While travelling abroad or live in a different country, you must never rely on the territorial or provincial health plan for your sickness or injuries. The territorial or provincial health plans may at the best partially cover the cost. Moreover, the provincial health plan does not entertain out-of-country travel health costs always. You must purchase a private travel health insurance for each of your travel plans or living abroad even in the case of short one day travel to other countries. Eventually, it is your own responsibility to obtain and thoroughly understand the terms and conditions of the private travel health insurance policy. Take the assistance of professionals in Insurance Unicornto obtain and understand the travel health insurance policy.
Sometimes, the credit card company may support you with certain offering on your travel health insurance. But you must never assume that your credit card company would intend to automatically cover your entire expenses of travel health problems. Some credit card companies charge an additional premium as part of the travel health insurance coverage.Some companies assure you that you pay for the travel arrangements. You should verify the details of requirements, limitations, terms and conditions of your credit card travel health coverage before you depart for your trip.
The first step towards attempting the obtaining of your private travel health insurance, you need to ask your health care service provider to fill the necessary sections of the insurance questionnaire especially the pre-existing conditions. It will help you to avoid future complications in claiming the insurance. For example, your pre-existing conditions may include borderline high blood pressure or diabetes which may not be required for medication at the moment. But if you miss the pre-existing conditions in the insurance questionnaire, your insurance company will probably refuse to pay you the assured amount to meet your medical bills.
You should constantly carry the insurance coverage documents all along with the travelling. At the same time, tell your insurance agent, or a close friend or a trusted relative all the details of your travel health insurance and all the contact details of your travel health insurer. You must not fail you to collect all the detail invoices from the hospital or health care service provider before you get discharged from the treatment. It may not be possible for you collect these papers later from the foreign hospitals which are thousands of miles away from your country. Secondly, most travel health insurance companies do not accept faxes or copies of bills and receipts which you can keep for your own references.