Travel Insurance FAQWhat is trip insurance? What is travel insurance? Some plans also provide services such as travel-related advice, evacuation to your home or hospital in case of a medical emergency, emergency cash or help in the event of the loss or theft of your money, valuables or travel documents. Why would I need trip or travel insurance? Trip insurance can provide protection against such losses in many cases. Other unforeseen losses such as trip delays or baggage delays can also be covered. Depending upon the features of the plan that you purchase, travel insurance can provide the additional assurance that expenses will be covered for medical care including hospital admission, emergency dental care, and emergency medical evacuation. Emergency cash advances, and help with retrieval of luggage or other services may also be available. What kind of coverage are included in travel insurance? 2. Coverage for travel interruptions, delays and cancellations 3. Coverage for missed connections 4. Coverage for medical emergency; dental emergency; other health-related expenses (often including medical evacuation coverage) 5. Coverage for expenses due to lost or delayed baggage 6. Coverage for accidental death or dismemberment. If you purchase travel insurance, you should examine what is covered under your own plan. What is not covered? 2. Cancellation for terrorism may be covered if your destination has experienced recent (often within 30 days) terror attacks 3. Cancellation because of bad weather is likely to be covered only if the weather is extremely threatening. If airlines have stopped flying to the area, for example. 4. Cancellation because of an outbreak of disease will likely not be covered. What is coverage for medical evacuation or repatriation? Medical repatriation benefits come into play when physicians deem it medically necessary for you to be returned to your home or to a hospital or other medical facility near your home. Transportation and possibly some related costs are likely to be covered. Do I need something other than my normal health insurance plan for traveling outside the U.S.? To answer this question, you need to check with your own health insurance company. Many health insurers do not cover international health coverage. A spokesperson for the Health Insurance Association of America has been quoted as saying that only about 5% of American travelers have health insurance coverage while traveling abroad. Even when traveling within the United States or to U.S. territories like Puerto Rico, Virgin Islands, etc., full coverage may not be available under many plans. For business-related travel, you should check with your employer to find out if you are covered under a travel insurance plan for employees. What types of supplemental health insurance coverage could I buy?There are three basic types: 1. A plan that you purchase for each trip or a plan for all travel during the year. The plan is generally limited to medical expenses and medical evacuation coverage while traveling. You buy this from a travel insurance company. 2. A plan that is designed for customers of a tour company or cruise line and sold through the tour operator with whom you scheduled the trip. This type of plan would probably include trip cancellation benefits as well as medical coverage. 3. A package that includes both trip cancellation and related trip insurance coverage as well as health/medical coverage. These bundled plans are available directly from travel insurance providers. Travel to TurkeyThe Aegean RegionMarmara Region The Mediterranean Region |