Expat travel insurance is a must for anyone who travels frequently to different parts of the world. Even people who are used to having coverage through their home country can run into trouble if they lose their coverage at home while traveling. It’s important to get an international travel insurance policy that offers flexible coverage options and can easily be tailored to suit the needs of the individual. Before committing to anything, you should always compare different policies so you know you are getting the best policy at the best price.
If you are traveling outside your own country, an expat travel insurance policy can be especially helpful, especially if you are not accustomed to dealing with countries outside your own. Many expats and digital nomad’s struggle with international medical insurance, since most health insurance plans: only cover a certain period of time or have a one-year maximum coverage. Coverage does work the same as for any health insurance in that it doesn’t fall under any preexisting condition or other exclusion and only becomes worthless the day you go out of the country. But even if the policy is only valid for a year or less, you could very well be covered in the event you get sick while abroad.
The difficulty in finding expat travel insurance policies for expats is two-fold. First, most companies don’t deal directly with expats. While some do, a lot of them specialize in helping digital nomads and others who travel extensively, rather than just once in a while. In addition, many expats themselves may not be aware of the benefits available to them, or even how to go about finding and buying such a plan. That is where a digital nomad forum comes in handy.
Digital nomad forums are communities of people who meet regularly online to discuss everything related to eCommerce, including medical insurance benefits, home business opportunities, international real estate, international finance, business networking, etc. In essence, a digital nomad forum is an online expat travel insurance forum, but it’s much better. These forums allow you to ask questions and get answers from people who know the ins and outs of expat travel insurance. You can also find out how to go about buying such a plan if you do not know where to start.
Since your trip is going to be an extended jaunt around another country, it’s important to have a good solid plan for getting your medical insurance claims paid in a timely manner. If you plan to fly to your destination and then take a short road trip, you won’t need to consider additional medical or evacuation insurance. However, if you plan to stay longer in that country – perhaps in the capital city of your destination – you might want to consider those plans. This way, if anything untoward does happen while you are travelling abroad, you’ll already have your money’s worth.
One thing that you’ll want to remember is that the cheapest policy is not always the best cover. If you only need to have coverage for a single trip abroad, you should stick to a single trip insurance plan. If you’re planning on taking more trips in the future, then look into getting an annual multi-trip insurance plan instead of a single one. For a lot of people, one of these plans will be able to cover them for any eventuality, as long as they shell out a little more money now, rather than overspending in the future.