is a good idea to ask for several quotes so that you can make the comparison of the plans that each one has, and apart from receiving advice by a licensed insurance agent in the country.
Whatever the reason, for which you will make a trip, insurance in a country like the United States due to the high cost of health services is a good investment. If you decide to go from Canada to the United States to study a university degree, it is essential that you have insurance, and most likely, in the same university where you are going to study, they will give you advice about the available insurance and minimum coverage offered.
Also, if you decide to travel for work or tourism, during your stay you can hire private insurance and choose between a limited fixed coverage at a low cost or a comprehensive coverage, which although its price is higher, the coverage is more complete and It is the most recommended, and if for any reason you have to suspend your trip, you can cancel it.
There are many benefits that can be obtained
Apart from all the aforementioned benefits, when you travel from Canada to the United States it will provide you with cover for accidental death and dismemberment, in addition to the repatriation of remains, so it is important that you have extensive coverage. There are additional services such as dental, vision and preventive check-ups that are not included in the policy and to dispose of them will be for an additional cost.
For expatriates, missionaries, sailors, and people who frequently travel abroad, there is a world health insurance, with coverage with long-term plans with no extension limit, which may cover maternity and childbirth costs, since its coverage It is very high, being able to reach up to $5,000,000 or more, in addition, you will have the option to pay annually, quarterly or monthly.
The main idea of having travel insurance is to have benefits and advice during the trip, so that everything goes as well as possible without any inconvenience, since nobody wants to go through a problem, much less if it is a problem of health, and although the United States is very safe, it is never known when an unforeseen event may occur, so it is always important to buy medical insurance for travelers.
The data of the National Institute for Health, indicate that an invoice for emergency medical assistance in a hospital is generally $2,168, and among the list of the cost of these expenses billed for medical assistance can be found for example a common medical consultation of $150 at $200, a blood test priced around $1200, and other types of expenses that can start at a minimum of $15.
The importance of travel insurance
Every traveler will always need to have travel insurance, especially if the trip is destined for the United States, since their prices in the area of health are especially very expensive, and you have the possibility of buying this type of travel insurance before or while traveling, and you will have the opportunity to have the assistance of doctors and be in hospitals considered the best in the world.
To make your life easier, if it is not so important for you to have a very high coverage, you have the option of buying cheaper travel insurance although these almost never have coverage for cancellation of trips, thefts, and other inconveniences, so It is worth making a good investment in good travel insurance, then wanting to save money that can also be spent for some incident.
The most expensive travel insurance offers coverage for delays, theft or luggage damage for an amount of additional compensation for incidents, sick or deceased transportation, repatriation, medical expenses abroad, civil liability insurance to cover possible damages that are caused to third parties, and legal assistance and all necessary advice during your stay in the country, through legal assistance insurance.
It is important that if you buy travel insurance, at all times have with you the policy number and telephone numbers of the insurance company so that you ask for all the assistance you need and report any event immediately so that you can receive help by part of the insurance company in the whole process of your problem and can perform any procedure in the easiest way.
Stay informed and advised
For a good use of your policy, knowing the coverage of your travel insurance and how it works you should read the insurance terms and conditions carefully. If you decide to cancel your travel insurance purchase certificate, most insurance companies only give five 5 business days after the purchase to perform this action, by telephone or email.
Surely, once you make your travel insurance purchase, you will want to request an invoice, the insurance companies have no problem giving it, but each one has its request form and a period of 5 business days, approximately. As for privacy, you do not have to worry, since your personal data, being of high importance for your insurance company will keep them protected.
Each insurance company in the United States, after your purchase, will give you a certificate that includes all the data of the coverage you purchased how it applies and what covers each benefit. Mostly in this certificate, you will see the coverage and the limits of the amounts, reflected in a table of benefits so you can have everything you need to know on hand, and you will have 24/7 customer service available.
By having your travel insurance, you can be assured of medical privacy, a right that all people have and your doctor should only share your health information with researchers, pharmacies and health insurance. This regulation is stipulated in the Health Insurance Responsibility and Transferability Act (HIPPA), which clearly establishes who can see your medical history.
Find the travel insurance that best suits you
If you are thinking of making several trips, a number of insurance companies allow you to subscribe through annual coverage and thus be insured against any incident occurring for one year. The reason for your trip will be of importance for the insurer to adapt the coverage to your needs, be it a vacation or another reason; this will be taken as a platform for you to get the best coverage.
This process of seeking travel insurance is not complicated if it is well informed, it is essential that you know that depending on the company for which you decide, some have as a rule that the contract must be made seven days before the trip, this with in order that you can enjoy with the greatest tranquility from the first day of your trip, since everything that happens before the signature will not be covered.
Most health insurances are not charged with incidents arising from a pre-existing illness, unless they are of vital urgency, nor are charges made for pathological conditions from substances such as alcohol. Everything that happened because of the insured himself, such as cancellation due to a surgical operation or lost luggage because of it, will not be covered either.
If you have doubts about acquiring such insurance, when you see all the benefits you will get, surely you should already be looking for which travel insurance company you are going to hire for your next trip. Every day it becomes more common for travelers, instead of focusing solely on flight and accommodation information, to also be interested in searching about these types of services that offer safe travel while saving time and money.
Carisbel Sanchez is a freelance writer with more than 6 years of experience. She is SEO specialist, Community Manager and has experience writing on topics such as technology, education, entertainment, among others.