How having quality travel medical cover can save you a lot

The idea of travelling can be exciting, but the reality requires much more than excitement to see it through successfully. We usually consider factors such as accommodation, food, and transportation planning. Still, other crucial things need to be considered, such as your health and safety when you reach your destination, and that’s where travel insurance comes in.

Travel insurance is meant to help protect you from life’s misfortunes and at least ensure that you are not as financially affected, depending on your coverage. This includes being shielded from the stress of high medical costs should you have a medical emergency, which can be a saving grace.

This article will discuss why having travel medical coverage is essential for your next trip.

What is travel medical coverage, and what does it cover?

Travel medical coverage, also known as travel health insurance or international travel insurance, provides financial protection and assistance for medical expenses incurred while travelling abroad. It is designed to cover the costs of unexpected medical emergencies, accidents, illnesses, and other related expenses that may occur during your trip.

Travel medical coverage differs from regular health insurance because travel medical coverage is specifically designed to cover medical expenses incurred while traveling, and check-ups are not included, while health insurance covers a wider range of expenses, including medical expenses, dental expenses, vision expenses, prescription drugs, and check-ups.

Travel medical coverage helps take care of several medical-related emergencies, such as:

• Emergency medical expenses

This covers the costs of medical treatment, hospitalisation, surgeries, medication, and other necessary medical services required due to an unforeseen illness or injury during your travels.

• Medical evacuation

In the event of a severe medical condition or injury that requires you to be treated in your home country, medical evacuation coverage ensures that you are safely transported back home for further treatment.

• Repatriation of Remains

In unfortunate cases where a traveller passes away while abroad, this coverage helps cover the expenses associated with returning the deceased’s remains to their home country.

What are the benefits of having travel medical coverage?

There are several benefits and advantages to having travel medical coverage. Some of them include the following:

• Protection Against Unexpected Medical Emergencies

Travel medical coverage provides financial protection in medical emergencies, allowing you to seek immediate medical attention without worrying about the high costs. It covers expenses for medical treatments for injuries that are accidental,  life-threatening, or regarded as needing urgent care and unexpected illnesses, giving you peace of mind during trips abroad. Travelling exposes you to various risks, including accidents, injury, and unforeseen illnesses.

• Coverage for Medical Evacuation

You may require medical evacuation to receive appropriate treatment. This could involve transportation by air ambulance or other means to a medical facility in your home country. Without travel medical coverage, you would be responsible for the entire cost.

• Financial Protection and Cost Savings

Travel medical coverage protects you from unexpected medical expenses, especially in foreign countries where you may not be eligible for local healthcare benefits. With coverage, you can minimise or eliminate out-of-pocket expenses and receive reimbursement for eligible medical costs.

Terms and conditions apply. Please read your policy carefully to understand the specific benefits and limitations of your coverage.

Where can you get quality travel medical coverage?

Travel insurance by Allianz Travel offers flexible options for anyone travelling abroad. We can provide peace of mind with our knowledge base covering countries and places worldwide. Our packages come with quality travel medical coverage and more.

Here are some of our packages with travel medical coverage:

• Schengen Travel Insurance

Our Schengen Travel Insurance provides the mandatory insurance certificate required for your Schengen visa application.

With a decent amount dedicated to emergency medical expenses in case of accident, sickness, illness or injury, buying our Schengen Travel Insurance will provide you with complete peace of mind. This package comes with the following benefits:

• Emergency Medical Expenses
• Emergency Medical Evacuation
• Dental Expenses
• Loss of Travel Documents

• Single-Trip Insurance

Our single-trip insurance packages are designed for people who travel once a year. They offer more benefits than required for a Schengen visa and have worldwide coverage. The coverage includes:

• Emergency Medical Expenses
• Emergency Medical Evacuation
• Dental Expenses
• Loss of Travel Documents
• Hospital funds
• Personal accident

• Annual Multi-Trip Insurance

Allianz Travel created this travel insurance product for frequent flyers as it is a convenient and more cost-effective way to travel any time of the year. Our Annual multi-trip product provides cover for all trips below 92 days within a year. The coverage includes the following:

• Emergency Medical Expenses
• Emergency Medical Evacuation
• Dental Expenses
• Loss of Travel Documents
• Hospital funds
• Personal accident

The wrap-up

Get covered by Allianz Travel and Assistance before you jet off on your next vacation. Allianz Travel has been around for over 30 years, so we know what travel insurance you’ll need. When travelling internationally, it is essential to have insurance that covers medical emergencies, the loss or theft of travel documents and baggage, and other mishaps. Trust us to provide you with exactly that and more.