曼谷 Travel Insurance Overview
曼谷 Travel Insurance Overview Quick Links: Trip Interruption Insurance - Trip Cancellation Insurance - Other Types of Travel Insurance If you travel outside your home country for business and pleasure the health care plans you may have in your home country may not be designed to provide coverage while you are out of the country. Whether you travel for business or pleasure, international travel involves risk. A travel insurance policy is a very good idea. It is possibly the best way to protect you against medical costs through illness or injury, against theft or loss of possessions and other accidents that may occur during your travels. With this in mind, we recommend that you buy travel insurance, which provides coverage for international travelers. Coverage depends on the type of insurance that you buy. You should ask for details on any policy before you decide to buy. In addition, buy travel insurance as early as possible before you start your travel. If you worry about getting sick away from home, consider purchasing medical travel insurance and carry your ID card in your purse or wallet. In most cases, your existing health plan will provide the coverage you need. See the section on insurance earlier in this chapter for more information. As to the financial details of your troubles while on the road, that`s the job of travel insurance. If you need to cancel or interrupt your trip, or if you become ill during your journey, travel insurance will reimburse you for the expenses you incur due to your bad luck. Many travelers, however, purchase insurance that they do not need. Many standard homeowner`s or health insurance policies, for instance, cover lost luggage or accidents abroad. Trip interruption insurance and trip cancellation insurance are generally the most useful types of travel insurance because they cover losses that are usually not covered by most travelers` existing coverage. These two types of insurance are often bundled and sold as a package. Important: If you suffer from a chronic illness, consult your doctor before your departure. For conditions like epilepsy, diabetes, or heart problems, wear a Medic Alert Identification Tag (tel. 800/825-3785; www.medicalert.org), which will immediately alert doctors to your condition and give them access to your records through Medic Alert`s 24-hour hotline. Pack prescription medications in your carry-on luggage, and carry prescription medications in their original containers. Also bring along copies of your prescriptions in case you lose your pills or run out. Carry the generic name of prescription medicines, in case a local pharmacist is unfamiliar with the brand name. | | Trip Interruption Insurance Trip interruption insurance covers you during your trip. If an injury, illness or other event prevents you from continuing a trip you`ve started, trip interruption coverage will reimburse you for expenses you incur because ofit. Some policies also reimburse you for any unused prepaid expenses. Most commonly, trip interruption coverage is used to cover expenses for returning home early. Or,
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