YOU ASK:

What is short term travel health insurance?

WE ANSWER:

Short term travel health insurance provides cover for unexpected expenses for the things that happen to you while you are traveling - this may be because of something going wrong with your trip (canceled flights, inclement weather, accidents) or with your health (you get sick and need to cancel your trip, you are hospitalized during the trip).

This provides travel insurance protection for short term stays - that means vacations or business trips that don't exceed 90 to 180 days.

Short term travel health insurance also provides more comprehensive coverage for hospitalization and medical-related claims. This may include emergency medical evacuation, payment for daily hospitalization fees and consultations with the doctor, diagnostic tools (laboratory tests, ultrasounds and x-rays), as well as medications prescribed by the doctor for that specific period.

This plan may not be provided for you if you are traveling for the purpose of getting a diagnosis or treatment for a medical condition. Short term travel health insurance is primarily meant to protect those who are otherwise healthy but would like to have that precaution of being protected in case they get unexpectedly sick or are injured at any point during their holiday or business trip.

A good short term travel health insurance plan is one who can provide international cover and can allow instances where they will be the ones paying the hospital or the doctors directly. The insurance company should also have the ability to arrange for your treatment, a service that will come in handy if you are in a country whose language you can't speak.

Your insurance will prove to be useful in instances where you don't have ready cash. If you can't show proof that you are able to pay for the treatment (by providing a deposit or by presenting your credit card), you may have a hard time getting the medical treatment you need. With an insurance company that has direct payment deals with the health service providers, you are more assured of prompt service.

Remember, though, that pre-existing medical conditions are excluded. You can also opt to include your pre-existing medical condition for an additional premium. The insurance company will screen you and determine whether you present acceptable risks with your pre-existing condition.

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