Some people are completely skeptical about what type of travel health insurance plan to get as there are so many options available with varying degrees of coverage. It can become confusing and intimidating. There are companies out there with consultants who would be happy to assist you. However, we will explore a few basic plans to give you a better idea of what to expect.
Types of Plans
The three basic types of travel health insurance are a single-trip, multi-trip, and long-term option.
This plan covers one three month trip abroad. Most companies require an upfront payment for this coverage.
This kind of plan covers regular trips overseas and can generally be purchased in three, six, or twelve-month optional covers.
If you are a frequent traveler, you can go for the long-term coverage plan that allows you to pay a monthly fee. The plan is renewable every year.
Different Travelers, Different Destinations
Any trip out of your home country can be exciting, especially if you’re visiting exotic destinations. Anyone can travel overseas. This includes businessmen who conduct business all over the world, expatriates, aid workers, and US citizens, of course!
Aid workers work for humanitarian organizations which provide aid to countries struck by disasters. The volunteers are quite prone to viral infections such as malaria, influenza, and other outbreaks of diseases in war-torn and poverty-stricken countries. The most common countries aided with humanitarian efforts are Sudan, South Sudan, Pakistan, Somalia, and Afghanistan.
Traveling Businessmen and Women
There are countless companies who send representatives of their businesses to conduct business on their behalf. Countries most frequented by business travelers are the USA, China, Netherlands, Russia, France, Italy, UK, Germany, and many others.
Expats are individuals who do not live in their native country for various reasons. This could be due to individuals who immigrate to other countries, people who have been employed by companies abroad. Not all expats leave their home country permanently.
What kind of traveler are you? Let us help you find a travel health insurance plan today!