5 Myths About Travel Insurance – #1: An Air Ambulance Won't Be Covered
If you're planning a trip, don't forget travel insurance. While insurance may seem like an unnecessary expense, it could help you manage the costs of a cancelled flight, lost baggage, or an air ambulance if you get sick or injured and need emergency medical transport. However, these policies sometimes come with restrictions and caveats. Before you buy travel insurance, make sure that you are aware of the some of the common myths about this kind of coverage.
Myth #1: Travel insurance won’t cover an air ambulance trip – A quality travel insurance policy should cover the costs of an air ambulance trip if you become ill or get injured while traveling. But read the fine print before you buy to make sure that your insurance will cover the expenses associated with long distance medical transport. Some policies may not provide coverage if you're engaging in medical tourism or if you have certain pre-existing conditions.
Myth #2: Any medical issue I have while traveling will be covered – Again, it's critical to read the fine print associated with any travel insurance policy. Some policies may have restrictions related to pre-existing conditions, for example. If you'll be engaging in potentially hazardous activities, such as scuba diving, mountain biking, or skiing, you should also check to make sure that you'll be covered if you're injured.
Myth #3: My credit card provides adequate insurance coverage – If you book your trip with your credit card, you may get some protection (for example, collision insurance for a rental car or reimbursement for lost baggage). But insurance tied to your credit card probably won't cover everything, particularly medical costs or a worldwide air ambulance. Check with your card issuer before you leave to find out exactly what kind of protections you have.
Myth #4: My airline will reimburse me for any expenses related to a cancelled or delayed flight – Don't count on it. If a flight is delayed or cancelled, an airline might cover (or offer discount coupons for) a hotel room or provide meal vouchers. But exactly what you'll get will depend on the reason for the delay or cancellation and the individual airline's policy. If you have travel insurance, it could help offset any expenses you incur.
Myth #5: I don't need travel insurance for a short trip – Even if you'll only be traveling for a few days, travel insurance could be a worthwhile investment. You're just as likely to get sick, have an accident, lose your baggage, or suffer a delay on a short trip as on a long one. A good travel insurance policy will help you manage those unexpected expenses.
Don't let an unexpected event ruin your holiday travel plans. Investing a relatively small amount now in a quality travel insurance policy could pay off if something does go wrong.
To find out more about MedFlight911's long-distance medical transport services, give us a call at 888-359-1911 or get a no-obligation worldwide air ambulance quote here.