We are going to discuss some of the benefits and what you need to know about travel insurance. Although i never thing i am going to need it or hope that i will need it, if i do actually need it i will be very very glad that i’ve purchased it.
So for this article i’ll be using examples from one of the largest provider in the market. There are of course other providers that offer their own policies and i encourage you to do research to find out which one best suits you .
What does travel insurance do / cover?
Travel like your car and your home is an investment. They cost money, it’s a big cost and that’s why it is important to buy insurance for it. Because insurance that’s allows you to worry that much less about things going wrong on your trip, so you can enjoy it.
Emergency Medical Expences
Basically there all your medical costs, you know emergency hospital visits and while i’ve never need it to use the medical part of my insurance i have traveled with friends that have needed to use it, you know these things happen and while you don’t want them to happen sometimes they happen. Travel Insurance helps cover the cost of these.
Lost Luggage
Travel Insurance also covers things such as lost luggage like when you arrive at the place and your bag doesn’t and suddenly you need to buy toothpaste, toothbrush and a new pair of clothes to wear. Travel Insurance covers the cost of these to make sure that you don’t smell.
Trip Cancellation / Trip Interruption
Trip Cancellation and Interruption costs, which basically just allowing you to protect the money that you have already spend on your trip.
Plan Types
In case you travel so much you have to buy the annual travel insurance policies or multi-trip policies which basically covers you for all of your trips all year round. it’s actually really good to buy it once and don’t have to worry about it. You are covered.
For the frequent travelers and people were taking a couple of more trips a year … multi-trip policies is the solution.
Now if you aren’t seeking multiple trips per year there are of course single trip policies but this is going to cover emergency medical expenses – trip interruption – trip cancelation – lost luggage and more…
Cruise Plans
There is even brand new travel insurance plans specifically for cruises. Some of the things covered by cruise ship insurance :
Port of call changes : Provides a one-time benefit of up to an amount of money per person for inconvenience of changing the ports of call you visit by the cruise line prior to departure.
Shipboard service disruptions : A one-time benefit of up to an amount / per person if the cruise line suffers a mechanical breakdown, fire, virus outbreak or other certain types of service disruption during your cruise causing your itinerary to change.
Pre -Paid Excursion Reimbursement : A one-time benefit of up to an amount / per person for itinerary changes after the cruise departs causing you to cancel pre-paid excursions.
Return home early : Reimburses transportation costs, up to an amount / per person to return home, if you elect to abandon your cruise and return home early.
You also can get an extended period of time between the initial deposit for the cruise and the departure date, up to 24 months, because cruises can be purchased further in advance than many other trips.
Cancellation for extension of the school operating session as a covered reason, because extreme weather is more common causing schools to exhaust their
and much more…
BUT pay attention with Medical questionnaires…
Most of us buy insurance when we travel out of country to protect ourselves from big unexpected medical bill .
If you are over 60 you have to answer a medical questionnaire to buy travel insurance ,it determines what policy you will get and the price. Long detailed questions about your health history in a difficult language sometimes, it can be hard even know what they are asking. especially when you fill a questionnaire online. In case of emergency and after you report the claim Insurance companies always verify the answers from the questionnaire with the medical records from your doctor / hospital back home. In case of a mistake or wrong answers the whole policy is non void and your claim will be denied …
CrossBorderMedCare is a medical care provider with facilities in Sweden and Greece. CrossBorderMedCare offers a wide spectrum of health care services that meet all the needs of an international patient ranging from urgent to planned medical and dental care. 
Athens BioClinic Hospital is a member of Bioiatriki Healthcare Group which is the largest private medical care provider in Greece. Bioiatriki Healthcare Group owns 26 fully automated primary care Diagnostic Centers and 2 hospitals in Athens and Thessaloniki serving more than 2 million people every year. 
